vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CHERRY CREEK MORTGAGE COMPANY INC.
State: CO

Complaint narrative:
On Saturday, XX/XX/XXXX I received a letter from the county of XXXX for a " Delinquent Property Tax Statement. '' I contacted the mortgage broker at Cherry Creek Mortgage Company that did my transaction when I closed on this home in XXXX of 2018. XXXX had my loan from the date of closing until XX/XX/XXXX when it went to XXXX XXXX XXXX. XXXX never paid the first half property taxes that were due on the last day of XXXX. XXXX has taken the stance that even though they didn't pay the property taxes, the current mortgage service provider, XXXX XXXX should pay it because there is plenty of funds in my escrow to do so. 

The reality is I am apparently delinquent on my property taxes due to Cherry Creek Mortgage Company not paying the property taxes and outside of my contact who is a mortgage broker they do not appear to be working to assist this situation getting taken care of efficiently and effectively.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Last week XX/XX/XXXX and XX/XX/2019 I received a text saying I needed to call bc I had an important matter that needed resolved. The next day I didnt answer and they called my ex husband who I have no communication with looking for me and it was for a debt that was 10yrs old to fifth third bank. They said I owed 4x the amount I owed and if I didnt pay a judge would order me to pay and I would end up paying 5grand thats 12x what I owed. They wanted payment now or id be going to court. Company is first alliance out of California supposely

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Ongoing since XX/XX/XXXX to present. Told affirm I did not apply for a loan. Insisted I did. I filed identity theft report I submitted their fraud brochure filled out four times. In XX/XX/XXXX they reported me to credit bureaus as past due accou. Huge impact on my credit score as Ive never made a late pmt. Sent them copies of hard inquiry which they removed the account info but say they did not do hard inquiry so they wont remove. Requested by certified mail that investigation be performed by bureau and please send me detail info of finding which I never received. Sent certified letters to all 3 bureaus. i would like restitution.abd by credit report be corrected with the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: AL

Complaint narrative:
Ongoing since XX/XX/XXXX to present. Told XXXX I did not apply for a loan. Insisted I did. I filed identity theft report I submitted their fraud brochure filled out four times. In XX/XX/XXXX they reported me to credit bureaus as past due accou. Huge impact on my credit score as Ive never made a late pmt. Sent them copies of hard inquiry which they removed the account info but say they did not do hard inquiry so they wont remove. Requested by certified mail that investigation be performed by bureau and please send me detail info of finding which I never received. Sent certified letters to all 3 bureaus. i would like restitution.abd by credit report be corrected with the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: VA

Complaint narrative:
Someone opened an account fraudulently and have used checks to deposit in different accounts. I XXXX XXXX did not give permission for anything to be opened under or in my name. Please closed any account and please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MT

Complaint narrative:
I received about a year ago a letter from Rausch Sturm attorneys at law concerning a debt I have with XXXX XXXX, for a credit card for XXXX XXXX XXXX. I called and spoke to an agent explaining my situation that I am unemployed due to a handicap and unable to work. That I am trying to get SSDI but have not been approved yet. I worked out the issue with the agent who was in Wisconsin I believed. In the next few days I started receiving calls from agent for Rausch Sturm who were obviously calling from offshore because of their heavy XXXX accents. Even though I explained my situation to them they continued to call me every day claiming they needed a resolution with the debt. I finally had to send a cease and desist order to Rausch Sturm in Wisconsin to stop it. This year on XX/XX/2019 ; I received a letter from Rausch Sturm again inquiring about the debt. I called them and explained that I am still unemployed. The agent noted it on the account and asked about the Cease and Desist order. I told her to remove it because I wanted to work with them to resolve the debt. The next day I received a call from an offshore agent claiming to represent Rausch Sturm concerning the debt. I told him that I already spoke to an agent about it yesterday and explained it to them. His response again was but we need to have a resolution to the debt. I then remembered the last time when they would call every day. I called the number back on the letter and spoke to a XXXX at Ex XXXX and explained what happened. We determined that the Cease and Desist order should be reinstated. XXXX said she did put it back on. I figured that the Issue was resolved until today when I received a call from an Offshore agent claiming to be with Rausch Sturm about the debt. Her accent was so heavy I could hardly understand her, but I told her that there was a Cease and Desist order  and she admitted that it was on there and she would make sure no more calls came. Unfortunately, my experience is these offshore agents do not respect no call orders. I would like these Offshore calls to cease and only work with on shore agents. I do want to resolve this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NJ

