vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This XXXX loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!!

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 2017-09-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This XXXX loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: NY

Complaint narrative:
This XXXX loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!!

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 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Card : American Express XXXX Preferred Guest Card Opened account in early XXXX XXXX, when XXXX had a promotional account opening reward bonus of XXXX SPG point, with certain spending requirement. 
Here 's my statement amount for the first several months : XXXX : {$390.00} XXXX : {$7900.00} XXXX : {$1700.00} Those amount should easily cover the spending requirement. But I have never got my rewards. So I contacted XXXX 3 times, once in XXXX, twice in XXXX. I 've been getting the same answer every time. 
The " official '' answer is : this is a known issue and we 've been investigating it. You will get your reward soon. That 's XXXX. 

I 've no where to file a complain so hopefully you guys could help out here. 
Thank you so much,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, the Mortgage account holder ( Loan # : XXXX ), with XXXX XXXX Mortgage. XXXX XXXX was formally named NationStar Mortgage until a recent name change, therefore all events initiated under the company name NationStar Mortgage which is now officially named XXXX XXXX Mortgage. I am writing in regards to an Investigation for POSTED UNAPPLIED MORTGAGE PAYMENTS, POSTED INTEREST PAYMENT REVERSAL AND PRICIPAL PAYMENT REVERSAL. Upon reviewing our mortgage payment history with XXXX XXXX Mortgage, I noticed several Posted Unapplied Mortgage Payments dating all the way back to XXXX. 
By Law, there should have been a Suspense Account set up for my Mortgage Account held with XXXX XXXX Mortgage and the Unapplied Mortgage Payments should have been deposited into the XXXX XXXX Suspense Account. 
I am asking a Resolution of the following : Unapplied Mortgage Payments, Interest Payment Reversals, FEES, AND Principle Payment Reversals to be either applied to our Applied as Future Mortgage Payments in the AMOUNT OF {$11000.00} or CASH IN THE FORM OF A CERTIFIED DISBURSEMENT CHECK FOR {$11000.00} :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
A loan open in XXXX XXXX was repossessed car was sold to me at an outrageous financial rate and a car that was crashed and presented as new. I was scammed with this vehicle and they would n't resolve anything when I came to find out shortly after I was denied help. I have contacted Santander in regards to what they state I owe which should be nothing as the car was n't worth nearly half what it was sold to me for. I ask they remove this negative account and leaves alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Solutions, LLC
State: NC

Complaint narrative:
I contacted the company asset recovery solutions llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX. I owed university of XXXX tuition, i had lost my financial aid. I made a settlement and payment agreement with them. I paid {$300.00} down on XXXX XXXX, XXXX. Then {$95.00} bi-weekly when i got paid would be debited out of my account until XXXX. this was done, so i believed the debt was paid i recieved no calls, emails, or letters saying otherwise. This was also removed from my credit report. I recently tried to re-enroll in university of XXXX and was told i still owed them and it went to another agency. i contacted XXXX XXXX, they said a payment didnt come out so they sold my debt. i was never notified and tey kept debiting my account for the remainder of the payments. they state that a payment in XXXX did not post. I know that they have to contact me when selling my debt, they did not. they kept debiting my account and never let me know a payment was missed until i contacted them when i couldnt re-enroll in college. they sent me documents about my settlement and my payment reciepts i am attaching them. thank you. 
sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax - the data breach this year is unacceptable - and with the company refusing to acknowledge the breach until recently shows a blatant disrespect for the people they serve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
In XX/XX/XXXX, I noticed that my mortgage payment increased by approximately {$500.00} per month since XX/XX/XXXX. In the account statement, I found that the difference was due to a substantial increase in my escrow account ( from {$87.00} to {$500.00} per month ). The mortgage company, XXXX, paid out {$1400.00} from my escrow account, causing a negative balance in my escrow account and the increase of my monthly escrow payment. My real estate property tax was analyzed by the escrow department of this company ( XXXX ) in XX/XX/XXXX, however, it is incorrect because my real estate taxes have never been that high ( I have been in my current residence for 8 years ). This was confirmed by my city tax collector.
Although XXXX paid out {$1400.00} from my escrow account, my real estate property taxes were in fact never paid. I received a warrant noticed from my city that I did not make tax payments. When I called, the city tax collector informed me that the mortgage company has not paid my taxes for the last 3 quarters and that I will have a lien on my mortgage if I do n't pay soon. The total amount of taxes I owe to my city is currently {$500.00}. The amount of overage that XXXX has charged me is {$830.00} for XX/XX/XXXX and XX/XX/XXXX. 

