vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: PR

Complaint narrative:
On XX/XX/2019, I wrote a letter to M & T Bank. On it a explained that my Name and address was wrong. As a result I wasnt receiving the monthly mortgage bill. Also, I tried calling all the telephones provided on the mortgage statement and online but non work. At another time I ask why my mortgage payment increased from XXXX to XXXX. They said that my mortgage had two hazard insurances. On XX/XX/2019, I wrote two letters to M & T Bank. On one I requested, again, to correct my Name and address. On the other one, I sent evidence that my apartment has an active hazard insurance and there was no need for a second hazard insurance. On XX/XX/2019, I received a call from M & T Bank saying that they didnt receive the XXXX payment for my mortgage. I told them that I sent it by certified mail on XX/XX/2019. They responded by saying that it was accredited to the escrow. To this date, it appears as if I have not paid my XXXX payment.

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 2019-08-27 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: NV

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result 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 non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CNG FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Ms. XXXX called me XX/XX/XXXX, trying to collect a debt from XX/XX/XXXX. She would not verify herself, her company, and she did not verify me. She did not read the " this is an attempt to collect a debt '' nor was i on a recorded line. If i was on a recorded line, she did not notify me. She told me I had ONE hour to pay. I told her I needed time and needed to research this before paying. She then somehow called my boss 's mobile phone, was rude to her, and this was extremely embarrassing to me at my place of work. When I called her back ( I called her on an XXXX number, she answered " hello '', she did not answer with a business name ) to tell her it is illegal to contact my boss, and it is also illegal the way she handled the entire call. She became irate, unprofessional, and told me to " quit stealing money and I should know better '' then she became threatening, and told me to " just wait '' There are SEVERAL Fair Debt Collection Act violations in this scenario, and I can not find any information on " XXXX XXXX '' there is also a XXXX number she has called from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: MI

Complaint narrative:
I have an outstanding Collection account from XXXX XXXX XXXX ( XXXX XXXX XXXX ) that has been payed in full since XX/XX/2018. I have repeatedly contacted XXXX XXXX to have the account shown as payed in full. They have agreed to do this numerous times and have yet to do so. 

I have both a letter from XXXX XXXX, dated XX/XX/2018, showing that the account is payed in full and acknowledging that the account has been settled, as well as the cancelled check, dated XX/XX/2018, showing payment in full as received. However, they continue to report this on my TransUnion report. 

Additionally, I have disputed the charge through TransUnion and they have refused to remove it as well. 

I have the necessary documents to prove payment and XXXX XXXX 's acknowledgment of the payment in full.

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 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Delmarva Collections, Inc.
State: VA

Complaint narrative:
Multiple reversals with XXXX  through Delmarva Collections

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NC

Complaint narrative:
I received a copy of my credit report and saw several inaccuracies. I disputed the inaccuracies and have yet to receive results from Experian. I disputed on XX/XX/19 where experian came back and said the account remains. I also disputed on XX/XX/19, XX/XX/19, and XX/XX/19. The bureau is reporting that an XXXX XXXX account that has been included in a bankruptcy. I have let them know I NEVER filed bankruptcy. I have even mailed the clerk of court to ask why they would provide that information the credit bureau if that is not true. They returned a letter stating they do not furnish any information to credit bureaus. That letter is attached with this complaint. Experian refuses to remove this inaccurate account from my credit report even though they have not provided and legal documents or any valid reason why the account remains. I have requested a thorough investigation several times so that they can see they are reporting the information they are reporting is WRONG. Under 15 U.S.C. Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of a letter. There is no way they did an investigation and the account still remains with no explanation. They are not adhering to the FCRA by reporting this inaccurate 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 2019-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
When I contacted Citi to discuss about the options after annual fee being posted, the customer representative closed my account before I agreed to close it. I asked a few questions regarding the rewards when she read the disclosure, the representative transferred the call to a different team. The next agent told me the account was closed already.

