vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
The company sent me an email from a dummy email address claiming I would be sued and jailed if I do not pay thousands of dollars. I received the email with identifying information about myself which led me to call the debt collector to see what the company was emailing me for. Upon speaking with a rep ; that demanded I verify my info ; I spoke about the email and the thousands of dollars and jail time the email spoke about. The rep said the email was not from them but using my info ; she was able to search and find 2 old accounts for me. Weeks later, I have an alert on my credit with the information of a supposed debt I owe and it was updated as being 1 year old and I have not had any loans for for over 10 years. The company used the email to get me to contact them because of the outrageous claims in the email ; demanded I verify my info ; blamed scammers or another company when I filed my initial complaint with CFPB then added the old outdated debt to my credit and re-aged it to being 1 year old. This is a FCRA violation. I did not call about a 10 year old account ; the agent mysteriously found in the system. I did not discuss the account. I discussed the email I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I've received a response from Progressive MGMT Systems they stated " this account is for services rendered to your spouse XXXX XXXX for this reason you are listed as a financial responsibility party on the account ''. So due to that response I am requesting a DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc
State: NY

Complaint narrative:
Due to XXXX  and my XXXX  illness, my membership with XXXX XXXX was frozen until XX/XX/2021 and the finance company, XXXX XXXX XXXX, XXXX, seeking to collect payment is the entity that confirmed via email on XX/XX/2021 that the membership was frozen and no money due or to be collected until it becomes re-activated. Emails annexed. 

Nonetheless, i continue to receive robo-phone calls at least 2-3 times per week. I have tried to call them, to no avail. I have sent emails, with the email confirmation. No success. They are threatening legal action and to ruin my credit history, which is currently excellent. 

This is not the first time that they did this. They were trying to collect membership dues while the club was mandated closed by NYS. See, letter attached. In order to keep peace, I paid them nonetheless. I paid them for XXXX through XXXX, even though the club did not open for the entire month and no way to give them 30 days notice. 

In addition, they wanted XXXX XXXX, XXXX and XXXX, although I had already spoken to the club and given them a note from my doctor. 

I have additional emails, letters and documents that can be forwarded. I was not able to attach any additional documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Since my initial complaint ( Complaint ID XXXX ), the bank has since revoked provisional credit from another dispute and is now stating that I am responsible for a total of {$1100.00}. RE : Dispute Case ID XXXX, Dispute Case ID XXXX, Dispute Case ID XXXX, Dispute Case ID XXXX On XX/XX/2021, I attempted to make a payment of {$140.00} to Afterpay using my Citi credit card. I received a notice from both Afterpay and Citi that my payment was declined. As a result, I used another credit card to make the payment. On XX/XX/2021, I saw that duplicate debits ( four ) of {$280.00} ( double the amount of my payment ) were posted to my Citi account. However, my Citi credit card was not used to make the payment and my Afterpay account does not reflect any payment using my Citi card on XX/XX/2021. My Afterpay account has never exceeded {$560.00}. There seems to have been some type of glitch in Citi 's system and I am not responsible for {$1100.00}. I provided Citi copies of my Afterpay receipt, electronic payment log, and payment schedule proving that my Citi card was not used to make the payment on XX/XX/2021. The evidence was sent to XXXX on XX/XX/2021 and Citibank Customer Service XXXX  XXXX  XXXX, XXXX XXXX SD XXXX via certified mail on XX/XX/2021.

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 2021-04-05 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX  ( Original Creditor : 08 XXXX XXXX  ) - XXXX XXXX/XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX/XXXX  - XXXX XXXX  XXXX - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( XXXX Creditor : ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX  XXXX, I ( Original Creditor : XXXX  XXXX XXXX ) - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This company is reporting a debt on my account as a collection account, and I tried to get information in writing to make sure this is actually my debt because I never signed into any agreement with this company. In the letter it states charge off XXXX 2016. They also included different amounts {$1000.00}, {$860.00}, and they are reporting late fees on a charged off closed account. I have reached out asking for verification but only get The account is accurate. 
I have also reached out by phone to rectify and was told to call someone else. 
Company Midland funding LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05 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: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX  and Acura Financial to request that they report my on-time payments to them for cars they financed in XXXX and XXXX. Between the two companies, I paid 61 payments on-time - but not a single payment was reflected on any of the three credit bureaus. 

