vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 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: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
On XX/XX/XXXX I mailed certified documents to update my credit report with XXXX and I recived Notification on XX/XX/XXXX those documents were recieved & signed for by XXXX XXXX at XXXX in XXXX , Texas . The documents reflect there are 2 accounts ive settled XX/XX/XXXX. I have recorded & saved each call to XXXX, Barclays, & XXXX XXXX. Ive also attacthed the multiple calls made as well as the date the documents were signed for. On XX/XX/XXXX XXXX i called and spoke with a representative to check status of the documents being recieved I was advised not yet & to check back. On XX/XX/XXXX XXXX I called again and spoke with a representative and was advised no documents were recieved yet & to check back I then requested a supervisor or another representative and I eas transferred to a survey & hung up on. I called back on The same day at XXXX and was advised to allow time for documents to be recieved. I called on XX/XX/XXXX XXXX I was again advised no documents have been recieved. I called again on XX/XX/XXXX XXXX and I was advised once again there are no documents recieved yet. I called on XX/XX/XXXX & I was advised no documents have been recieved so I requested another representative I was again transferred to a survey & hung up on so I called back on XX/XX/XXXX XXXX to get the same information. I called once again today XX/XX/XXXX XXXX i was told there are no documents I requested a supervisor the representative hung up on me. And here we are at this point almost 30 days later no documents recieved and XXXX representatives hanging up on my while XXXX continues to report innaccurate information. In 12 more days XXXX will be in Violation of the FCRA guidlines of putting my account in dispute status & getting my credit profile updated correctly which I will then be forced to file suit rightfully so.

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 2020-01-21 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: ONEMAIN FINANCE CORPORATION
State: OK

Complaint narrative:
On XX/XX/XXXX I mailed certified documents to update my credit report with XXXX and I recived Notification on XX/XX/XXXX those documents were recieved & signed for by XXXX XXXX at XXXX in XXXX , Texas . The documents reflect there are 2 accounts ive settled XX/XX/XXXX. I have recorded & saved each call to XXXX, XXXX, & One Main. Ive also attacthed the multiple calls made as well as the date the documents were signed for. On XX/XX/XXXX XXXX i called and spoke with a representative to check status of the documents being recieved I was advised not yet & to check back. On XX/XX/XXXX XXXX I called again and spoke with a representative and was advised no documents were recieved yet & to check back I then requested a supervisor or another representative and I eas transferred to a survey & hung up on. I called back on The same day at XXXX and was advised to allow time for documents to be recieved. I called on XX/XX/XXXX XXXX I was again advised no documents have been recieved. I called again on XX/XX/XXXX XXXX and I was advised once again there are no documents recieved yet. I called on XX/XX/XXXX & I was advised no documents have been recieved so I requested another representative I was again transferred to a survey & hung up on so I called back on XX/XX/XXXX XXXX to get the same information. I called once again today XX/XX/XXXX XXXX i was told there are no documents I requested a supervisor the representative hung up on me. And here we are at this point almost 30 days later no documents recieved and XXXX  representatives hanging up on my while XXXX continues to report innaccurate information. In 12 more days XXXX will be in Violation of the FCRA guidlines of putting my account in dispute status & getting my credit profile updated correctly which I will then be forced to file suit rightfully so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I recently pulled my credit report and I see that I have some unauthorized debt reporting on my credit report I believe this is Identity theft because I absolutely do not know where this debt came from thats reporting on my credit report I am honestly disturbed barely by this

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 2020-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Wakefield and Associates sent me a bill in the mail. On the bill it stated that one of the accounts was from 2006. Which is over 14 years ago. The statue of limitations is up on that debt. Wakefield Associates never verified or sent any requested information pertaining to the debt. For the debt over 14 years ago they are in direct violation of the FCRA. They are also in violation of the FCRA for not validating that the debt is accurate or that they actually have the right to collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: NJ

Complaint narrative:
Received a collection notice from ACI regarding a debt for XXXX. I contacted ACI around XX/XX/2019 regarding the debt. Then followed up with a letter on XX/XX/2019 certified with no response. I also sent a certified letter to XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I got a notice from my report that they had closed my account ( XXXX XXXX XXXX XXXX XXXX ) on the  XX/XX/XXXX without my consent.I had this account for awhile and i would like for it to be open again cause its affecting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: SC

