vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-12 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: CITIBANK, N.A.
State: AL

Complaint narrative:
Citi reported my account was 30 days past due on XX/XX/2019. The account was not past due. The information was inaccurate and retaliatory due to complaints filed to the CFPB in response to practices by Citi Cards. The link on the XXXX  website is not working to submit an online claim.

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 2019-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
RASH CURTIS & ASSOCIATES Account number XXXX  Recent balance {$1200.00} as of XXXX/XXXX/XXXX RASH CURTIS & ASSOCIATES Account number XXXX  Recent balance {$700.00} as of XXXX/XXXX/XXXX RASH CURTIS & ASSOCIATES Account number XXXX   Recent balance {$530.00} as of XXXX/XXXX/XXXX this collection company reported numerous collections on my credit report. I do not recognize these charges or the original creditors XXXX XXXX  county, dental office and parking authority ... what is this for ... My numerous attempts to request validation from rash Curtis went ignored, for 3 months now I have written them with no response, I called only for them to ask for my phone # and social and now they are calling me non stop and said they will be calling sheriffs office and garnishing wages .... I simply wish to know what these fees are for and if they are mine as I always pay my bills on time and have a good reason to believe that there may be a mistake on their behalf. please help me to resolve these issues damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have been receiving voicemails from Comenity Bank trying to collect a debt from a relative. I am a third party. I asked them to remove my phone number and cease communication to my cell phone on XX/XX/19. On XX/XX/19, they yet again left a message on my cellphone addressed to my relative. My voicemail clearly states my name. They have failed to put my number on the do not call list and cease communication to my cellphone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX reported my account was 30 days past due on XX/XX/2019. The account was not past due. The information was inaccurate and retaliatory due to complaints filed to the CFPB in response to practices by XXXX XXXX. The link on the Transunion website is not working to submit an online claim.

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 2019-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
A female representative from Merchants and Medical Credit Corporation, called my job, without stating who she was, nor where she was calling from asking for me and when asked did she want to speak to me, she stated No! I knew she worked for XXXX XXXX XXXX and hung up the phone. I am a XXXX XXXX, therefore I work at several locations and this person choose a branch where she could speak to a co worker instead of our home office. Therefore, this co worker calls me at another job site asking why are these people calling around looking for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 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: CA

Complaint narrative:
On XX/XX/XXXX, I received a notice from XXXX XXXX that my account balance was XXXX. My account limit is XXXX. I made a XXXX payment on XX/XX/XXXX to avoid having the account over the limit. Then on XX/XX/XXXX payment of XXXX was made to XXXX XXXX and now had a XXXX balance. 

My concern is that the account was over the limit as of XX/XX/XXXX with a balance of XXXX but was paid off within 3 days. The account was not over the limit long enough to be reported to the credit bureau. I called XXXX XXXX and they stated that it should not have been reported to the credit bureau and that it was a mistake. Never the less, their actions have affected my credit score. 

I want this resolved and XXXX XXXX needs to correct the information that they have sent to all three credit bureaus.

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 2019-07-12 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: MO

Complaint narrative:
When I got my American Express plaitnum card XX/XX/XXXX and the XXXX XXXX XXXX  card on XX/XX/XXXX, they both comes with the benefit of Priority Pass Select which gives me access to lounges and non-lounges that cooperates with Priority Pass. However, I received emails on XX/XX/XXXX that " From XX/XX/XXXX access to non-lounge airport experiences will be removed from your membership program ''. This is a negative change of my membership benefit during my current paid membershio year and American Express refuses to give any compensation or alternative solutions for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
No proper means of communication was ever established. This company fail to provide proper notifications and arrangements to clear the monies owed.

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 2019-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I called XXXX to have WiFi internet installed into my New York address. I was clear with the sales agent that I did not want to pay for the installation nor equipment, and the sales agent told me they could do that. 