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 2019-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
This account, has been removed from my report! However, there saying that they are keeping it in there reports that I still owe this amount! Like I explain before, I would like to have prove that I told anyone to keep me enrolled in a class at XXXX college! If they were not going to remove it all together then they should have left it on my report, due to me just filing bankruptcy! I am trying to go back to school and this is a mess! I guess I have no choice but to contact an attorney to get this handle! Im not paying anything that I know I dont owe! So with that being said I would appreciate if someone from XXXX college, or m & m credit can send me proof that I requested to stay in a class, when I hadnt be attending the school in semesters! They are trying to rip me off! And I refuse to pay something that I know is not right! Also I will be calling the department of education to also report this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NY

Complaint narrative:
The company listed is in violation of the fair credit act, they continue to report to each of the credit bureaus false and inaccurate information. 

what they are listing is that I resided at an address that I have no association with, ( XXXX XXXX XXXX XXXX XXXX PA XXXX ) it is not listed on my credit report, therefore they are in Violation of reporting. 

I have mailed proof, federal documents to have the item removed and it is still reporting as negative and needs to be removed as I will be filing legal action. 


I again have attached my proof of residency as well as my federal documents proving my identity and address.

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 2019-08-27 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: NY

Complaint narrative:
The company listed is in violation of the fair credit act, they continue to report to each of the credit bureaus false and inaccurate information. 

what they are listing is that I resided at an address that I have no association with, ( XXXX XXXX XXXX XXXX XXXX PA XXXX ) it is not listed on my credit report, therefore they are in Violation of reporting. 

I have mailed proof, federal documents to have the item removed and it is still reporting as negative and needs to be removed as I will be filing legal action. 


I again have attached my proof of residency as well as my federal documents proving my identity and address.

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 2019-08-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
On XX/XX/2019 I scheduled a one time payment with Nissan Finance to pay my auto lease. I looked at my bank account on XX/XX/2019, and noticed Nissan Finance took out two payments one was with my authorization one wasn't. I contacted Nissan Finance and explained the situation to them and they stated I had to provide bank statements proving the funds were taken twice which I have no problem doing however, I did not give Nissan authorization to take two payments and was never notified of a 2nd payment that was scheduled. I tried to explain to the chat rep and the customer service rep that Nissan did not have permission and they kept stating that I have to wait 21 days and i'll get a refund in 5-7 business days after the fact. To me this is absurd it was Nissans mistake by taking an unauthorized payment. If Nissan is saying I scheduled two payments I would like proof of this they must have analytics they run in the background to prove I clicked the " authorize payment '' button.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: OK

Complaint narrative:
I am trying to purchase a car and when they ran my credit it is showing by XXXX  brothers outstanding car loan with XXXX and a repossession on the car. This does not belong 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 explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I was told my loan was been processed for disbursement on XX/XX/XXXX. Every day since day of processing, my account has been accumulating interest even when no disbursements have been made. I have contacted the credit card companies who have stated they have not recieved any funds from FreedomPlus and does not see anything incoming as of XX/XX/XXXX. I have contacted FreedomPlus to request documentation that the loan was disbursed in order for them to charge interest. I was told they could not provide any such verification. They have refused to remove the interest off of my loan even though they have not disbursed funds. I told them I starting to feel like this is a scam and to please cancel my loan if they will not disburse. I have received no communication regarding the cancellation of my loan ... no follow up to any of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NV

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 2019-08-27 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: NV

