vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
Back on XX/XX/2019, I sent to CMRE Financial Services a demand for validation letter for the following accounts : 1 ) CMRE FINAN SERV XXXX Balance : {$300.00} ; 2 ) CMRE FINAN SERV XXXX  Balance {$300.00}. As of today they have failed to provide me with the proof I have lawfully requested. 

I am requesting your help so this company stop reporting these invalids items to the credit report agencies. Ive done everything in my hands but Ive been ignored. These accounts being reported to the credit bureaus without sending me a validation for the debt is a violation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: FL

Complaint narrative:
My child was personal information have been report to a credit bureau, this is fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 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: FL

Complaint narrative:
My child was personal information have been report to a credit bureau, this is fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 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: TX

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copied from the affidavit attached ) ******

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
XXXX is trying to collect an old debt not owed. XXXX charged me for an extra month of television service that I did not receive. I had already cancelled the account where I was an excellent customer for two decades with XXXX and its predecessor XXXX XXXX. The amount involved is {$100.00}. XXXX is reporting this amount to XXXX and XXXX  keeps reporting it on my credit report and neither XXXX nor XXXX  will listen to me and remove it. I am over XXXX years old and though this may seem a small amount to some, it is a large amount to a senior on a fixed income. XXXX has been abusive to me in phone calls and has been extremely abusive when I have talked to XXXX 's corporate office located in XXXX. I am also a victim of the XXXX Data Breach so you would think XXXX would be responsive to false reports on my XXXX Credit Report, but they are not. Both firms think because I am a little old lady I don't count and their employees can be abusive and push me around because they work for large firms and are not accountable to anyone. This money is NOT OWED, and THIS DISPUTE IS OVER SEVEN YEARS OLD, but every time XXXX sells this account to yet another collection agency, XXXX reports a much later date for this false debt. Now it is being reported as just having been incurred in XX/XX/2019, when in fact goes back over 7 calendar years ago! XXXX, please remove this false debt from all three credit bureau reports. XX/XX/XXXX and XX/XX/XXXX have already removed it, but XX/XX/XXXX continues to torture me and refuses to remove it. I have talked to lawyers who are ready to sue XX/XX/XXXX and also XXXX in a class action suit over this with many other plaintiffs involved, not just me. I want this XXXX collection account immediately removed from my credit reports from XX/XX/XXXX, the only credit bureau still reporting this false information. Thank you to the Federal Government for your help with this! It seems as if you are the only one who cares about the little people. PS Both XX/XX/XXXX and XX/XX/XXXX have already investigated this and removed it from my credit report, while XX/XX/XXXX where I am a victim of their data breach, refuses to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
The original company that owned this debt was XXXX XXXX. 
I had a balance on the card and ran into financially issues and had to put the payments aside for a few months but the delinquency never populated onto my credit report. I thought that was odd. I had to call XXXX XXXX one day to see if I could work out a payment plan with them, They asked my information they said the information they had did not match what I was giving them. I told them the original card was placed in my name and my name only, XXXX XXXX said their was another name and address attached to this card. I told them if they can not tell me whom the other person was I would not take responsibility for the card. They told me they saw my name but another person was showing as the primary. I was not married and did not have children old enough. So I had no idea who the primary authorized user was that was placed on my card, and what they had charged on my card. After speaking with several people the management returned my call and informed me that they found me to be the original card holder and they were not sure how the other authorized user could have been added to my account without my permission. They said they would delete the other user. I specifically told them NOT TO DELETE the other user. I asked them to make notes on my account stating what had occurred they agreed to do so but would not discredit the balance. I told them that I refuse to pay for this debt years that Is not all of mine. My account was altered without my permission allowing another user to have access to my account and use my card. I discontinued payments on the card and fought the company several times telling them I refuse to be responsible for the entire debt they were telling me I now owed. After not seeing the credit card on my credit report for years the delinquency began to population there. Years passed and the SOL was in effect so I could no longer be sued, I thought all was done, until A company called me out of the blue stating they bought the debt. I explained the story to them and they agreed that they did not want to deal with it. It went back to XXXX XXXX, and Portfolio Recovery bought the debt from XXXX XXXX .They call me all day long, send me letters. I have responded through credit reporting companies stating the debt is not mine. They respond back by sending my the credit card statements. They have not sent me any of the XXXX XXXX notes that I asked by documented nor the recordings of the multiple phone calls that took place this is not expectable. They have told me I could not be sued but have issued a derogatory mark on my credit report. It is seriously effecting my credit and I would like to refinance my house. Other than hiring a lawyer I am not sure how else to handle this company and make them remove the derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: FL