I was not overly thrilled with the service and received XXXX bill from XXXX the following month, which was not paid immediately, so the service was disconnected sometime between XX/XX/XXXX to XXXX, XXXX. I left this address on XX/XX/XXXX aware that I owed XXXX month of service but nothing more. I didnt think they would charge me anything further as the service was deactivated, no longer in use. 

Once I had relocated to my new home in California, I received a call from a debt collector about this bill in XX/XX/XXXX. I didnt understand the charges but I knew the amount for {$300.00} for XXXX days service was incorrect. When I called XXXX they told me they had sent my account to a third party debt collector and it was out of their hands, that they couldnt do anything. I asked to dispute the charges and they said they would contact me back, I never received any call-back or email, nor voicemail. 

Now that Im trying to upgrade my bank account they tell me somethings popping up with my SSN and so I called XXXX in XX/XX/XXXX and was told the charges were for the equipment that I never returned, but I was never informed upfront about any equipment charges nor that I had to return them. I told them again I wanted to dispute the charges and was told somebody would get back to me, but again I never received a call, email or voicemail ( a voicemail I could respond to ). 

I called XXXX today to discuss the disputed charges and was told I should have known to cancel my account after they had already deactivated it, and that I should know to return the equipment and that I should know I will get charged for them. Not when I was told on XX/XX/XXXX that the equipment was no charge upfront and that I would not be charged. XXXX can not provide me with the exact dates my service was active, and say they did not cancel my account until XX/XX/XXXX, which is XXXX months after they deactivated my service. 

I told XXXX that I believe I am liable to pay for the XXXX days the Internet was active, but not for the other charges that I did not agree to nor were unaware of, nor that they would charge me these extra charges at a later date. XXXX tell me they only added the charges onto my account in once they cancelled it! And then failed to inform me of this information, I found out through their third party debt collector, IC Systems. Obviously, Im not going to pay the debt collector, nor any XXXX bill, until Ive resolved these charges that I never agreed to.

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 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding
State: KS

Complaint narrative:
My Name is XXXX XXXX XXXX, the address I live and have Mortgage is XXXX XXXX XXXX XXXX, XXXX, Kansas XXXX, Phone number XXXX. 

The Company I wish to file a complaint against is : XXXX XXXX, address XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, my loan was with XXXX for years and then they sold my loan to XXXX, my Loan number is XXXX. 

I have always paid my payment on time I have 15 day grace on the original agreement, I have been dealing with collection calls and their messed up paper work since XXXX of 2019. When my payment is always on time, every month it is something different they are trying to collect on and they are not even suppose to call me period to collect anything because my Payments are always on time. So I told the supervisor I get one more collection call after our talk in XXXX on this problem I would file a complaint against them. I have proof of every payment I have made and that they are always on time. They continue harassing me I will see about suing them for harassment because I only owe on this loan 2 1/2 more years. 

If you want more detail I have kept every piece of paper those people have sent me, even XXXX   letters that they were selling my loan to XXXX. I am sick of this these people have had me stressed out since XXXX, I am over it and it is beginning to cause me health issues. 

If you want to talk to the Supervisor that is suppose to be personally handling my loan her name is XXXX, her number is XXXX ext XXXX. I told her I get one more collection call from your Company I will turn you in. I am getting a lawyer involved if this situation is not taken care of. If I was late it would be different, but I never have been except one time and XXXX worked with me to get it caught up, and I was only 1 month behind that was over 2 years ago. 

any help I can get would be appreciated because I feel this is wrong and they have no clue what they are doing there. 

Sincere Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2019-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2019-07-12 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: NJ