I reached out to XXXX on XX/XX/XXXX for this matter and received an automated response. I never received any call backs. Since then, I called numerous times and spent hours on the phone trying to resolve the issue, but nothing occurred. On XX/XX/XXXX, I mailed a letter per CFPB suggestion. I have attached the letter in this complaint. On XX/XX/XXXX, I called again and spent 2 hours on the phone. A representative ( XXXX, agent # XXXX ) told me that a supervisor will call me back. When the supervisor called, I could n't answer the phone and this supervisor left a message stating that her name is " XXXX XXXX '' and left me the XXXX  number without an extension. When I called in the morning of XX/XX/XXXX, a representative told me that I can not reach XXXX XXXX because it was never indicated in the notes that XXXX XXXX indeed called, and that I need to continue to wait for a supervisor call back. 

I no longer have any confidence that XXXX  has any intend on resolving this enormous error nor can I tell whether this error was made intentionally or not. On XX/XX/XXXX, I sent customer support an email request to immediately close my escrow account and not to disburse any further payments from my loan 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 2017-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinberg Mediation Group LLC
State: GA

Complaint narrative:
Representatives from Weinberg Mediation have continuously called my work number leaving this message on my voicemail. I have told them before not to call me at my place of employment. They continue to call. 

I received this message today ( XX/XX/2017 @ XXXX ). 
This is a final courtesy call from the Weinberg mediation group. Before reporting that you 've been uncooperative in the investigation against you. If we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the proper jurisdiction. Our office number is XXXX. Again that 's XXXX. Thank you. Good day ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I received an alert from XXXX indicating a new collection account was added to my credit report. After logging in, I learned XXXX XXXX had placed a collections account, in the amount of {$690.00} from XXXX, on my report. This same account was previously with XXXX XXXX and on XXXX XXXX, XXXX it was disputed. Between XXXX XXXX, XXXX, the account was found not to be valid and removed from my credit reports. Now within a week, XXXX XXXX has placed this account back on my credit report. In addition, I have not received any type of correspondence from XXXX XXXX in regards to this " alleged '' debt -- no letter, phone call, etc. According to the Fair Debt Collections Practices Act, I should have been made aware about this debt and their pre-meditated actions, and since I was not, this is a violation of the FDCPA. 

My research on this collection agency yielded a slew of reviews of their unethical collection practices. I would like this remedied immediately, and I would like for XXXX XXXX to remove this account from my credit report and have an updated copy sent to me. This is a violation and I was this fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and it 's entities pulled 35 separate inquiries from XXXX thru XXXX and 21 inquiries specifically in XXXX. The names used created 8 separate line items cic/Experian identity check, XXXX XXXX XXXX XXXX XXXX cic/ experian creditworks, cic/ experian identity ch, and Experian 3 times different line items and addresses. The different addresses include, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX tx  XXXX, no address, XXXX XXXX XXXX XXXX tx, XXXX, XXXX XXXX XXXX, XXXX, ca XXXX XXXX XXXX XXXX XXXX ca XXXX. Different phone numbers inckude 4 line items with no phone number and 2 line items with phone numbers not in service

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 2017-09-19 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: NC

