vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I have communicated with XXXX XXXX over the years, and have provided them with proof of the Chapter XXXX discharge paperwork on several occasions. The debt owed to XXXX XXXX was discharged in XX/XX/XXXX in a Chapter XXXX bankruptcy under XXXX XXXX. It was timeshare that was paid off but they continue charging fees. I have not heard from them in over 10 years. Today, I received a harassing call from Sunrise Credit Services, # XXXX, on behalf of monies owed to XXXX XXXX. I informed the agent it was discharged in XX/XX/XXXX in a Chapter XXXX. She demanded the information ; however, I had to call back since I was driving. I called Sunrise Credit Services back the same day and XXXX XXXX answered. I explained it was discharged in a Chapter XXXX in XX/XX/XXXX but before I could provide the case number she states : It doesn't matter why we are calling, you paid on this back in XX/XX/XXXX. Before I could provide the Bankruptcy Case number : XXXX filed in XXXX, GA she yells : " Call back with a better attitude '' then hangs the phone up in my face. Upon calling back I spoke to XXXX XXXX again. She stated that since I filed in XX/XX/XXXX and made a payment in XX/XX/XXXX they did not need the bankruptcy information because the monies were still owed. I explained that I was not aware of a payment in XX/XX/XXXX and asked how much. She would not provide me with the information, but stated that the {$6000.00} will not go away. She hung up again. I am being harassed by this company, and specifically by employee XXXX XXXX who refused to take down any information with regards to the Chapter XXXX filing and discharge in 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 2019-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have been on Medicaid for years and I have been receiving a collection for a er ems transport service I havent been to the hospital since XX/XX/2017 and I have a collection agency trying to collect from me at the Same time I have been informed that my personal sensitive information including my medical records and information has been compromised and I have been reported as a true victim of identity theft and name fraud. XXXX XXXX XXXX XXXX and XXXX credit report agency have my information as being compromised to which it has caused me to be directly impacted by the Data breach from both Credit agencies and I have never been charged for a ems transport service from my medical insurance company. I have to say that I hope that being my information is compromised and I have been a victim of identity theft and name fraud due to the fact that the Data Breaches have me finding a new origin of Some type of collection agency trying to charge me for the debt that I have not obtained myself. I am sure that with the details from this information with the process to get my identity restored should be a source to be easily verified and we can make a decision in regards to the situation regarding my circumstances with my personal sensitive information and my medical records and information being compromised by the Data Breaches from two separate credit report agencies, should be a source to reach the proper resolution to this matter and I look forward to seeing the new collection of debt being removed from my credit report and I hope it will be rather sooner than later so we can get this matter of unfortunate events resolved in a timely manner and I appreciate your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: TX

Complaint narrative:
I have American Express Platinum credit card. This XX/XX/XXXX, American Express representative put an retention offer to my card without my request or permission at all. Then yesterday I called Americas Express to request a retention offer, because all my friends with American Express Platinum card have recently received a retention offer of either $XXXX statement credit or XXXX membership rewards points without any purchase requirement. However, very surprisingly I was told that I am not qualified for this retention offer because I was given a retention offer in XX/XX/XXXX. However, I never requested or accepted a retention offer in XX/XX/XXXX.Apparently American Express customer service representative put an offer in my account in XX/XX/XXXX but this offer never became effective. However, now I was incorrectly declined by American Express for the currently available retention offer that every other customer is getting from American Express. It is totally unfair to me. I feel that American Express put a trap in my card and use it as an excuse to decline the retention offer that is common available to every single card holder now.I request American Express to honor the current retention offer of either $XXXX  credit or XXXX   membership rewards points immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Regarding AmEx accounts that they shut down against my wishes, they have been harrassing many people who are not my spouse, and even non-blood relatives. The most recent call was on XX/XX/19 at about XXXX. As I understand the debt collection laws and regulations, other outside parties may be contacted only once in an effort to secure contact information in a credit.debt dispute. Despite being told by these outside parties that cant provide such info, an AmEx rep at XXXX has repeatedly called alternate numbers for the same outside parties in succession. They must be stopped and punished for harrassing outside parties in a matter that is entirely between me and them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland credit collections continues to call my number and call me XXXX. I have repeatedly told them1). I am not XXXX2. They have the wrong number 3). Stop calling They have not stopped.  They are calling the wrong number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX REPORTED ON CONSUMER FINANCE.GOV THAT XXXX XXXX XXXX BORN XX/XX/XXXX MEVER RETURNED MONEY STOLLEN FROM MY BANK ACCOUNT AT CITIBANK IN XXXX XXXX CALIFORNIA THEY FORCED ME TO CLOSE MY BANK ACCOUNT WITH NO FUNDES RETURNED CITIBANK WITED XXXX XXXX XXXX FUNDS TO XXXX XXXX XXXX XXXX AS A TESULT PF THIS XXXX XXXX XXXX NEVER GOT HER XXXX XXXX DOLLARS RETURNED XXXX XXXX XXXX DIED IN THE RESULT OF FRAUDING MY CITIBANK IN XXXX XXXX CA XXXX OFF 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 2019-08-16 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: Ocwen Financial Corporation
State: NJ