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
It seems that when I apply for American Express cards they only Approve me for cards with {$250.00} & {$550.00} annual fees. I currently have a American express gold card which has a {$250.00} annual fee. I spent way over a XXXX dollars in purchases using the card last month, however I did not receive the points I earned. I tried to apply for a different card that doesn't have a {$250.00} annual fee ... And they declined me for the exact same reasons they APPROVED me for. It doesn't make sense. I have a list of their cards that I have applied for ... And they only approve me for cards with annual fees. I believe this is extortion on American Express 's part. My credit is a lot better now then before when I had applied. I talked to someone in American Express Executive department and they sent my application for the other card under manual review. They initially said the reason for decline was because of too many inquiries on my credit. Well I did have a lot more inquiries on my credit when they approved me for the card with a {$250.00} annual fee. They also said my relationship with American Express is too short. Well that is false, I have been a card holder of American Express for 6 years. The application ID in question is # XXXX. Please review this with American Express. I believe American Express is seriously violated ( FCRA ) Fair Credit Report Act- under fairness. They are only approving me for cards with annual fees. Also I would like to know where the points are that I have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My loan is serviced by mr. COOPER. I feel I have been overcharged from the mortgage escrow statements. There is a XXXX XXXX dollar balance that makes no sense. When I have called, the representative is too inept and unable to pull up the escrow statement. I have been repeatedly transferred and left on hold indefinitely. A customer service representative, XXXX XXXX emailed the escrow department supervisor, XXXX XXXX to contact me on XX/XX/2019. My escrow analysis has raised my monthly amount but there is a surplus and I can not get anyone to help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I made a payment directly to the company XXXX XXXX XXXX XXXX in XX/XX/2019. The collection agency is SCA COLL and theyve resubmitted to the credit bureaus as if the payment was not satisfied. I contacted the original debtor and they said they would contact SCA. Im pretty sure its an error not sure why would they resubmit my info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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:
I leased a XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA in XX/XX/XXXX for a 36-mo.  term. XX/XX/XXXX I decided to lease a new vehicle from XXXX XXXX XXXX in XXXX, TX. At that time XXXX XXXX contacted XXXX to obtain the payoff amount to pay off the remainder of the lease term. XXXX XXXX mailed on XX/XX/XXXX a check in the amount of {$6000.00} per XXXX XXXX XXXX 's ( XXXX ) instructions and the check was cashed the following day XX/XX/XXXX. Within days of leasing a new car from XXXX XXXX, the XXXX was shipped from Park Place to the XXXX at XXXX XXXX XXXX. The XXXX at XXXX XXXX made the shipping arrangements. 

I never had any contact with XXXX after I returned the car and XXXX XXXX paid off the remainder of the lease. 

On XX/XX/XXXX I applied for a mortgage loan and found that late pays in XX/XX/XXXX and XX/XX/XXXX and a charge-off was reported on my credit in XX/XX/XXXX and XX/XX/XXXX. I immediately contacted XXXX to find out why. They told me the car was returned XX/XX/XXXX and they did not receive a payoff payment XX/XX/XXXX. This was alarming to me because I had not been in possession of the XXXX since XX/XX/XXXX and I have a copy of the {$6000.00} payoff check that was cashed by XXXX. I then requested a full payment history that details the source of who the payments were coming from and a vehicle return receipt and photo ID showing who returned the vehicle. XXXX kept passing me around and refused to provide the documentation I requested. I finally spoke to XXXX in the Recovery dept of XXXX and he sent me a simple payment history ( without details of where the payment source came from ) and it shows that XXXX did not record that they received the {$6000.00} and that someone had been making payments on the XXXX up until XX/XX/XXXX. He told me that XXXX spoke to me on XX/XX/XXXX about damages on XXXX. That conversation did not take place with me because I had not talked to XXXX since XX/XX/XXXX. 

It is apparent to me that a XXXX employee must have taken the XXXX after it was shipped to California in XX/XX/XXXX, drove it and made payments on it without my knowledge or consent, stole my identity, and returned it on XX/XX/XXXX. XXXX either failed to report the payoff check or an employee intercepted the check and fraudulently cashed it. I found out that the XXXX at XXXX XXXX, who I leased the XXXX from and who I shipped the XXXX back to in XX/XX/XXXX had been fired and is no longer working for XXXX. XXXX refuses to provide me any information proving who returned and made payments on the XXXX. I believe XXXX is passing me around and refusing to provide pertinent information about my account in an effort to avoid proving their liability in this apparent fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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:
I recently submitted a request for investigation of several student loans, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXXreditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.

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