While I filed Chapter XXXX in XXXX, I never stopped making on-time payments on our cars. When I contacted both banks, they informed me that it is company policy not to give me credit for on-time payments before, during, or after filing Chapter XXXX. I was told the only way to initiate credit bureau reporting is to refinance the cars with another bank. 

I believe this to be unfair consumer policy and request it be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: AR

Complaint narrative:
I have 2 collections of my Experian credit report from XXXX XXXX XXXX. I have disputed this account with them and the collection company because the accounts arent mine and are fraud. Ive also sent Experian an official copy of a police report and my lease. Yet, they refuse to delete the account or even allow me to file another dispute with them. Their representative rudely told me that Ive disputed the accounts several times and the agency verified it as accurate so they wont allow another dispute. I told her that Ive sent police reports documenting the fraud and my lease showing my address since XXXX as the same address, and not the address as on the collection from XXXX. She again stated that the accounts would remain on my credit file. Ive asked the collection agency for debt validation in XXXX and XX/XX/XXXX and they have sent nothing. Ive also told them the accounts stem from fraud. They deleted the accounts from XXXX  and XXXX, but somehow forgot Experian. So I asked them to follow suit and delete from Experian. They told me to file a dispute with Experian and when they receive it, they will notify them of deletion. However, Experian refuse to allow me my basic right, to dispute inaccurate information on my file. They act as if they benefit from my credit report being wrong. Ive hired a credit attorney recently and Im at my last resort by contacting CFPB and Federal Trade Commission to assist me in getting my right to dispute inaccuracies as many times as necessary until corrected and deleted from my file. Please assist.

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 2021-04-05 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: TX

Complaint narrative:
Experian is reporting inaccurate payment history and activity. They are reporting current activity for a closed charge off account. And also accured interest on a closed charge off account. 
And also failed to provide me with the method of verification 3 times. 

XXXX XXXX XXXX account The payment history is wrong. Reporting every month up until this date is illegal since its closed and charged off way back in 2017. And the late payments are not reporting correct late payment sequence. 

XXXX XXXX Account was XXXX $ now its XXXX $ How is that when its closed how is interest added to an closed 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 2021-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I initially called AmeriHome Mortgage Company in XX/XX/XXXX to inquire about how to submit proof of homeowner 's insurance and make a payment. At that time I found out the company no longer had my Homestead Exemption on file. This began the process of back and forth conversations which has led to my complaint today. I was able to confirm with XXXX XXXX that my Homestead Exemption paperwork was sent to XXXX in XXXX. I was able to resend the verification letter from XXXX XXXX to XXXX and confirmed they received it on XX/XX/XXXX, when I spoke with a rep on XX/XX/XXXX. However, I saw on the Amerihome website that an escrow analysis was ran and starting in XX/XX/XXXX, my mortgage amount was set to increase to {$1500.00} ( it is currently {$1400.00} ), The rep from Amerihome said to call back the following week, and by that time they should have my account updated, with the Homestead Exemption being accounted for. Rep also said a new escrow analysis would be ran showing the correct mortgage amount, which should be less than {$1400.00} or it would be the same. I called back the next week and no changes had been made, and the Homestead Exemption had not been updated on the records to reflect my mortgage payment amount. I requested to speak with a supervisor after reaching a rep name XXXX and she transferred me back into their call que. I called back and spoke with another rep named XXXX and she said she'd take my info and have a supervisor call me back. No one ever called me back. I called today and explained the situation to rep XXXX and asked for the names of management in the company. She said she couldn't provide last names and initially didn't want to give me anyone 's name but said XXXX was her supervisor. I asked for the person over their department and she said XXXX. I again asked for a supervisor, and XXXX also dropped my call back into their call que. I again called back and reached XXXX, who said there was a " work order '' to have another escrow analysis for my loan, but it wasn't going to be processed until XX/XX/XXXX. She confirmed the Homestead Exemption paperwork had been previously received, and she acknowledged that Amerihome had mailed me a statement showing my mortgage amount would be increasing, even though they now had proof of my Homestead exemption. She also acknowledged when I stated I had paid {$3000.00} to put into my escrow account to repay my homeowner 's insurance amount and an additional {$360.00} but they couldn't tell me why my mortgage was showing on their website as {$1500.00} starting XX/XX/XXXX. I told her that I would be filling a complaint because Amerihome is refusing to process my Homestead Exemption. I have paid taxes each year since closing on my home in XXXX, even though I should have Homestead exemption. My mortgage amount has increased each year as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: CNG HOLDINGS INC
State: KY