Complaint narrative:
PHH took out an LBI policy (lender Based Insurance) home owners insurance policy even though I/we have our own home owners policy.  Their action has caused our mortgage payment escrow amount to increase.  WE DO NOT OWE ADDITIONAL MONIES PER MONTH TO THE ESCROW ACCOUNT FOR HOME OWNERS INSURANCE!  WE HAVE OUR OWN POLICY WE PAY SEPARATELY!  We have on two separate occasions submitted proof of insurance.  They did not do their due diligence when merging certain department with a company called XXXX XXXX XXXX to verify ownership of separate homeowners insurance policies in our history dating back to prior to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with the same address. They stated they had a different address while all along had they done their due diligence they would have seen both addresses same loan number and documents corresponding to the same address as the insurance declaration proof of insurance.Since XX/XX/XXXX we have been trying to correct THEIR mistake via the phone. Numerous calls.  Most recently PHH has placed a derogatory report on our credit.  This has adversely affected our credit and our ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
After reporting fraud and suspicious activity since XX/XX/XXXX to boa at XXXX   XXXX XXXX XXXX XXXX va XXXX manager thru present on my accounts XXXX XXXX did a intense research into all my accounts after me making a complaint with the cfpb.I STILL DO NOT HAVE THE ORIGINAL XXXX bank of America  ACCOUNT SIGNATURE CARD WHEN OPENED XX/XX/XXXX as per XXXXAND I was also  promised by XXXXAn  ORIGINAL XXXX ACCOUNT SIGNATURE CARD OF XX/XX/XXXX.As per XXXX. I ordered a duplicate copy of my full complaint on bank of America to see if she had sent the promised crucial signature cards to the CFPB as she stated she did. I opened the cfpb package today XX/XX/XXXX after waiting all this time AND NEITHER ENCLOSURE IS IN BOA XXXX info sent to the CFPB as stated in her letter of XX/XX/XXXX to me and the Cfpb.I am requesting production of these documents be sent to me asap as promised by bank of America regulatory XXXX XXXX  .XXXX ncSend them certified so I have to sign for them XXXX XXXX  XXXX  XXXX nc XXXXXXXXAND FAX ME A COPY OF EACH OF THE ORIGINAL XXXX AND XXXX   SIGNATURE CARDS ON OPENING DATE OF THESE ACCOUNTS as promised since XXXX.My fax plus NUMBER IS 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 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
I requested on  XX/XX/2019 that Afni send me validation bearing my signature of a collection account that they place on my credit report claiming i owe XXXX Which i don't recall ever having an account that i owe XXXX to Afni nor XXXX. On XX/XX/2019  Afni sent me a letter of verification and not Validation bearing my signature . Included in this letter it was stated that the Current Creditor of this account is XXXX . On XX/XX/2019 i sent Afni another letter asking for the validation since they say that I owe them. ON XX/XX/2019 Afni did not provide me Validation once again bearing my signature. Also this Letter stated that the Current Creditor is XXXX and that Afni will now cease in further communication with me regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On or around XX/XX/19, I called Citibank requesting closure of two of my three accounts. I transferred the cash from the two accounts into a new Citibank Accelerate Savings with a higher APY. For some reason, one of my accounts was not closed. When I logged into mobile banking today, I noticed that the account balance was -$XXXX. It's so unfair that they charge me a fee for an account that I requested to be closed and that was at a $XXXX balance. When I called to get the account closed again today (XX/XX/19) the representative informed me that the charge is still pending and can't be either investigated or reversed until it's posted to my account, so I'd have to call back in tomorrow. When I asked them if they could just post it, she declined and offered the same solution. I'm extremely frustrated that 1) I've attempted to close an account and that it never happened. 2) I was charged a fee that brought my account balance negative.3) That the representative couldn't refund me $XXXX for their error.4) That I'd have to call back in to get the fee reversed. I'm not sure what your account agreement says, but it's unbelievably unfair that you'd charge a fee when the account balance is $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 monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I lost my job and yall got the car bk so y am I charged so much