Complaint narrative:
I attempted to make a purchase through XXXX XXXX on XX/XX/XXXX for {$42.00}. I immediately noticed that the delivery address was incorrect and immediately called to cancel the delivery. The representative with XXXX XXXX  assured me that they would issue a refund. Additionally, no attempt to deliver food was ever made. Several business days later, the charge was still not refunded, and I called Citibank to dispute the charge. After returning the disputed letter, I received a letter from Citibank that the investigation was complete with no other details. I called and after speaking to multiple people, they informed me that the investigation was still open. Ive now received a letter from Citibank that says they determined that the service I was billed for was provided. I know this not to be true, and had already informed them in writing that no service was received, and the merchant also admits that no service was provided. Therefore, the only conclusion is that Citibank has not properly researched my dispute, and instead has simply closed it with no action. I would like to file a formal complaint against Citibank for violation of the Fair Credit Billing Act by failing to properly follow up on a disputed transaction.

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 2019-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I had communicated with a woman XXXX XXXX who was to send me two tickets to XXXX in XXXX RI. I was purchasing said tickets for my son 's birthday gift and had already arranged plane tickets, hotels, ect. 
After I sent the second payment to XXXX XXXX, her supposed husband to this email address : XXXX, she completely deactivated her XXXX account and deleted all messages containing ticket information. 
I immediately tried to cancel the transaction, and thought I had done so with my bank, XXXX. However, the money still came out of my account the fradulant woman was paid. I was able to get one of the two payments sent to the woman returned, however, this payment of {$78.00} was not able to be recovered. 
I contacted ebay, they did nothing to recover the funds, and I contacted XXXX to get the woman 's information. None of these actions did any good that is why I am now reporting it to you. 
Please assist me in getting these funds returned. It may not seem like alot of money to some, but at this time I am unemployed and truly need it. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I received an email today from Quicken Loans informing me that my loan servicing is being transferred to XXXX XXXX XXXX. Furthermore, Quicken Loans has offered customers only two weeks to make payment changes and communicated this to customers today via email ( as of XX/XX/15 ). No official written notice has been received by regular mail as of today ( XX/XX/15 ). 

The email states that after XX/XX/XXXX Quicken Loans will not accept payments and all payments need to be sent to XXXX XXXX. They do not provide a phone number or email address for XXXX XXXX. 

This short notice ( two weeks ) provided to customers is unacceptable. Most customers may never see the emails and in all likelihood will miss the deadlines. This, in turn, will result in late charges, service charges, payment due notices, etc.. Basically, a lot of unnecessary stress and burden placed on their loyal customers. Not to mention the economic gain from late charges, etc. 

I am not opposed to Quicken Loans selling the servicing of the loan. I am disappointed at them not being upfront ; I am disappointed that they did not provide advance notice with a reasonable amount of time ( at least a month or two vs 15 days ) ; Furthermore, they provided virtually no contact information ( email or phone number ) to the new entity. Only a PO Box mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: GA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts XXXX XXXX XXXX and XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility..I spoke to a representative for Experian by the name of XXXX she failed to giver her last name the only thing she stated was I am on XXXX  XXXX they will know who I am and she failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of 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 non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
They are not reporting my monthly mortgage payments. The last reporting was in XX/XX/XXXX when they should have reported in XX/XX/XXXX also. They also neglected to report my payments from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX this is causing me financial harm as I cant go forward with a refinance which I have a court order for it to be completed before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
i ended my duke energy account as of XX/XX/2019 due to moving out of my apartment. i had paperless billing with XXXX XXXX and my phone number was linked to my account. i called XX/XX/XXXX XXXX XXXX  to give my new address and to advise my service would end on XX/XX/XXXX. i had a deposit of {$200.00} on the account. after i moved out, i never received a bill, email nor phone call. i made the assumption that the deposit covered any remaining bill. i received a credit alert today from a collections account helvey associates stating i have a collections account from XXXX XXXX. i asked if this is paid will it be removed due to lack of due diligence, they said no. i am disputing the lack of due diligence. i am a veteran who is trying to get a house, been cleaning up my credit and finally in the position to do so until 20 pt drop in credit score due to this. again, i am asking that this be  removed because of due diligence violations. this is very detrimental to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX Care Credit sent ( without my request ) a new credit card in the mail and the information with it said " here is your new card, please activate before using '' as any other normal credit card would be reissued. 