Complaint narrative:
My file has been handled by a the Equifax consumer affairs department since XXXX. When it was first placed there I inquired as to why and how long it would remain there. I was told that it was for my protection and it would remain there indefinitely. That could be from a week to years, they could n't be sure. So I waited thinking this would be an added since of protection. Well it has been 6 + years and it has been worse than being a victim of fraud. They have taken my legal right to monitor my credit report with Equifax from me. This department is very nasty and unprofessional. They do n't have set hours. In fact, when I called in today at XXXX am, I was told that they were closed. When I inquired as to the hours of operation I was told that they did n't have set hours of operation by a representative by the name of XXXX. What kind of company does business like this? I now have to wait for them to call me back one day this week to address my credit file listed with Equifax. How is this legal? I have resolved all issues with both XXXX and XXXX XXXX without these types of problems. I should be able to access my credit report. It 's my right to. Furthermore, I have received notice from several creditors stating that they have investigated the fraudulent accounts and the resolution was in my favor, so they requested that all XXXX bureaus remove the accounts from my report. Yet Equifax, for years, has claimed to have verified these accounts. How is this possible? Also, in response to my complaint against them earlier this year, they stated that they needed verification on my identity to provide me with access to my credit file. The funny thing is that I have provided that information several times over! Yes they have sent me a copy of the inaccurate report but have been of no assistance in me addressing those inaccuracies and correcting my report and its reflected history. I am requesting that my file be released from this department as they have proven to be nothing more that an inconvenience and problem for me. It is my right to request this! I am including in this complaint a copy of my driver 's license, my social security card, a current utility bill as proof of address, a notarized copy of my FTC Identity Theft Affidavit, a copy of my police report as well as a few letters from some creditors stating that they asked for accounts to be removed. Please help me close this ugly chapter of my life and move on! I need resolution and to end the mishandling on my file with Equifax. It 's been far too long!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I currently bank with USAA and have a credit card with them. Without notification or request for authorization, in the min amount due section of the website, stopped letting me know what my min amount is due to avoid interest charges. I usually make extra payments anyway but stopped once I saw {$0.00} in the min amount due, gave me the impression to only make regular payments. I started seeing interest charges of $ 40-60 even though my balance was XXXX. I brought it up to the company XX/XX/XXXX of 2017 and was told my account will be fixed. Today I see interest charges again of {$48.00}, after addressing it with the rep, was told that the feature ca n't be removed and that I could find the min amount due in my statement that 's mailed each month. So basically the min amount due is n't listed in the min amount due section of my account, this is a trick to get users thinking they do n't have a min amount due so they can charge them interest. I have documentation of today 's discussion with the rep if needed.

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 2017-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
I have requested debt validation from this company on several occasions and never received it. I have never heard of AD Astro Recovery nor did I sign an type of contract with this company. I have tried to contacted them several times to resolve this issue with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: KY

Complaint narrative:
I had to XXXX from duty station to another. I submitted my signed orders ( which by law should have taken me out of my lease ) to XXXX XXXX. The property manager continued to charge me rent and charged me other fees as well. They did not repay me my security deposit either. Instead, they sold a fraudulent debt to a shady collection agency, namely Carter-Young.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I had to finance a broken A/C in the summer of XXXX using a Wells Fargo XXXX XXXX card. At the time I setup the card, I elected for paperless billing which in this case, involved the bank posting a PDF of the bill on their website. I also setup online bill pay to pay the minimum amount with a plan to pay off the card before the interest free promotional period. I made an error in my calculations and did not attempt to pay the balance until XX/XX/XXXX, as it turns out, a little over a month from when the period expired on XX/XX/XXXX. I was charged the interest for the promotional period. I contacted the bank on XX/XX/XXXX to see if they could remove the interest as their paperless billing option obfuscated the warnings for the promotional period running out ( they print it on the back page of the bill they post online ). While I acknowledge my responsibility to understand my terms, I think Wells Fargo hides the appropriate 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 2017-09-19 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: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: AZ

Complaint narrative:
IN XXXX of XXXX I sent a letter to ERC ( Enhanced Recovery Company DBA ERC/ Enhanced Resource Centers ) requesting a validation of debt reported on my credit report. ERC responded by sending me a unofficial history of payments from an account dated XXXX. There was no payment history sent from the original debtor, XXXX, nor was there any signed original contract to render services as I had initially requested. Further the dates showing services used by XXXX were dates in XXXX when I DID NOT have XXXX as a service provider. 

Furthermore, the corresponding letter indicates a " link '' to a Customer Service agreement which DOES NOT show my original signature. 

The information I requested from this creditor was NOT sent and now I am demanding this account be removed from all three credit bureau reports. Clearly they are not able to provide the information to verify this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

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