Complaint narrative:
It is nice to have the account re-opened, however, the company did not allow me to remove an abundance of charges accumulated onto the account. They are waiting for some companies to respond. I do not mean to bug people, however, I would like to have my account payments reduced.I am not able to pay XXXX a month. I need to be placed into the Payment Protection Plan again. Discover accidentally charged me over {$2000.00} for XXXX charges since having the account. I never signed up for XXXX  or any other additional services on my account. They tell me that they are only able to see statements from XX/XX/XXXX. They should monitor fradulent and faulty charges from XX/XX/XXXX- XX/XX/XXXX also. How are they able to say that I owe over {$5000.00}?, in charges, since XX/XX/XXXX. What if some of the other charges on the account are fraudulent. Then it is okay to say that I am not liable for a {$5000.00} credit card bill. My credit card balance should be cut into half due to the fradulent XXXX   charges that I did not sign up for. Additionally, my payments should be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
I have a student loan with XXXX that is currently past-due. When I called to bring my loan current, the reps at XXXX connected me with a collection agency ( named Heartland ), and told me I had to deal with them. I have attempted several times to make a payment with this collection agency, and they refuse to accept a payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: PREFERRED CREDIT INC
State: TX

Complaint narrative:
XXXX. 

{$2000.00} is the " past due '' notated on credit report. 

I have disputed this with the credit reporting agencies several times to no avail. If anything, the company take punitive behavior toward me in regards to what the report to the credit agencies. 

At once point, this company, sent someone to my front door in XXXX XXXX, TX to intimidate me into paying a debt that isn't mine. I found that to be completely unacceptable. No one has the right the come on my property and intimidate more or should I say attempted to intimidate me. I asked him politely to remove himself from my property. This has never happened to me before and was way over the top. 

The company in question is Preferred Credit, XXXX XXXX XXXX, XXXXXXXX XXXX, MN XXXX, phone number is XXXX. 

The continually harass me about a debt that isn't mine to begin with is completely unacceptable. I want this to end and to have all information removed from all three credit reporting agencies ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
Anaccountwasopenedinmyname.IdidnotopenaXXXXaccountandamconfusedonwhythisaccountisinmyname.ThisisafraudulentaccountthatIdidn'taskfornorhadknowledgeofitbeingopen.Iwantdocumentationonwhoopenedthisaccountandwhyisthisreportinginmynameasmyaccount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
XX/XX/XXXX trough XXXX XXXX, XXXX, manager for XXXX XXXX XXXX called me multiple times to resolve a payment issue between XXXX XXXX and XXXX. I was getting charged for XXXX service which was turned off in XX/XX/XXXX. I was of getting charged for XXXX instead of XXXX  XXXX, which was my new cable provider. While I was assured that this is going to be handled. I was notified that the payments that went to XXXX will be applied to my XXXX  XXXX outstanding balance. The remainder of the balance for XXXX XXXX was paid in full in XX/XX/XXXX. 
While this miss communication was being addressed and handled, we relocated from XXXX XXXX to XXXX NC. The new apartment in NC does not allow any XXXX equipment to be installed on the balconies ( no dishes allowed ). I called in customer service the order to XXXX XXXX and explained the restrictions to the equipment and I was offered and upgrade to my service called XXXX XXXX Now, I was told that will not require any XXXX  placement and will not cost me new activation fees and or old cancellation fees because of the apartment restrictions. 
XXXX XXXX Now payments have been pain on trough auto withdrawal on : XXXX, XXXX of {$69.00}, XXXX XXXX of {$69.00}, XXXX XXXX of & XXXX ... .. so on. 
Called XXXX XXXX on XX/XX/XXXX when I received the XXXX XXXX collection noticed asking them to resolve the matter. The representative from XXXX XXXX, XXXX refused to connect me to a manager and did not review all the notes that were made on the account in XX/XX/XXXX after I asked I requested him to in order to resolve the matter. His advice was " call your bank and dispute the charges because the account is outstanding ''. 
Called the collection agency " Credence '' to explain the situation and ask for resolution the customer service rep to also review the notes on my account. He only had notes on my account from XX/XX/XXXX. He informed me that this outstanding balance is for cancellation fees. 
XXXX XXXX  customer service is telling my account has never received a payment and Collection agency Credence is telling me that this debt is for cancellation fees. Both agencies are not providing adequate information as well as resolution when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I been having these problem initially started when I went to the store and made a transaction at a XXXX XXXX store XXXX XXXX in XXXX OR for XXXX, I didn't want to use my debit card, so I use my food stamps card. The store clerk said I was not charge to my account or card shortly after leaving the store I check my account the XXXX was debit from my account and there was a reverse fee for XXXX. The next day neither one of them was on my statement or was the money back in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Someone have got a car in my name and manipulated my information. I am XXXX and have been taken advantage of. Someone keeps opening accounts in my name. I have not opened an car with credit acceptance and am in a bad situation because people keep taking my information and stealing my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: PA

