vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: UT

Complaint narrative:
The alleged debt is well over 12 years old or more. We believe the debt was discharged in a bankruptcy but if not, was most definitely written off at least that long ago. We had not heard from XXXX : XXXX XXXX or the alleged current creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX for over 11 years and suddenly in XX/XX/XXXX we got a notice from a collection company about the alleged debt seeking a settlement offer. At the bottom of this notice it said " because of the age of your debt you can not be sued for it and it can not be reported to credit reporting agency. '' When we talked to a paralegal friend we were told that if we submit any kind of response whatsoever, it will permit them to reinstate the claim on our credit record and have another 6 years to try to collect it. Therefore, we did not respond despite getting a new notice every few months. In XX/XX/XXXX we got a notice from a new collection company for the same alleged debt seeking to collect this alleged debt. On their statement was included the same information stating that due to the age of our debt we can not be sued and it can not be reported against us. And that making a partial payment will allow them to report back to our credit and reopen the account. Again we did not respond. Now today, XX/XX/XXXX we got a letter from yet another collection agency on this alleged debt threatening to sue and accusing of being is severe default on the account. No where on this new letter does it say we can not be sued due to the age of this debt. We have reason to believe that XXXX XXXX XXXX has reported this against our credit now and has illegally invoked collection practices on an account that was written off or filed in a bankruptcy over 12 years ago. The law states if we submit a claim denying we owe the account or anything that will cause the collection company to have to verify the company can then start the 6 years over and sue us for the debt. So we do not know how to resolve this without having this debt reinstated.

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 2019-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
My loan was sold, I made the payment to the new company via an online check from my bank. The payment was recieved but not applied to my loan. I have provided proof of the transaction however, they are requiring a certain type of proof which I can not get from the bank. I am attempting to refinance and this payment issue is delaying the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: IL

Complaint narrative:
First - Please remove the fraud alert on my credit report. I have asked this more than 3 times and it has not yet been done. My number is XXXX. 

These accounts below have the wrong balance. 

Open credit card accounts XXXX XXXX Reported XX/XX/2019 148 % Balance : {$290.00} / {$200.00} XXXX XXXX XXXX XXXX XX/XX/2019 96 % Balance : {$280.00} / {$300.00} XXXX XXXX XXXX Reported XX/XX/2019 89 % Balance : {$170.00} / {$200.00} XXXX XXXX Reported XX/XX/2019 52 % Balance : {$510.00} / {$1000.00}

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 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The cashier at Kohls signed me up for the card. I never got anything in the mail or E-mail after. No card, no offers, no nothing. I assumed that it fell through, but now that it is on my XXXX I feel scammed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONRAD CREDIT CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX. Conrad Credit Corporation does not stop calling me. I have asked them in writing to stop yet they call me anyways. Its to my understanding that when you ask a debt collector to stop calling and to communicate in writing only that they are supposed to stopthey havent. I am very upset because they called me at work and I told them I cant take calls at work and I got into trouble by my employer whom I am up for review on a promotionthat does not look like its happening anymore thanks to the unwanted calls at work that got me into trouble. 

I have asked them to also provide information about the alleged debt yet they still call and they still are reporting negative information on my Credit Report. I understand they can not continue to attempt to collect ( or call ) yet they do this anyways. 

I dont know why I must spend so many countless hours trying to resolve this matter its causing me a lot of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: IL

Complaint narrative:
First - Please remove the fraud alert on my credit report. I have asked this more than 3 times and it has not yet been done. My number is XXXX. 

These accounts below have the wrong balance. 

Open credit card accounts XXXX XXXX Reported XX/XX/2019 XXXX % Balance : {$290.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2019 XXXX  % Balance : {$280.00} / {$300.00} XXXX XXXX XXXX Reported XX/XX/2019 XXXX  % Balance : {$170.00} / {$200.00} XXXX XXXX Reported XX/XX/2019 XXXX  % Balance : {$510.00} / {$1000.00}

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 2019-03-08 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: IL

Complaint narrative:
First - Please remove the fraud alert on my credit report. I have asked this more than 3 times and it has not yet been done. My number is XXXX. 

These accounts below have the wrong balance. 

