vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Access Capital Services, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXXACS sent letters to me at an incorrect address attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I finally became aware of the late fees in XX/XX/XXXX. I contacted ACS, gave them my insurance information and the debt was paid in full. In XX/XX/XXXX I  again received a notice saying I owed a debt to XXXX XXXX XXXX XXXX for the same incident. I called my insurer at the time of the incident and got the reference number for the payment made to ACS. I contacted ACS and gave them this reference number as well as the information of my secondary insurer at the time. Once again in XX/XX/XXXX I received a notice saying I owed a debt to XXXX XXXX XXXX  for the same incident. I spoke at length with two different people at ACS ( XXXX XXXX & XXXX ... see attached phone records ). I explained to them in detail what was happening and they claimed that they could not find any information in their system that matched my name or social. I was assured that the matter would be looked into & resolved and that I would receive a call back. I never received any follow up correspondence and now they have posted a collections account to my XXXX credit report ( see attached screen shot ) causing my score to plummet 51 points overnight. 
I called again today and spoke to another manager ( XXXX ) who treated me as if my frustration was somehow unjustified, denied that the company had dome anything wrong and told me once again that she could find no account that matched my information and told me that I would have to prove to her that they had reported something false on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are credit inquiries on my credit report that I didn't authorize. This has been an ongoing problem that stemmed from Fraud about 6 years when I filed a Fraud Report with this credit reporting agency. 

My credit report is noted : MUST CONTACT BY PHONE TO VERIFY IDENTITY. I just recently had another Fraud Alert attached to my credit report about one month ago and I continue to get hard inquiries.

There are two inquiries both from : EXPERIAN CREDIT REPORT  UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXXXXXX XXXX XXXX   XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX XXXX   CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX-XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ

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 2018-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MSV RECOVERY LLC
State: IL

Complaint narrative:
I had several issues with Upstate Services ( https : //upstateservices.net/ ). 

I returned several calls and voicemails on XX/XX/18 from them ( left both on my cell phone and on my work phone the prior week ) and requested a written validation of my debt, which I was told was a " waste of their time '' since I would not pay anyway. The company also called several family members and friends, stating to some of them they were making a final attempt on a complaint against me before turning it over to an attorney. The company also left a voicemail stating this in one instance. On a second call that day with the company, I asked for them to confirm the phone number of their company. The individual I spoke to refused because I had already called them back and had the number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX. 
you have is wrong again! its not XXXX XXXX XXXX XXXX, XXXX XXXX XXXX name identification number XXXX and XXXX is wrong! 
Still have XXXX XXXX credit card, XXXX XXXX XXXX Credit card joint account with XXXX XXXX, 2 accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX joint account with XXXX XXXX. for the 5th time XXXX XXXX stole my identity. He opened these account using my identity. He posed as me to open these account. I never opened these account. I received a letter from you Experian that you took off XXXX XXXX i uploaded this on file its still on my credit report you failed to take it off. You also stated in a letter you received my information about identity theft so why the fraud and identity theft still on here XXXX and XXXX XXXX fixed this and not no long reporting this but you are. I uploaded this as well.

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 2018-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Intermex Wire Transfer, LLC
State: SC

Complaint narrative:
I sent a transfer of {$200.00} on XXXX XXXX. I only found out the money was not claimed in the month of XXXX of XXXX, 7 years later. I am attaching the receipt of my original transfer. Now when i find out that the money was not claimed the company states they have tried contacting me all this time. I have always had the same address and I haven't received anything from them until now. they want to only return an amount of {$57.00}. I am requesting the original amount be returned to me of {$200.00}. i not more for interests for holding onto the whole amount all this time. I would love for this issue to be solved as soon as possible and not let any more time drag on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a interest free 24 month credit card with Best Buy and after the 24 months they are charging me back interest from the date 24 months ago, I was told the credit card was interest free for 24 months and now Citibank Best Buy is trying to charge me {$3700.00} in back interest.

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 2018-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NH

Complaint narrative:
I signed up with Caliber Home Loans via a mortgage broker in the State of New Hampshire. During the application process I asked both the mortgage broker and Caliber directly if there were any fees associated with making a payment online. They stated that there were no fees to make a one time or regular payment for my mortgage so long as the payment was made on time and not returned. 