1 week later, my credit score went down as a result of that transaction. What in fact happened was Care Credit closed my old card and the account associated with it and opened a brand new credit line in my name through mastercard and its reporting as a brand new account. Both of these factors, the cancelled account and the age of the new account negatively affected my credit. 

I called them and they have filed a correction but continue to claim they are " pretty sure '' it wasn't supposed to effect my credit. 

They are predatory as a business and if I didn't have the time or means to investigate like much of there customers do not, I would be dissuaded to do anything about this affecting my credit. They should be put out of business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
For the statement ending XX/XX/2019, the balance transfer/check promotion row in the " Interest Charge Calculation '' showed the balance of $ xx and an APR of 0 %. 

In the section below about " AVOIDING INTEREST ON PURCHASES ( GRACE PERIOD ) '', it said the following : 1 ) If you have a 0 % promotional APR on all of your Purchase balances, you can avoid paying interest on those balances during the applicable promotional period. However, pay at least your Minimum Payment Due to avoid a late fee.

2 ) If you have both Purchase balances with an APR greater than 0 % and you also have other promotional balances on your Account, you can avoid paying interest on your Purchases by paying $ xx ( this amount includes any Minimum Payment Due required to avoid a late fee ).

Then, the next month, I received an interest charge of $ yy, even though the previous statement said that the balance of $ xx had a 0 % APR rate. 

I tried to explain to this to Barclays on the phone, but they refused to acknowledge that their statement ending XX/XX/2019 incorrectly represented the APR on the balance. They also refused to take any responsibility because the prior statement ending XX/XX/2019 explained that interest would start accruing on XX/XX/2019, even though their XX/XX/XXXX statement said the opposite. 

Based on the XX/XX/2019 statement, there was no way of knowing I would be accruing interest in XX/XX/2019.

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 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
Dated XX/XX/19 I received letter from Radius Global Solutions in reference to a debt owed to XXXX XXXX of {$1400.00}. Please provide proper validation of this alleged debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: UT

Complaint narrative:
I submitted complaint about my credit report having erroneous collections on them. The collections were removed but my credit score was LOWERED 20 points. No negative entries only decreases in balances

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2019, I noticed a collections account on my credit report that is not mine. The account is with XXXX XXXX  for a XXXX  XXXX bill. I have never subscribed to XXXX XXXX in my life and must be a mistake. However, my dispute result somehow verified the account is accurate. I have contacted XXXX XXXX requesting for proof the debt is mine. I have yet to hear back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
MOVE THE FRAUD ALERT FROM MY EXPERIAN 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 non-monetary relief
Consumer complaint received 2019-08-15 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: UT

Complaint narrative:
I submitted a complaint about erroneous collections on my reports causing my credit scores to go down. These erroneous entries were removed yet my score dropped 11 more points. All Of the changes on my report showed decrease in balances

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Ok it was early morning XX/XX/2019 I had my American Express bluebird card ending in XXXX I stopped at XXXX at XXXX XXXX XXXX to reload my prepaid bluebird card by Amex I get to the cashier tell her I wanted to load {$200.00} and she tells me to swipe my card and it didnt go through she tried two more times and it failed again and she gave me my money and receipt back for other items I purchased and I got home and somehow it was a reversal from XXXX for {$250.00} I call American Express and XXXX Amex tells me that theyre system was down and to call back in 30 minutes and I called back and they said I had to start a Dispute and I did but they denied it and now my prepaid card was at a negative {$250.00} like how does that happen its prepaid it was obviously a mistake made and they didnt see it that way

Company response to consumer: Closed with monetary relief