Open credit card accounts XXXX XXXX Reported XX/XX/2019 148 % Balance : {$290.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2019 96 % Balance : {$280.00} / {$300.00} XXXX XXXX XXXX Reported XX/XX/2019 89 % Balance : {$170.00} / {$200.00} XXXX XXXX Reported XX/XX/2019 52 % Balance : {$510.00} / {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
My account was closed in 2017, i was making regular payments and it was closed with no notice or reason why. I called the company asking why and they could not give me an accurate answer and i was told i will still have to make payments even though they closed 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 explanation
Consumer complaint received 2019-03-08 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hello my amex charge had a zero balance when my card was used and charged illegally. please I need this account removed from a negative status to never late. the credit card company says they would fix the problem but nothing yet. I never had negative credit I'm trying to buy a home with my new wife and a child on the way. I provided my police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
Our company " XXXX XXXX '' was issued a money order from " XXXX XXXX '' / US Bank. The money order was in the amount of {$900.00}, and was made out to our company. It was not made out to any individual. 

A third party intercepted the money order and was able to cash it at the issuing bank, located at XXXX XXXX XXXX, XXXX, CO XXXX. The third-party was not an officer of our company, and not related to the company. 

I asked to speak to the store manager about the missing check and XXXX XXXX confirmed the check was cashed to a third-party, and showed me the endorsement of the third-party who cashed it. 

When I informed them that they did not have authorization to cash that check to any stranger, XXXX XXXX became indignant and rude. She informed me " this is how we always do things, '' and " I've been managing banks for many years. '' I was alarmed that the bank cashed a check without checking endorsement, or identification. In doing so the bank has breached its duty to its customer and UCC code. 

XXXX XXXX refused to help me further and would not assist in the return my companies ' money order. 

I am filing this complaint in hopes that further damage can be prevented by the illegal actions of the teller and management from this bank.

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 2019-03-08 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: IL

Complaint narrative:
On XX/XX/2019 a letter was sent to each credit bureau ( Equifax, XXXX and XXXX ) to validate an account on my report. That account was from XXXX for account # ending in XXXX. XXXX did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same 3rd party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
In XX/XX/2018, I called to set up service with XXXX. When they did not show up for appointment, I called and cancelled their service and set up service with XXXX XXXX XXXX instead. ( XXXX also lied about the speed and price they could offer for internet ) I was told account was cancelled and I owed nothing because they never came out to the home. In XXXX, I received 2 bills stating I owed money to XXXX. I called on both of those bills and was told account was closed and I owed nothing and to ignore the bill. 

In XXXX I received another bill from XXXX for {$51.00}. I called again, spoke to XXXX in billing and was told they forgot to cancel account but they would take care of it and we owed nothing. I was given this case # XXXX. 

Since XXXX, I have NOT received a single bill from XXXX or from their collection agency. I thought everything was fine until I see on XXXX XXXX that XXXX has sent the account to collections and they say that we owe them {$51.00} again. This is ridiculous! 

We have contacted them 3 times and was told every time that they closed our account and nothing was owed to them. We NEVER received services from them! We cancelled the account before it ever started.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
To Whom It May Concern : Due to several inaccurate calculations on my account XXXX ( FHA XXXX ) with Mr. Copper ( loan mortgage company ), I would like to request this account to be audited/reviewed.

On XX/XX/XXXX, I closed the sale of my home and on XX/XX/XXXX the payoff wire was sent & received by Mr. Cooper as per their payoff demand ( pages 1-5 ) On XX/XX/XXXX, I notice my account was not yet closed. I contacted a customer service representative ( XXXX ) who informed me that due to disbursement of taxes made, the payoff amount increased {$470.00}, however it was not disclosed. In speaking with XXXX, I felt very discriminated due to my accent. She had an attitude and was very disrespectful. I decided to reach out to the title company. Me and escrow officer ( XXXX XXXX  ) XXXX XXXX XXXX, spoke with XXXX, who advised us they did not calculate enough funds in the escrow account to the disbursement that created a shortage on the wire payoff. We were informed initially that the shortage would only be {$470.00} due to the tax disbursement. I called back on the same day at about 1300 hours to make a payment on the shortage. Of {$470.00} and spoke with XXXX. She was very uncooperative and threatened me that if I did not make a payment of {$1200.00} fully satisfy the loan, Mr. Cooper would send the wire payoff back to the title company, causing for me to get a 30 day late. XXXX coerced me to pay an extra month of interest which was not needed. Paid confirmation # XXXX This is not the first time I have noticed extra charges being added to my account. In my mortgage loan statement XX/XX/XXXX, I neither noticed a charge for {$15.00} for an inspection never disclosed nor was I informed one was being done. ( see page 6 ). I spoke with representative ( XXXX XXXX ) who had no knowledge of what the inspection was for or why I was being charged.

