vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NC

Complaint narrative:
I made a purchase on a card with US BANK where I have 3 other balances on this specific card that are at 0 % interest. I have made well over, hundreds of dollars, over the minimum payment and yet the balance for the small purchase with interest still remains. My recent statement XX/XX/21 states that there is still a balance of XXXX on the interest accruing amount. The min on the last statement was XXXX, I paid and additional XXXX. There was a remainder of XXXX in the accruing interest balance, when the prior was only XXXX. I am not sure how that translates to still having an additional XXXX. I called and complained they did reverse 2 months of interest fees but the fact still remains that they are not adhering to current law when it comes to applying payments to higher interest balances first. That was an additional XXXX over the minimum which means that the whole XXXX sitting in the interest accruing balance should have been paid 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 explanation
Consumer complaint received 2021-04-04 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX On my experian credit report they keep reporting it every single month as a " charge off '' this account was charged off XX/XX/2019 it should not still be reporting monthly on my credit report at all. 

This also is not my account and i sent in a screenshot of the CHAPTER XXXX discharge for this item and yet experian still has not taken this item off of my credit. It also shows i have a past due balance and again I feel like it should be pretty obvious that my credit report is very good so why would i let 1 ACCOUNT ruin my whole report? i mean really. THIS IS NOT MY ACCOUNT - CHAPTER XXXX IS SUPPOSED TO GET RID OF THESE ACCOUNTS THERE IS NO REASON they should be reporting CHARGE OFF every month the account is CLOSED and it was not mine to begin with it was my husbands so why are you trying to make a single mom suffer for something not hers?

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 2021-04-04 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: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
Specialized Loan Servicing, we were told on XXXX that we could payoff our Mortgage via phone in the amount of {$830.00} by XXXX. He informed us that since it was under {$1000.00} we could do the transaction over phone. Confirmation # XXXX. 
On XXXX we received a call from XXXX to inform us that they made a mistake and paid our XXXX taxes. For the next 7 months we contacted company over and over to rectify the error and they kept asking for more money than we owed. Interest & late fees. 
On XXXX we sent a letter to Dispute Department and copied CFO, CEO, COO, CRO, CIO, PRESIDENT AND CLO. Response received saying they did not make mistake.

They have posted 6 late payments on our credit reports.

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 2021-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
Each week, I receive notices from various mortgage companies making me offers to refinance my mortgage. They make it appear as though it is coming from my mortgage company - for example the letter is addressed to me, and the return address is my mortgage company, but it is not my mortgage company. 

For example : Caliber Home Loans , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Nationwide Multistate Licensing System and Registry # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My name is XXXX XXXX and my issue is with Ally Auto finance. My father XXXX XXXX passed away in XX/XX/2021. His vehicle was finally repossessed on XX/XX/2021. 
My half sister had a STRONG interest in keeping the truck and trying to catch up previous missing payments. I have been trying to talk her out but she insists. 
I have been labeled on his account through Ally Finance themselves as the " informant " on the account. Also my name is the one listed on my father 's death certificate. I also repeatedly told Ally on their recorded line " please do not discuss any account information with anyone other than myself in order to perfect the privacy of the deceased " they obliged. 

My sister is pretty persistent so she kept calling trying to get payoff balance. And on XX/XX/2021 she calls me on 3 way with Ally Auto finance. They proceeded to give her the sensitive account information and I couldn't stop it. They did not speak or get any verification info from me. And she was able to have the representative give her the account info with only the account number. They told her status of account as well as the charge off date. The only reason i didn't cut them off was ti avoid personal conflict with my sister and other family members. 

The reason I am filing this complaint is Ally Financial did not respect my wishes of non disclosure to persons other than myself. They also violated the law by talking this account info without going through proper verification. 
There was a reason I wanted this to stay discrete and now it's causing distress among my and family members. Serious potentially dangerous distress. I am looking for all possible options at this point. 
Acct name is under XXXX XXXX XXXX XXXX and time of call was XX/XX/2021 around XXXXXXXX XXXX cst. Call took place on their recorded line. 
My name is XXXX XXXX the son and only informant authorized to discuss account info.

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 2021-04-04 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 — Problem with personal statement of dispute
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
XX/XX/2022 A derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.