Complaint narrative:
A couple years ago I bought a tv from XXXX. The tv was $ XXXX {$400.00} dollars. I paid the tv off, however the company didnt report that I paid the tv off and decided to charge me an insanely amount of interest and late fees. Now the balance is well over {$700.00} when I paid the tv off and the tv was it even worth that much!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The open date on each account has different months on it, which is no possible way the accounts were opened on 3 different days. Collection/chargeoff account showing balance and that's violation under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA Credit Card Account Identity theft Check fraud Auto Claim Theft- All USAA Military Spouse Benefits Theft Notification attempting to resolve

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX US DEPT ED XXXX {$2200.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX DPT EDXXXX - XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: AZ

Complaint narrative:
Equifax has my Date of birth incorrect. Besides not fixing the issue after all requested data was submitted, they also never provided who- what entity provided this misinformation? It had to come from somewhere after 60 years and I have requested who exactly is reporting this date of birth and no answer has been provided. Data came from somewhere and only equifax has it incorrect. I followed the procedures : NOTICE TO CONSUMERS : You may request a description of the procedure used to determine the accuracy.. 
I AM REQUESTING THIS from the above statement within the Equifax letter. Send that, instead of a stupid 5th request for my drivers license. Send me how you determined my wrong Date of birth. 
Besides correcting the wrong information, I am entitled to know the above on the procedure. How was my DoB determined and by whom? Name the source.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
I pulled My credit report and saw and account VOSS & KLEIN, I sent them a letter disputing the account requesting documentation showing that this Item belong to me. They sent me a letter show a paid invoice with a credit card that I never owned, an email I never used and a signature that do not matched.

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 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I opened a checking account online with Huntingdon Bank. The account was open for a few months no problems, than one day they locked my account and I called customer service, they said I need to verify my identity at a branch ... the nearest branch was 50 miles away, and my liscence is suspended, thus I asked for them to close the account, they refused ... I made several attempts they still refused ... I filed a complaint with XXXX XXXX XXXX, Huntingdon bank called me and said they would closed the account and send the remaining balance in a check to the address they have on file ... that was a month ago ... when I hadn't received the check, I called customer service and they said the account is still open ... they are taking dormancy fees for my account and basically running the account to XXXX ... eventually I will be overdrawn by the fees and my situation sent to XXXX XXXX or XXXX XXXX XXXX ... all I want is the account to be closed ... they can keep the measley XXXX in the account ... I have a better bank ... please help ... thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I submitted a 609 letter to Equifax asking them to respond to my letter and provide information on the accounts that are on my report inaccurate and incorrect. My credit report by the law is supposed to be 100 % accurate and verifiable and it is not.

They have failed to answer me within the 30-day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: CO

Complaint narrative:
Experian while I was logged into my account advised me to apply for a credit card they promoted as one that would help my credit score. This time they lied straight up. The company rejected me then XXXX XXXX  through an arrangement with Experian lowered my score over 30 pts. and refused and still refuse to acknowledge what happened. Keep in mind that not only have I managed to pay off a car loan early keep credit cards always paid in full and on time as per all the credit bureaus advice yet they still lower my score FOR PAYING LOANS ON TIME AND PAYING CREDIT CARDS ON TIME AND PAYING RENT ON TIME. This has been going on for a year AND THEY DO NOT REPLY. Sending me a message that is not only a lie but utterly irrelevant to the complaint. 
And I'm not sure what you do besides nothing. These guys are allowed to get away with anything and you do nothing you allow them never to answer a single complaint. I'm so sick of being punished because all or our so called consumer protection is one big lie followed by more lies.

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