vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
I do not have or had a account with Diversified consultants. I had a account with XXXX there client and I dont owe XXXX anything. I paid my bill for the month of XX/XX/2018 and canceled my service and went with XXXX XX/XX/XXXX even ported my number over to XXXX. Instead of sending me a refund they sent me a bill for a service I was not using and canceled. But now Diversified consultants has put it against my credit even though I dont owe anything. I want this to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TN

Complaint narrative:
In XXXX of 2018 I chose to upgrade my XXXX for a XXXX XXXX phone. They stated that I would have 14 days to return the device if it did not work out. Well I did just that. The device had called 911 multiple times, and would freeze, lock and shut down. So on XX/XX/XXXX I returned the device after having issues with the local XXXX stores in Washington saying they couldn't accept it since it was an online order return. I returned the device per their smart label return envelope. I got multiple notifications that if the original device ( XXXX ) was not returned since it was a trade in, that I would be charged. After an amount of time they wound up charging me FOR THE XXXX, despite the fact that I told them I was using it which they could clearly see because I returned the other XXXX phone due to the issues. They said that they had not received it back yet and continued to charge me for the monthly fee for the XXXX phone as well. This caused my bill to just keep creeping higher and higher. There was MULTIPLE cases submitted to try to " fix '' it. I spent hours on the phone with different people and at the end of the day it was still not resolved. So in XXXX of 2018 they shut my service off for non-payment because they had charged me hundreds of dollars I DID NOT OWE THEM. The tracking showed the phone was picked up. They told me verbally the phone was in their system, but that another department had to " refund '' the account for it. So finally when the account was officially closed, they also charged me for the remainder of the XXXX phone that I didn't even have since it was in their possession. They then continued to try to collect the money, yet I do not owe them well over {$1000.00} of what they are trying to charge me and collect on. Then despite everything, they never tried to rectify the account and sent it to collection. I never got notice of the collection from the collection agency, and now the agency is reporting on my credit also trying to collect money NOT OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: DC

Complaint narrative:
I have requested a statement of the bill showing the amount that is in collections that I owe, but have yet to hear back from them and they consistently report to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
When I set up autopay for the XXXX XXXX credit card through Bank of America, I was presented with four options : 1. Amount Due 2. Minimum Amount Due 3. Account Balance 4. Fixed Amount I selected Amount Due, thinking I would pay the entire balance due. Rather, I was charged the minimum amount due, and was charged interest on top of that. 

Essentially having two options to pay the minimum amount due using different phrasing is misleading and to me, which I see as an intentional way for the bank of trick the customer into paying interest. 

I spoke with an associate to reverse the charges, and they agreed to do so, but as a principal of the matter, it shouldn't be this confusing to set up autopay. I would like for BoA to change these options so that future customers aren't scammed into paying an interest fee, especially when the customer 's initial intention was the pay the balance in full.

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 2020-03-15 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: NJ

Complaint narrative:
I have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So i sent the letters certified. The same letters just certified. 

My reason for contacting experian was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So I sent the letters certified. The same letters just certified. 

My reason for contacting them was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
In XXXX Comenity bank closed an existing account I had with them after I applied for another with them. The first being a XXXX credit card and the second being a Sony card. They did so did to my number of inquirie sI suspect, but it is unknown at this point as they gave me numerous invalid reasons for closing the XXXX card and denying the Sony card. Now my report shows that I opened and closed 2 accounts with then when it was only one. They have refused to remove the second one and now my age of accounts is suffering adversely. Please help me resolve this horrible customer experience. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
( 1 ) Navient did not apply the recent payments of {$680.00} of the page 2 of Pre-Lawsuit Letter-Attachment and created a fraudulent statement on page 3 of Pre-Lawsuit Attachment with late fees. See Pre-Lawsuit Letter-Attachment. 

( 2 ) In spite of previous five ( 5 ) requests, Navient refused to provide any accounting details how my payments applied after XX/XX/XXXX. 

( 3 ) In spite of previous five ( 5 ) requests, Navient refused to correct balance of student loan, as reported to all credit bureaus. 

( 4 ) In spite of previous five ( 5 ) requests, Navient refused to provide all texts of my phone authorizations to Navient, since XX/XX/XXXX. 

( 5 ) Navient refused to provide legal documents for its Legal Standing to collect payment of my student loan, in view of securitization and resecuritization of student loans. 

If all five ( 5 ) items are not provided by Navient on or before XX/XX/XXXX, I will be forced to file a lawsuit in Federal Court in Central District of California ( CDL ), XXXX XXXX on or before Wednesday XX/XX/XXXX seeking all damages under the law and attorney 's fees against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: NY

Complaint narrative:
I have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So I sent the letters certified. The same letters just certified. 

My reason for contacting them was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Sent letter to CONTINENTAL CR XXXX notifying them that my XXXX  credit report showed an unauthorized hard inquiry they had made on XX/XX/2020 and that I was not aware of this inquiry. I requested that the inquiry be removed immediately as this inquiry has been cited as a reason for me not receive credit. I also sent a copy of my credit report showing the inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: NY

Complaint narrative:
I have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So I sent the letters certified. The same letters just certified. 