Complaint narrative:
I financed a car through XXXX XXXX, a buy-here-pay-here car dealership in XXXX PA in XX/XX/XXXX. My car note was for the most part always paid on time, however had been towed twice previously due to lapse in insurance. Dealership towed car XX/XX/XXXX due to late payment, expired inspection and accused me of selling drugs. Advised the company that I had attempted to get information on warranty and getting car serviced several times but their service center would never return calls and repairs were too expensive. Visited Dealership XX/XX/XXXX to try to bring account current and work with company on an agreement to get car inspection fixed, but company stated the " owner '' wanted remaining balance paid in full. Car loan was 35 % of the way paid off, and no late payments ever reported. I was not willing to pay XXXX on car, took what I could from my car and left. Nearly 2 months later, I have attempted to dispute credit reporting twice and the company has not reported on the car since and has not updated it on my credit further preventing me from getting another car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I received about a year ago a letter from XXXX XXXX attorneys at law concerning a debt I have with Synchrony Bank, for a credit card for XXXX  XXXX  XXXX. I called and spoke to an agent explaining my situation that I am unemployed due to a handicap and unable to work. That I am trying to get XXXX but have not been approved yet. I worked out the issue with the agent who was in Wisconsin I believed. In the next few days I started receiving calls from agent for XXXX XXXX who were obviously calling from offshore because of their heavy XXXX accents. Even though I explained my situation to them they continued to call me every day claiming they needed a resolution with the debt. I finally had to send a cease and desist order to XXXX XXXX in Wisconsin to stop it. This year on XX/XX/2019 ; I received a letter from XXXX XXXX again inquiring about the debt. I called them and explained that I am still unemployed. The agent noted it on the account and asked about the Cease and Desist order. I told her to remove it because I wanted to work with them to resolve the debt. The next day I received a call from an offshore agent claiming to represent XXXX XXXX concerning the debt. I told him that I already spoke to an agent about it yesterday and explained it to them. His response again was but we need to have a resolution to the debt. I then remembered the last time when they would call every day. I called the number back on the letter and spoke to a XXXX at Ex XXXX and explained what happened. We determined that the Cease and Desist order should be reinstated. XXXX said she did put it back on. I figured that the Issue was resolved until today when I received a call from an Offshore agent claiming to be with XXXX XXXX about the debt. Her accent was so heavy I could hardly understand her, but I told her that there was a Cease and Desist order and she admitted that it was on there and she would make sure no more calls came. Unfortunately, my experience is these offshore agents do not respect no call orders. I would like these Offshore calls to cease and only work with on shore agents. I do want to resolve this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: VA

Complaint narrative:
Someone have got a car in my name and manipulated my information. I am XXXX and have been taken advantage of. Someone keeps opening accounts in my name. I have not opened an car with XXXX XXXX   and am in a bad situation because people keep taking my information and stealing my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 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: WA

Complaint narrative:
I need help getting the dispute results for Equifax # XXXX. I have looked at them online through my phone. I don't have internet access at home and can't print them off at home. I went to the public library and attempted to access them there and got a message that Equifax needed more information to verify my identity. I called them in an attempt to rectify this matter and they said they had nothing to do with the website. Finally the Saturday of XXXX XXXX weekend, I called and spoke to a rep and requested they be mailed to me. I called the following Wednesday and the rep that I spoke with was able to verify the report was sent the previous day. I called and spoke to another rep and requested that the report be sent to me. I was told this could not be done because the results were available online. I told the rep my situation, but she didn't seem to care. I have waited the required 10 business days and the dispute results have not yet shown up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Consumer purchased XXXX Insurance for loan. I became ill, was hospitalized, and unable to work. Declared XXXX XXXX by SSA. Insurance responsible for paying off the loan in full. This debt has been listed on credit report longer than 7 years. If you can not correct the misinformation, please remove the 7+ year old account from my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: CA

Complaint narrative:
one inaccurate account is reporting under my XXXX   and equifax credit file, please find attached my police report and the FTC report for the flowing account, i have been disputing this inaccuracy for the longest times, please have this removed thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: CA

Complaint narrative:
one inaccurate account is reporting under my experian and XXXX credit file, please find attached my police report and the FTC report for the flowing account, i have been disputing this inaccuracy for the longest times, please have this removed thank you

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