Today, I attempted to make my normal mortgage payment, and I was notified that I would be charged a {$3.00} fee as of XX/XX/2018 for a single payment online. This is an unfair fee that was not disclosed to me in my original mortgage process. I feel that this fee is absolutely unfair to the consumer, and should not be legal without disclosure in order to protect consumers. What is to stop Caliber Home Loans from increasing this fee substantially? I should not be charged to make a simple payment online, especially after confirming that no fees would be applied with my broker and with Caliber Home Loans prior to engaging in the loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
A company called XXXX XXXX continues to call both my husband and I claiming we owe money from an old payday loan. We know that we do not owe any money but they will not stop calling and harassing us. They use many different phone numbers or call from block numbers, most recently this number : XXXX. They claim to be needing to get me papers for a lawsuit but won't give me any specific information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Case # XXXX I received a response from the company stating that my payment was returned to my bank and the dispute was closed. They did not provide any documentation to show this and my bank has no record of the return. I had my bank on the phone to call them and received no answers other than they were going to reopen the dispute and would let me know. We are now over 2 1/2 months waiting for XXXX XXXX to locate my large payment and it seems we are back to square one. This companys practices need to be examined because they seem very confused and disorganized. They dont appear to be a company who should be handling peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I am in the middle of a home loan purchase and Southwest Credit Systems reported a collection account for XXXX with no notice at all. I have not received a single notice or opportunity to determine if the debt is valid or not. I recently changed plans to be on the same plan as my employer and I paid all presented bills. I should not have any balance. I have no idea what this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Ameritech Financial
State: FL

Complaint narrative:
I was given the wrong information by Ameritech Financial. They said that my monthly payments to their loan forgiveness plan that they said would make it cheaper instead of what I would be paying for XXXX XXXX would be going to the loan. Plus they said now that they had the loan forgiveness plan with me that I would be paying less and not paying interest and if I went back to school and got a second degree and a better paying job with the government or state that my forgiveness would be even lower. None of my payments went to my loan and I found out the fee they charged me in the beginning to sign up was not even a fee I would have gotten with XXXX XXXX if I did the forgiveness plan with them instead. Where was my money going to if it wasnt for my loans?

Company response to consumer: Untimely response
Consumer complaint received 2018-07-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are credit inquiries on my credit report that I didn't authorize. This has been an ongoing problem that stemmed from Fraud about 6 years when I filed a Fraud Report with this credit reporting agency.

My credit report is noted : MUST CONTACT BY PHONE TO VERIFY IDENTITY. I just recently had another Fraud Alert attached to my credit report about one month ago and I continue to get hard inquiries.

There are two inquiries both from : XXXX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/2020 Mortgage Reporters XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX via XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX , MO XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX EQUIFAX CREDIT REPORT UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX, {$760.00} deferred interest charge. I spoke with 2 representatives on XX/XX/XXXX and I was told the deferred interest could only be waived if I paid the balance in full. 

In XX/XX/XXXX, I went to a dentist and was offered Care Credit because I did not have insurance. I was told by the dentist it was interest free and they paid the interest. Neither she nor her office personnel explained to me that I would have to pay deferred interest if balance was not paid in full, nor was I ever explained to about any promotion. I am a XXXX citizen on limited income. My XXXX statement shocked me when I saw what I was charged for interest from the time of purchase when all along I thought the interest was paid. I would have never accepted this offer if I knew this from the beginning. I truly believed when I was enrolled what the dentist told me, it was interest free.

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 2018-07-31 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On my experian credit report there are some inquiries that I did not authorize and that I would like removed and are as follows : 1.XXXX XXXXk / XXXX XXXX 2. XXXX XXXX/ XXXX XXXX 3. XXXX XXXX/ XXXX 4. 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 2018-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
On XX/XX/2018 I reached out to my mortgage company for assistance because of loss of income. I was working a XXXX XXXX and it ended in XX/XX/2018, so I fell behind on my mortgage payments. I reached out to XXXX XXXX XXXX XXXX and they were willing to assist me during my hardship. We contacted Carrington Mortgage Company to confirm they would work with XXXX XXXX XXXX. They said " YES '' they would work with XXXX XXXX XXXX. On XX/XX/2018 Ms. XXXX from XXXX XXXX XXXX contacted me to let me know that XXXX XXXX  wanted to assist also and it would leave me with a balance of {$3300.00} to bring my account current. Yes, I felt XXXX had answered my prayer, finally help to get back on track. Ms. XXXX asked me to come into the office on XXXX XXXX so we could Speak with Carrington Mortgage about our plan to get the mortgage current. The Representative we spoke with was very negative, saying they could not accept our payments and my home would be going in foreclosure. I thought Mortgage Companies should be helping people stay in their home instead of trying to foreclose. Carrington agreed to working with XXXX XXXX XXXX XXXX and now they refuse the payment so that they can foreclose on my home. I have never seen anything like this in my life. It's cruel for Carrington to foreclose on my home after they claimed they would work with me. It's obvious they do not have consciences. I do not want to lose my home. Carrington, why are you refusing payment when you agreed to working with XXXX XXXX XXXX? This is so WRONG!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: PA

Complaint narrative:
On XX/XX/2018, I sent a letter to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX requesting validation of debt, of which none of the aforementioned companies have complied with my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I believe I am a victim of identity theft. I placed a Fraud Alert on my credit reports this morning ( XX/XX/2018 ) and I filed an FTC Report on the same day as well. Together with my supporting documents such as Drivers License, SSN Card, Utility Billing and FTC Report, I was trying to send EXPERIAN a letter requesting them to block fraudulent items on my report. I tried faxing them the documents but the fax always returns " Failed to send ''. I tried doing this 3 times today and I get the same frustrating result. 

I called their Fraud Department and ask for the right fax number and they say THEY DON'T HAVE A FAX LINE. They ask me to go to their online portal to upload the documents. I went to the page, input all the vital information they required and uploaded the documents I wanted to send but the portal returned " WE'RE CURRENTLY UNABLE TO UPLOAD YOUR DOCUMENTS ''. I checked all the files I uploaded, they are within the right file size and format. So I tried doing it on a different browser, XXXX XXXX, but still FAILED. I tried it on XXXX XXXX and still FAILED. It's really frustrating to work with EXPERIAN. I called the Fraud Department again and notified them that their ONLINE UPLOAD PORTAL IS NOT WORKING. They are insisting that I mail them the documents which is really expensive and will take 30 days for them to respond to. 

I am trying to take action on a case of IDENTITY THEFT and I don't feel Experian understands the urgency of somebody in this situation. Why won't they have a working Fax Line and why is their supposedly " easy '' online upload portal is not working for everybody??

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 2018-07-31 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 been a victim of identity theft.

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 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/2018, I sent XXXX XXXX XXXX a certified letter with return receipt asking them to validate a debt they had listed on my credit report. They received it on XX/XX/2018 and never responded within the 30 day time limit. To this day, they have not validated the debt by sending me documenation showing that the debt is mine and they continue to report negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: WA

Complaint narrative:
There was a fraudulent charge that appeared on my XXXX XXXX  credit card in XX/XX/XXXX. I reported this fraudulent charge and disputed it with the merchant. The charge was removed and the account balance was XXXX. However, the creditor never stopped the negative credit reporting. I've contacted them four times, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They told me they received my dispute letter and told me over the phone on XX/XX/XXXX that the charges were removed from the account and I don't have any outstanding balance. The creditor never sent me the letter about the resolution of the fraud case in writing. I checked my credit report again on XX/XX/XXXX and I still have a negative credit report from XX/XX/XXXX to XX/XX/XXXX. I disputed with the Transunion credit bureau 3 times in regards to this inaccurate information and they have failed to thoroughly investigate this case and obtain any information from the creditor as to why the account is showing delinquent for 120 days. I contacted Transunion in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My complains are not resolved and XXXX Credit card has not fixed the inaccurate reporting in my credit report due to fraud as they promised. They also failed to sent me the resolution letter for the fraud case and resolution to fix the negative credit reporting on my account. The account is closed to to fraud but the negative delinquency is still remaining on the account. This is unfair.

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