My reason for contacting them was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these credit inquiries to be pulled from my credit profile. Additionally, there are some names that I don't recognize on my personal data, and I did not file bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: MI

Complaint narrative:
XX/XX/2020, BSI Financial Services purchased my mortgage. My homeowner insurance payment was due in XXXX. They did not pay it. I called and informed them of the situation, and told them I would hold the liable for anything that happened to my house while the insurance lapsed since it was their responsibility. My insurance agent ( XXXX ) contacted them and sent them the information to get the payment made. I was told by BSI that I needed to do nothing else and that it would be taken care of. 

XX/XX/XXXX, I receive a letter from BSI dated XX/XX/XXXX, stating that they are going to purchase homeowner 's hazard insurance since my insurance expired. I spoke to " XXXX '' from BSI and explained to him that this was supposed to be taken care of and that they have control of my escrow. I asked why they didn't do it and was put on hold while he called my agent. I was then told it was because I didn't sign a paper as required by my insurance agent. I conference called my agent with " XXXX '' on the line. My agent told " XXXX '' that he was lying and that he just called and was told they have a record of sending the required information to BSI in XXXX and have been trying to get them to release the funds. Now, since BSI did not pay my insurance on time, I have to reapply and my house insurance is going up approximately {$190.00} / year. My agent said it would not have gone up if BSI paid when they asked and when they were supposed to pay and not allow it to lapse. 

I called " XXXX '' back and explained in a heated conversation that BSI owes me the {$190.00} dollars since they failed to pay the insurance from my escrow. He relented and agreed. I asked for documentation stating this and he did not agree to that nor have I seen any documentation. 

I checked their website, and my escrow still has the funds for my insurance company listed even though they were supposed to overnight a check to reinstate my insurance. 

Please help. 

My insurance agent is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX My mortgage company is : BSI Financial Services XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: NV

Complaint narrative:
These are not my accounts nor did I authorize these merchants to conduct an inquiry. Also, there are names and addresses that I don't recognize on my profile.

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 2020-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
I received a credit monitor alert for things I have no knowledge or applied for. I contacted XXXX XXXX, XXXX, XXXX and AFNI collection company about fraudulent accounts being on my credit report. Someone obtained a phone account with XXXX XXXX XXXX XXXX in the amount of {$290.00} in XXXX of XXXX. It was removed from my credit reports with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX after my complaint and report of identity theft and now the exact same charges of {$290.00} from XXXX XXXX XXXX is back reporting through another collection company called AFNI located in Florida. I want these unauthorized fraudulent accounts to be deleted. I have filed numerous complaints but yet, AFNI and XXXX XXXX XXXX continues to attempt to collect a debt that is not mine and not owed repeatedly putting it back on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So I sent the letters certified. The same letters just certified. 

My reason for contacting them was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these credit inquiries to be pulled from my credit profile. Additionally, there are some names that I don't recognize on my personal data, and I did not file bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts, nor did I authorize these credit inquiries to be pulled from my credit profile. Additionally, there are some names that I don't recognize on my personal data, and I did not file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: NV

Complaint narrative:
These are not my accounts nor did I authorize these merchants to conduct an inquiry. Also, there are names and addresses that I don't recognize on my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts nor did I authorize these merchants to conduct an inquiry. Also, there are names and addresses that I don't recognize on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
Sent letter to XXXX/CONTFIN notifying them that my XXXX  credit report showed an unauthorized hard inquiry they had made and that I was not aware of. I requested that these inquiry be removed immediately this inquiry has been cited as a reason for me to receive credit. I also sent a copy of my credit report showing the inquiry. The letter was sent to the following address : XXXX/CONTFIN XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, DE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: AFNI INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was denied credit and received a copy of XXXX  credit report. It showed an open balance with XXXX, XXXX of {$440.00}. I know I paid this account off. I called XXXX and that said my account was transferred to Afni, Inc.

I called Afni, Inc. They told me my account was paid in full and they will send me a receipt. I put in a dispute with XXXX while I waited for the receipt from Afni, Inc. 
On XX/XX/XXXX, XXXX  said they finished their investigation and XXXX said the information on my credit report was correct and I stilled owed {$440.00}. The disputed item remains on my credit report with out any changes. 
I submitted a second dispute with XXXX  and provided a copy of the receipt from Afin , Inc. showing that my account with XXXX  was paid in full by their authorized collection company. 
On XX/XX/XXXX XXXX  sent me my dispute results stating XXXX XXXX said information on my credit report is still correct. I owe them {$440.00}. the item will remain the same. Yet I have a receipt firm Afin, I spoke to an XXXX  Rep and they all told me I do not have an open account with them nor do I owe them any money. My account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I paid in full upfront for one year of service for my rental property with XXXX. That service was completed on XX/XX/XXXX. Then in the fall of XXXX, I receive a call from XXXX asking for payment for the fall treatment. I told the lady, I paid for the one year service and was finished with my service. I did not ask for or authorize XXXX to go back out to the property after my paid in full service was completed. She put me on hold, had a conversation with someone, came back to the phone and said she understood and would write it off and take care of the {$70.00} charge. Fast forward to XX/XX/XXXX. I now see on my credit report as a collection. I never received anything in the mail asking for this money. Only the phone call and I was under the impression the bill was writen off because I did not order the treatment. As you can see from my credit history, I have a very high credit score and pay my bills ontime, everytime. I never would have let {$70.00} go to collections. This is very disturbing to me that a service can be charged to me that I didn't ask for, then send to collections with no written notice to me along with a verbal conversation with the company saying they were sorry and would take care of it. Please have this collection removed from my credit. Thank you

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