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

Complaint narrative:
All 3 credit reporting agencies are reporting an account from XXXX XXXX XXXX that Ive disputed and asked to validate the debt on. 
I have asked them to provide the original contract with my signature on it - the creditor could only provide me a fraudulent contract that had Copy stamped on it with the words e-signature on the contract. This fraudulent piece of information had on it information that I never provided the company nor would I have signed including # of car payments and # of mortgage payments I had left to pay - this company pulled my credit report and tried to create a contract to submit for validation because I requested it. The credit reporting agencies are supposed to protect me and do the due diligence needed to detect fraud and in this case have not done so. I have numerous complaints written to them including XX/XX/XXXX and XX/XX/XXXX. I would also like XXXX XXXX XXXX investigated as they DEFINITELY are breaking the law and even tried to sue me based off of this same fraudulent contract - and the judge threw it out. I understand that I can only complain about 3 companies at a time on this complaint. 

I sincerely ask for your assistance in figuring out what the credit agencies have done about this as well as how XXXX XXXX XXXX keeps its records and reports its debts. 

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
Consumer complaint received 2021-04-04 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: GA

Complaint narrative:
XXXX XXXX is reporting an account to all 3 credit beauraus that is not my account. I have never had a XXXX wireless account or applied for one. I sent them my ID and all the info they asked for to dispute the information but they are still reporting it as valid. Someone else opened this account in my name. 

I have disputed the amount 3 times, asking for the original contract and copies of my signature and this was never provided to me but the account debt was verified as well as called XXXX and sent them all the information they requested. I live in a completely different state than the address they report as opening the account. 
This has been going on for almost a year now. Started XX/XX/2020 I believe if not earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX I sent a check in the amount of {$2000.00} to settle a charged off debt owed to American Express. On the back it stated " By cashing this check you agree to remove this debt from all credit reporting agencies in XXXX XXXX. This also resolves my entire debt with American Express and XXXX XXXX XXXX XXXX. with this final payment. This is called XXXX and satisfaction agreement. '' The letter explained the complete transaction including file numbers and account numbers. I provided ID, proof of residency and proof of said transaction. 
At this point the account has not been removed or even labeled as disputed. 
I then sent letters of complaint on XX/XX/XXXX to XXXX XXXX XXXX XXXX  stating the same and requested the removal of the account with no response from any of the agencies. I sent these letters return receipt requested so I can confirm they received them. I can provide copies of the receipts if you need them. Thanks in advance for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/2021, I received an email from Citigroup that I owe them {$60.00} in relations to the Citi/ AAdvantage credit card ending in XXXX, which I have never used. I called the bank and talking to an associate he said that this amount concerns the AAdvantage credit card. He told me he closed the account and I do not owe anything. I never received a confirmation email, and I trusted him. 
On XX/XX/XXXX, I receive another email from the bank suggesting that I owe them {$99.00}. At this stage, I made a payment and closed the account using the automated voicemail. Calling back to confirm, the automated voice mail indeed suggested that the account has been de-activated. 
On XX/XX/XXXX, I receive another email from the bank that I owe them {$60.00}. 

This is simply ridiculous! In all other banks, when I want to close a line of credit, this is completed relatively easily. This behavior is fraudulent, absolutely a scam. I do not trust working with the bank to get this resolved and I hope you can help me close the account. I refuse to pay any amount after my last payment on XX/XX/XXXX when I deactivated 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 monetary relief
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NY

Complaint narrative:
In approximately XXXX I accrued a debt issued from XXXX. I had received information at around XXXX through a third party XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX ). I had settled with them XXXX XXXX account XXXX XXXX XXXX XXXX on XXXX, where it was established that this account was removed from my credit reports with the three majors. The original debt was not removed. It was then sent to ERC XXXX XXXX XXXX XXXX, FL XXXX and once again paid in full on XXXX with confirmation on XXXX. It still remained on my credit reports, this time through ERC. Then of XXXX XXXX I had seen a reduction in my credit score once again associated with ERC and XXXX. I once again settled and resolved. No removal was issued, no refund because the account was already settled with XXXX XXXX Services, and still this account is reflecting negatively on my report. Account reference numbers for ERC are XXXX. The account was paid the third time with ERC on XXXX XXXX. Once again, this still stands on all three major credit reports of mine through XXXX and ERC, after already being resolved yet never removed through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I had a cryptocurrency account on binance.us for a little over 2 months, from XX/XX/20 ( XX/XX/2020 ). Then some time in XXXX, I was suddenly locked out of my binance.us account and never allowed to get back into my account. I exchanged countless emails with someone named XXXX, XXXX, XXXX, and XXXX, sending them many emails with personal information ( verifications ) attached. I provided pictures of my drivers license, passport, proof of address, my face, and a piece of paper requesting them to unlock my account, but customer support ALWAYS disappears after their first response which provides a ticket number and says they will get back to me shortly. It seems, according to XXXX, that they are stealing crypto and locking MANY accounts ( not just mine ). Someone needs to do something about these thieves so people can recover their cryptocurrencyXXXX Thanks XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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 — Problem with personal statement of dispute
Company: MRS BPO, LLC
State: MD