Complaint narrative:
Northstar Location Services have called and harassed my family daily. Today on XX/XX/20 they called my mother 3 times. Once she answered they stated they were looking for me and told her that they were debt collectors and disclosed to her how much I owed. Provided her information on my account. Which is so embarrassing. My family lives 900 miles away and this company calls them daily. They have also spoken to my brother aggressively about speaking to me. They have also left my sister voicemails. Disclosing how much they are seeking are a violation of the law. Providing them information and not to me is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management was paid in full on XX/XX/2020. On XX/XX/XXXX, I called to request a receipt for payment, because one was not provided at the time of payment. I was then informed, though my balance is {$0.00}, that the business doesn't provide receipts for payment and that I'm not " eligible '' for a letter documenting the full payment until ten days after the payment was made ( two days before the hearing date ). The warrant of debt was received by courier ten days after the date recorded on the document. The mailed legal documents, dated XX/XX/XXXX, were deposited in my mailbox twelve days after the date printed on that document, on XX/XX/XXXX. When I contacted Midland to ask if they intended to continue pursuing a lawsuit on a {$0.00} account balance, MCM 's representative responded XXXX twice ), with only, " Well, you do still have a [ lawsuit ] ( paraphrased ) ''. Now, I'll go to court to defend myself from litigation over a debt that is no longer owed, without a receipt, having only a printed screenshot of the payment confirmation and my bank record of payment, because Midland Credit Management says it's not their " policy '' to provide receipts for payments made to them. Incidentally, I originally took on the debt ( now, finally paid ) in order to get food.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Received a collection notice from XXXX regarding a debt for Paypal. I contacted XXXX around XX/XX/2019 regarding the debt. Then followed up with a letter on XX/XX/2019 certified with no response. I also sent a certified letter to Paypal with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I bought a building lot in XX/XX/XXXX-XX/XX/XXXXand financed through XXXX XXXX. After XXXX, XXXX XXXX XXXXXXXX took over the loan as they took over XXXX XXXX. In XXXX, XXXX XXXX XXXXXXXX reached out to me and asked if I wanted to change my loan to an adjustable with a cap and a 30 year loan. I said yes as long as it didn't impair my credit. I was up to date on payments, actually made greater than minimum payments and early. XXXX  XXXX XXXXXXXX processed the interest rate modification and everything was fine. In XXXX of XXXX, SPS, an incompetent and horrible group, took over servicing of the account. After trying to charge me homeowners for a vacant building lot and 10 plus phone calls and that being resolved, I got a copy of my credit report and it showed that SPS was now reporting that I had a loan modification, not a loan rate adjustment and which did NOT involve a compromise. I've called SPS 20 plus times. I called XXXX multiple times to correct this. They reached out to SPS who refuses to adjust their reporting even though there has been supporting documents from XXXX stating there wasn't compromise and they are solely reporting this on my credit incorrectly. This is a horrible company, SPS, and shouldn't have a license as incompetent as they are. XXXX  XXXX XXXXXXXX has cost me incredible amounts of aggravation, stress and loss of valuable time by out sourcing my loan and this should be illegal or people like myself should be compensated for this type of issue. I am a financial advisor and protection of my license is foremost, something like this endangers my livelihood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: OR

Complaint narrative:
received voicemail from Direct Recovery Services LLC. The number called from was XXXX. " Hello this is XXXX XXXX calling. My office has spent enough time and resources trying to reach you already. It's definitely in your best interest to return this call immediately to resolve your matter voluntarily. Our number is XXXX. '' Call received at XXXX on Tuesday XX/XX/2020. I don't owe any debt. This is their first attempt to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: MD

Complaint narrative:
My Ch XXXX was filed in XXXX and paid in full and discharged in XXXX. It shows discharged on Equifax and it has been removed completely from my XXXX and XXXX  reports. It's XXXX and it's the full 7 seven years showing on my credit. Just please asking for the information to be early exclusion and removed from my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One bank Statement XX/XX/2019 - XX/XX/2019 shows several charges on XX/XX/2019 with charges from XXXX XXXX XXXX XXXX Tn in which I rented a truck at XXXX XXXX XXXX XXXX on XXXX statement XXXX was charge 4 times. my issue is Transaction showing in XXXX TN XXXX 2 times that day other charge shows XXXX XXXX XXXX XXXX card ending in : XXXX It's been over 3 months now Capital One Bank bills me XXXX all sudden