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Original debt with the Hospital ( XXXX XXXX XXXX XXXX, XXXX, Ga ) is being paid bi-weekly since services were rendered in 2016. Documentation such as bank statements ... have been provided to National Recovery Services and 1 additional company trying to collect and the original debtor. This information was provided almost 2 1/2 years ago to these three.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX has wrongly sent me to collections with Credit Collection Services for a debt they say I owe in the amount of {$76.00} for equipment XXXX alleges I never returned. I have attached numerous documents showing the date and tracking number verifying that I did, in fact, return the equipment pursuant to the guidelines outlined by XXXX. XXXX continues to ignore the evidence that I returned this equipment and they continue to state they never received the equipment. In the meantime, this collection is being reported on my credit report and is harming my credit score. I have sent numerous correspondence to both XXXX and Credit Collection Services, via certified mail, along copies of the tracking numbers, to prove that the equipment was returned. I do not owe this debt, I am not responsible for any of the charges, and I should never have been sent to collections. This incorrect reporting of a collection is doing damage to my credit score and this collection needs reversed. I have contacted the ( 3 ) bureaus, as well as XXXX and Credit Collection Services to solve this matter however, I have not been successful.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I received a letter from Navy Federal Credit Union dated XX/XX/XXXX, which indicated that my credit card balance exceeded my approved credit card limit. They requested that I remit a {$260.00} to bring my account balance within my approved credit limit. The problem I have with Navy Federal is that I have never gone over my approved credit limit. In this particular case I had at least {$400.00} ( or a little more available to use ), I made 3 purchases two on XX/XX/XXXX, and one on XX/XX/XXXX all below or NOT OVER the credit limit. On XX/XX/XXXX, Navy Federal charged 3 times interest for purchases, transfer balance and interest ( {$10.00}, {$250.00}, & {$4.00} ). My concern is not these amounts or the interest as I know this has to be done. But it put my credit limit over and this is NOT my fault - I stayed in the limit and not over but when Navy Federal added in the interest it went over and it looks like its my fault and this is reported to the credit reporting agencies and this is not fair. 
I called Navy Federal with my concerns and received no satisfaction other than the fact they said the " overlimit '' would be reported. 
This I feel is an abuse and an unfair practice. Requesting assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TriVerity, Inc.
State: OK

Complaint narrative:
XXXX XXXX with CU Recovery called my work and started harassing me. I told him to call my cell phone and he state '' if you ask me nicely ''. I have been called by him before and he threaten me, telling me that he was taking me to court and several other threats. I called and spoke to someone else that help me work out what I needed to do. I have gotten on line and paid, which I'm paying every two weeks, that I set up not the company. I will pay my bill, I had messed up my account. He tried to tell me I couldn't I had no one to complain about him to. I was out of work for a while and now working two jobs to get everything cleared away.

Company : CU Recovery , Inc. & The Loan Service Center , Inc . 
XXXX XXXX XXXX XXXX, MN XXXX Get Directions Phone : 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 2019-08-27 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 am trying to purchase a car and when they ran my credit it is showing by XXXX brothers outstanding car loan with XXXX and a repossession on the car. This does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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 am trying to purchase a car and when they ran my credit it is showing by XXXX  brothers outstanding car loan with XXXX and a repossession on the car. This does not belong 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 2019-08-27 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: Tate and Kirlin Assoc
State: NY

Complaint narrative:
XXXX XXXX XXXX im not recognize this account XXXX XXXX not recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
On XX/XX/2019, I received a call from Jefferson Capital Systems LLC, in an attempt to collect a debt of approximately {$1100.00} that was owed to XXXX XXXX. However, I do not have any consumer debt nor have I ever had an account with XXXX. Therefore, I immediately suspected that this attempt to collect money was fraud. 

My suspicion was confirmed when I decided to research Jefferson Capital and one of the first results that came up from my XXXX search was " Jefferson Capital XXXX Fraud ''. 

Please take the appropriate action against this company because while I am capable of determining what is fraudulent, other people are not. 

Thanks for your timely attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NJ

Complaint narrative:
on XX/XX/19 i received a letter stating that i owed {$980.00} to the XXXX XXXX XXXX. I ask for any proof and they didn't have any. The customer service rep just knew that i went to this office on XX/XX/XXXX which i dont have any knowledge of being in that office nor i do not know the address of this location. this is super frustrating when i have no knowledge of this request.

Company response to consumer: Closed with explanation