Complaint narrative:
XX/XX/2021 A derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter warfield inc has a collection on my credit report on behalf of The XXXX at XXXX XXXX for the amount of {$3100.00}. All of my balance owed had been paid years ago and I do not owe any money, to the XXXX at XXXX XXXX. I have attatched an email from the XXXX XXXX XXXX XXXX stating my account with them was settled and that they did contact Hunter Warfield to clear the account. Additionally in the documentation from Hunter Warfield it specifically says " ok by corporate to waive termination fee and removed from collections record ''. The final statement date provided by Hunter Warfield is from XX/XX/2017, XX/XX/2017 is when the XXXX reached to rectify this issue so it is clear Hunter Warfield has not updated the account on their end and has made NO effort to make an update. No money is owed and I request that Hunter Warfield due their job and obtain an updated record from the preserve and have this be removed from my credit report with tXXXX XXXX XXXX XXXX immediately. 

-- -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX XXXX Sent : Mon, XX/XX/2017 XXXX XXXX Subject : Collection acct.  correction Good morning XXXX XXXX, As per our conversation this morning this mail is to confirm that we have addressed Hunter Warfield about your account clearance, and today again I emailed the client service at Hunter Warfield to get a confirmation letter releasing the account from collection as per approval from our Regional XXXX. We have corrected your account and waived the termination fee. Respectfully, XXXX XXXX Assistant XXXX The 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 explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
The issue is University Accounting Services XXXX UAS XXXX https XXXX XXXX  and their refusal to provide XXXX tax forms and/or help with resetting a login to access online. This results in my inability to complete our taxes since I can not access the UAS student loan XXXX tax form for the loan we paid this loan off in XXXX of XXXX. I repeatedly through XXXX tried to get into the systems and could no longer login with any combination of my son 's or my information ( they changed their systems XXXX. In XXXX repeated calls were made and waited on hold for 90+ minutes with no answer only to be hung up on at their XXXX XXXX close of business. After each UAS call hang up in XXXX repeated emails were sent and left unanswered. I need our XXXX tax forms!!! In all the emails I included our physical address change effective XX/XX/XXXX needed to be changed for our loan for tax forms.Other tax forms from ALL other service providers all arrived from XXXX but not UAS. The servicing of this loan has been a DISASTER, customer service up through XXXX was horrible and consistently laced with misinformation and now in XXXX refusing to help provide required tax forms or help correct access to their systems so customers can get them online. I need HELP to get my taxes done!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Real Time Group, Inc.
State: NC

Complaint narrative:
I paid XXXX then XXXX XXXX  then gXXXX XXXX and XXXX for my second mortgage for 13 years borrowed money and paid an extra 10,000 and sent in a money gram settlement for XXXX XXXX to close and they agreed to release lien. They fraudulently did not report my payments and stole my money. They were sued and went bankrupt for not reporting payments around the same time I paid my account off. They then illegally sold my account to a debt collection company real time resolutions saying I owed almost the entire amount! They will not furnish me with any contracts and they refuse to remove the negative info from my credit report even though XXXX was found guilty and removed from my report. They are still charging fees but it says charged off years ago. They are still showing missed payments every month-they also show the terms are 17 year when it is 15 years-its also a debt collection agency and they are showing as a mortgage. They have no right to report or harass me for XXXX illegal activity. I can not sue XXXX because they are bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04 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 — Problem with personal statement of dispute
Company: ERC
State: MD

Complaint narrative:
XX/XX/2021 A derogatory mark on my credit report per XXXX Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.

Company response to consumer: Closed with explanation