I was very disappointed and concerned of the lack of customer service, disrespectfulness and how my loan was handled with these miscalculations. Further, their pay off demand was good through XX/XX/XXXX the day they received the wire. For that reason, I would like to request to be refunded the interest collected for the month of XXXX. I should not be penalized one additional months of interest when they received the pay off demand on time. Therefore, I would like to request my account XXXX ( XXXX XXXX ) with Mr. Copper ( loan mortgage company ), to be audited/reviewed. 

If you have any questions, please contact me at your earliest convenience. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I tried to open up another account with Wells Fargo my old account was closed out do overdraft fees and I paid off all my old overdraft fees and I'm still having problems trying to open up a new checking and savings account can you please tell me why and what's going on

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 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX from NCB management Services XXXX repeatedly calls my business and is harassing my staff asking my personal information my birth date and social security number and giving employees information on the debt. He told my employee that he was calling from XXXX  and spoke to her rudely and keeps calling. 

XX/XX/XXXX XXXX XXXX called again harassing my staff today he said he was from Another company and when my employee said your the same guy that called yesterday He lied and said it wasnt him. Never disclosed that he was a debt collector. 
He is nasty and rude to my staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: UT

Complaint narrative:
The alleged debt is well over 12 years old or more. We believe the debt was discharged in a bankruptcy but if not, was most definitely written off at least that long ago. We had not heard from XXXX : XXXX XXXX or the alleged current creditor Bureaus Investment Group Portfolio NO 15 LLC for over 11 years and suddenly in XX/XX/XXXX we got a notice from a collection company about the alleged debt seeking a settlement offer. At the bottom of this notice it said " because of the age of your debt you can not be sued for it and it can not be reported to credit reporting agency. '' When we talked to a paralegal friend we were told that if we submit any kind of response whatsoever, it will permit them to reinstate the claim on our credit record and have another 6 years to try to collect it. Therefore, we did not respond despite getting a new notice every few months. In XX/XX/XXXX we got a notice from a new collection company for the same alleged debt seeking to collect this alleged debt. On their statement was included the same information stating that due to the age of our debt we can not be sued and it can not be reported against us. And that making a partial payment will allow them to report back to our credit and reopen the account. Again we did not respond. Now today, XX/XX/XXXX we got a letter from yet another collection agency on this alleged debt threatening to sue and accusing of being is severe default on the account. No where on this new letter does it say we can not be sued due to the age of this debt. We have reason to believe that Bureaus Investment Group has reported this against our credit now and has illegally invoked collection practices on an account that was written off or filed in a bankruptcy over 12 years ago. The law states if we submit a claim denying we owe the account or anything that will cause the collection company to have to verify the company can then start the 6 years over and sue us for the debt. So we do not know how to resolve this without having this debt reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: IL

Complaint narrative:
On XX/XX/2019 a letter was sent to each credit bureau ( XXXX, Transunion and XXXX ) to validate an account on my report. That account was from XXXX for account # ending in XXXX. XXXX did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same 3rd party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete 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 2019-03-08 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: IL

Complaint narrative:
On XX/XX/2019 a letter was sent to each credit bureau ( XXXX, XXXX and Experian ) to validate an account on my report. That account was from XXXX for account # ending in XXXX. XXXX did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same 3rd party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete 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 2019-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
I have been paying my normal repayment for years. Out of the blue on XX/XX/XXXX I received an email stating they received my request for income driven repayment. I am mediately called to inform them that I did not submit anything and the request was not mine. The lady explained that there was another customer with a similar account or social number and that the request was incorrectly login to my account. I told her I did not want anything on my account changed. She assured me that it would be corrected. On XX/XX/XXXX I received another email stating that they received the additional documentation for the income driven request. Once again I called and explained how I called a week prior and that the issue is still not fixed and I did not want any changes made to my account. Today XXXX I received an email that the income driven request was approved and was provided my new payment information. After logging into my account I found that my repayment terms were in fact changed all without my permission. The lady apologized and says she would fix it.

Company response to consumer: Closed with explanation