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: TX

Complaint narrative:
This is the 2nd time I am filing an Identity theft Police Report. The first time was in XX/XX/XXXX, but I lost the report since it was a little while ago. At the time, I filed the report with an officer over the phone. Also, the accounts I am listing in this report had not appeared in my credit file at the time of my previous report. These accounts were just recently reported. There are a total of 3 accounts which includes 2 collections accounts and also 1 Inquiry. I have never authorized anyone to use my name or personal information and I have never received any money, goods or services from any of these companies listed below. They are a result of Identity Theft. 
Account : Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Collections : Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Name : XXXX Inquiry Date : XX/XX/XXXX XX/XX/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 2020-01-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On or around XX/XX/XXXX I chatted via phone with a rep., while making a XXXX purchase, about a promo offer that I believed to be 0 % because that was the offer I had last seen for my card on the account. I was assured the offer was active and approved so I made my purchase. In XX/XX/XXXX I became concerned because I was still receiving offers and more importantly the offer I approved was not displaying on my end. So I chatted online again on XX/XX/XXXXwith " XXXX '' who assured me yet again that the 0 % offer was active and that I would see it in my next statement. On XX/XX/XXXX the statement still didn't show the offer so I chatted again with " XXXX '' who said the offer was active but not " 0 % '' but 3.99 %! I was then patched to " XXXX '' who notated the account and flagged it for verification of rate and told me to call back in 48hrs. XX/XX/XXXX I spoke with XXXX who restated the rate was 3.99 % not 0 %. I asked for a supervisor. XXXX reiterated this and said " there was no way to adjust the offer because I accepted the 3.99 % not 0. I tried to tell her that my understanding was the 3.99 % was for another Citi card I have and why would anyone do so for such a large purchase? I asked if the current offer on my account could be applied and was told " No ''.  There's nothing else we can do. This is unacceptable to me. Why would I want to pay interest for a purchase when my standard is to pay in full. I only use promos that are 0 %. I feel the least they could have done was applied the offer as I originally understood it to be 0 %.

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 2020-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Freedom Mortgage Corporation is running a scam on their existing customers in an attempt to get them to refinance. MidXXXXXX/XX/2019 Freedom Mortgage contacted me and informed me that I was a premier customer due to my account status ( never late with payments ) and as a reward they wanted to lower my interest rate by 0.2 %. All I had to do was refinance my loan and they would pay for all the costs - XXXX  dollar out-of-pocket. When asked why they were doing this, their answer was that they wanted to keep me as a customer and not refinance with another company and reward me for being a premier customer. Bottom-line, they sent me through a refinancing exercise that ended up with a new loan amount that had a {$3900.00} increase over my current loan balance ( {$2700.00} of which covered the refinancing fees ). When I reviewed the final loan documents and noticed the {$3900.00} increase over the life of the note ( 287 months ) they responded by stating that actually I was no longer eligible for the loan due my retirement income stream and they were cancelling the application. Total scam. Wonder how many retirees are getting taken by this 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 2020-01-21 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: TX

Complaint narrative:
This is the 2nd time I am filing an Identity theft Police Report. The first time was in XX/XX/XXXX, but I lost the report since it was a little while ago. At the time, I filed the report with an  officer over the phone. Also, the accounts I am listing in this report had not appeared in my credit file at the time of my previous report. These accounts were just recently reported. There are a total of 3 accounts which includes 2 collections accounts and also 1 Inquiry. I have  never authorized anyone to use my name or personal information and I have never received any money, goods or services from any of these companies listed below. They are a result of Identity Theft. 
Account : Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Collections : Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Name : XXXX/XXXX   Inquiry Date : XX/XX/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 2020-01-21 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: TX

Complaint narrative:
This is the 2nd time I am filing an Identity theft Police Report. The first time was in XX/XX/XXXX, but I lost the report since it was a little while ago. At the time, I filed the report with an officer over the phone. Also, the accounts I am listing in this report had not appeared in my credit file at the time of my previous report. These accounts were just recently reported. There are a total of 3 accounts which includes 2 collections accounts and also 1 Inquiry. I have never authorized anyone to use my name or  personal information and I have never received any money, goods or services from any of these companies listed below. They are a result of Identity Theft. 
Account : Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Collections : Name : XXXX XXXX XXXX Account Number : XXXXXXXX Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX Account Number : XXXXXXXX Date Opened : XX/XX/XXXX Name : XXXX  Inquiry Date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 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: MI

Complaint narrative:
XX/XX/2019 I was charged twice for a meal at XXXX XXXX restaurant. 
Charge one - {$110.00} ( did not include tip ) Charge two - {$130.00} ( included tip ) I'm accepting the charge of {$130.00}. I'm not accepting the charge of {$110.00}. 

I disputed the charge with Citi and they have denied it several times. I did as Citi requested me to do, I contacted XXXX XXXX months ago several times. They stated each time verbally that they do not have record of a {$110.00} charge only {$130.00}. I have since requested them to put that in writing and will attach that to this dispute. 

I previously reached out the to CFPB case # XXXX-XXXX. Citi denied it. XXXX XXXX sent a letter with no email and the phone number that was provided was never answered and does not have a VM. I have included the documentation.

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