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Hi,In XX/XX/2018 I was past due $XXXX to complete the XX/XX/2018 installment ( made $XXXX payment on XX/XX/18 ) I made a bookkeeping error and made a full payment of $XXXX. That full payment i made in XXXX was applied to the XXXX installment and i was shown past due $XXXX for the XXXX installment. I believe my credit has been impacted by late pays because of the way the funds were posted. Please help me correct this error as i'm trying to clear my name with Ally :) and my credit at the same time. Please call if any questions, i appreciate your help in advance.XXXX XXXX(XXXX) 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 2019-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Comenity Bank 12 month promotional (XXXX  XXXX)Invalid interest and fee charges: $XXXX total Last statement: Due Date payment XX/XX/2019 Owed $XXXXPayment of $XXXX went through on XX/XX/2019 Hello, I have been a XXXX XXXX customer for years now. 12 months ago we bought a set of wedding rings on a 12 month promotional plan, interest free. I have been paying my monthly payment on time every XXXX of the month to Comenity Bank (XXXX  XXXX Credit card Bank) since I am a good customer. When we bought the rings they explained to us that we would have no interest if paid in full by the last statement due date which was XX/XX/19. My payment on the last statement went thru on XX/XX/19 which is perfect according to the due date listed in the statement under "Payment Information." (Payment due date) I paid all my 12 statements on the XXXX of every month required by the due date.I spoke to their customer service department and they had said that the Real Due Date was in a small box in the middle of the statement page, and that box was not even on every statement only the last couple, which is a very deceptive way to have the customers not notice it. Every customer knows that the due date is under their payment information and that due date listed XX/XX/19. I believe this is very deceptive way for the XXXX XXXX customers putting two different due dates in the same statements.Comenity Bank which is the bank that gives out the loans to XXXX   XXXX, sent me a letter saying that the charges are valid and that they will not remove those charges. I claim that the "fees charged" and "Interest charge" be removed from my account.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Made 3 separate purchases in XX/XX/2019, totaling ~ $XXXX.  Never received a statement to my home or email.  I received an alert from XXXX XXXX on XX/XX/19 that my credit score dropped by 124 points.  I went through XXXX   XXXX to determine the potential issue as I was stunned by the news (my credit was great previously and has been).  I found a note that said 60 day collection Best Buy.  I logged into my Best Buy account and was surprised to see charges stemming from XXXX  when late fees of $XXXX/month + interest $XXXX.  I called immediately and told them I was surprised by all of this as I have not received any statements to my email or to my home indicating there was a balance or any late fees.  They told me they emailed me but it could have gone to a junk folder.  This is not acceptable.  The $XXXX is meaningless to me in terms of dollar amount and could have been easily paid.  This is a predatory action that is ridiculous as I cancelled the card while on the phone.

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 2019-08-17 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: NV

Complaint narrative:
best buy is reporting that this is a current account.this shows nthat this acct has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: FL

Complaint narrative:
Once again this debt does not belong to me. This is my second attempt to fix this issue. XXXX  has already removed this account after finding the results of their investigation inaccurate. My next step is contacting a lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I states in my loan modification agreement that I have 60 months to repay the escrow account. Specialized loan servicing changed the terms of an existing home loan with out my consent. They decided that 60 months was to long to pay back the Escrow shortage four months after acquiring the loan from XXXX XXXX XXXX. They increased the amount of my loan and told me that I short paid them even though i paid according to the agreement I had with the previous lender. I asked them to honor the terms and i was to that is not in their protocol and i would not be able to pay the amount 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 explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/2019, I went to use my Kohl's credit card at the store but it was declined.  Then my mom went to use hers to pay for the purchase. Hers was also declined.   A manager came over and stated the store declined it when we tried to use it in her presence.  I had to use another card to make the purchase but was entirely mortified by the fact my card was denied.  While I made the purchase with another card,  I was told I had to call Kohl's to address the issue.  When I  spoke with Kohl's oon the phone,  they said the computer automatically closed my account for inactivity.  When I questioned who authorized it,  I was told it was done automatically and no authorization was given.  I questioned why I was not notified and was told they me they don't notify anyone when they cancel the account. So obviously their policy is to close accounts and embarrass customers at the time of purchase by telling them in front of customers that their cards are declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
My ex-wife took my daughter to the eye doctor.  The eye doctor charged an exorbitant amount for a check up.  I paid the collection agency a reasonable amount and per TN law they have been paid in full as they negotiated the check. They are in violation of the law by reporting bogus information to the credit bureau in an attempt to make me pay an amount I do not owe and never owed.  My ex-wife took my daughter to the eye doctor not me.  I never agreed to pay any amount prior to my check dated XX/XX/XXXX for a charge from XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation