vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 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: CA

Complaint narrative:
I contacted XXXX XXXX about five months ago to complain about the fact that when they charged my account for a monthly minimum fee, separate from their high interest, separate from initial annual fee and application fee, etc., so as I protested the minimum fee even with a balance, paid-as-agreed history, never late, that this fee, usurious in my opinion, over-drew my line, thus resulting in a negative credit reporting trade line, which dropped my score 30 points. I told them to reverse the fee and report paid as agreed on my account. 

Then I called back again to inquire about my account status, around XX/XX/2019 the phone representative said she couldnt find the account, then transferred me to another department, then transferred again, with quite a wait on line. Once a representative came on line, XXXX, informed me account was closed due to fraud/suspicious activity. 

I was shocked because XXXX XXXX, 1. Never informed me my card was cancelled due to fraud 2. Never contacted me to inquiry about my account activity 3. Never asked about any transactions that may not be mine 4. Never informed me that the account was closed 5. Never informed me I had no open-to-buy 6. Never sent me an  affidavit to sign Then the customer service representative said I was to make a payment to keep the account from going delinquent, which I did and she took that over the phone, and said she was sending me a new account, with a new number ; to date, 1. Never received a card replacement 2. Never received a statement w/balance transfer 3. Never was asked to cut up/return or destroy my original plastic 4. Never received any correspondence summarizing their promises 5. Never received a physical statement showing my payment received and new balance, and what is in the  balance. 

TO DATE, I HAVE NO IDEA WHAT IS HAPPENING TO MY ACCOUNT, WHAT I OWE, PAYMENT REQUIRED, CREDIT LINE STATUS, CREDIT REPORTING STATUS. 

I have come to believe, they retaliated against my account for complaining about the initial over-limit status due to the monthly service fee.

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 2019-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
caliber home loans XXXX - Loan was originated as an FHA and on XX/XX/XXXX, as of XX/XX/XXXX I had paid the balance down to less than the 78 % as required by the FHA to remove PMI. I sent a letter ( enclosed ) to Caliber to have the PMI removed and they send back that is was. My payment went down the {$320.00} as you can see from the screen shots. On XX/XX/XXXX an additional {$940.00} was taken out as an FHA payment and even though I have been promised several times that either documentation of some kind will be send to me explaining why this was taken out or that the funds would be refunded nothing has happened. I have been promised several call backs from " senior associates '' that could explain what had happened but have yet to hear back. 

What makes this even worse is now the loan is being sold to XXXX XXXX services as of XX/XX/XXXX, and my concern is that they did this to keep from having to explain or deal with me on the missing ~ {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My Original loan was for the amount of {$12000.00} on XXXX of XXXX Started making payments in this loan on XXXX XXXX. for {$140.00} Today in XX/XX/XXXX Fifteen Years later still making monthly payments that does not bring this account to XXXX balance. 
IRS credit to Nelnet through College assist {$3100.00} on XX/XX/XXXX, XXXX I do not see this amount credited. 
Statements they send me are very confusing for they do not show transparency and clarity or simplicity .... I consolidate in one single loan amount and they send me today XXXX sheets that do not reflect my balance on the monthly bases. 
I believe I have paid this loan 3 times over, and I need a statement of paid off, and clear this high loans from the credit bureau. I need to collect a credit on my favor for over payment ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a letter from XXXX stating this account was closed and I would be receiving a refund. The account for some reason is still being reported on my credit report.

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 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was online reviewing cc statement when I did an online chat with XXXX id # XXXX. He said I could lower my rate to 10 % but no more purchases allowed and my recurring charges would stay and I can keep access to my points I've earned. He even said I should get a gift card with my points. Two days later I had zero access to my point and my account was being treated as I was in collections. I called back requesting it back to normal and multiple agents said yes we will fix. I keep calling back and they say I'm denied and they pulled my credit. I did not give permission for them to do that. I've never been late and the points I've earned are gone. They on my last but XXXX call they XX/XX/XXXX they would escalate it and have management call me back. Today I get a call from an agent XX/XX/XXXX leading me that he is the escalated manager and they at the end says Im the XXXX the guy you spoke with ... very shocking and I said fix it. He said no. I said why did you just miss lead me. He did not care! You told the wrong info and all he could say is call the rewards center he don't know now. I just cant understand why this is happening. I would never give up points I've earned. Its like a ha ha we got you. I've never been late either.

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 2019-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a call from a man claiming to be from a courier service. He said his name was XXXX XXXX. He asked to speak with " name ''. I did not confirm if I was the person he was looking for, I simply asked : " What is this regarding? '' He said he was looking to deliver a sealed document to a former address. He said he was hired by XXXX and XXXX to deliver a sealed document. XXXX XXXX gave me a case number and an 877 number to call to get more information but they were an " arbitration firm. '' This call lasted approximately 2 minutes. 

I called the 877 number and " XXXX XXXX '' answered the phone. I told him about the previous call and gave him the case number provided to me by XXXX XXXX. XXXX XXXX told me it was a " wage garnishment for {$1900.00} '' from Citi Bank with a court date of XX/XX/XXXX. He never gave me a case number, nor a state in which the case was pending. I informed him that I didn't go by the name provided anymore and I had paid the debt in 2015. He quickly hung up on me. The entire call lasted 47 seconds. I called back several times only to be hung up on 3 times. I left a message demanding a callback or I would file a complaint with the bar association. I attempted to call back two more times only to be immediately transferred to voicemail. The " firm 's '' website is lacking any identifiable information except an address in Washington D.C.

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 2019-04-24 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: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
In XXXX of XXXX I opened a credit card ( via XXXX XXXX XXXX XXXX XXXX XXXX ) with XXXX ( XXXX Credit card company ) with a credit line of {$4900.00}, I charged {$3900.00} to the card in XXXX of XXXX and paid this card in full in XXXX of XXXX as I sold a house towards the end of XX/XX/XXXX which is where this fireplace insert was installed. In XXXX of XXXX I got a letter from XXXX stating that I had access to use my card through XX/XX/XXXX and after that the card would be closed. I have been trying for 2 days now to make a purchase using this card and am being told 2-3 different stories depending on who we are speaking with. They  are stating I have not used the card in 2 years therefor they had to re-pull credit to be sure I was still worthy of using the card, which was then declined. Then they told me my card has been inactive since XXXX of XXXX, which CLEARLY not 2 years since it had activity on it ( which I was NEVER notified of or I would have used the card right away to keep it active ) It has NOT been 2 years since there was activity on the card, it has only been just over a year. Then we were told that there was a glitch in their computer system and the cards were mistakenly closed 2 days early and that the account has been activated and to go ahead and charge the card. We tried and it failed ... .we have been on the phone with XXXX for well over 2.5 hrs trying to get this resolved. My letter clearly states I have until tomorrow to use the card and they are denying me access to my already existing account. There has been a minimum of 6 phone calls to this company trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 22 and 23 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
In XXXX and XX/XX/2019 I began receiving notifications from credit monitoring service that a collection agency Contract Callers Inc., had added a negative account to my credit file. This was for a XXXX phone account claiming I owed over {$1300.00}. 

On XX/XX/2019 I contacted Contract Callers via phone @ XXXX. I informed the person that my debt with XXXX had been canceled. I was calling to ask that they remove this negative information from my credit file. 

The person I spoke with stated they would accept payment. She also stated she was representing XXXX and suggested if I had any issues or concerns that I call XXXX. 

I informed her that they were about the 2nd or 3rd collection agency that had attempted to collect this debt. Both of the other companies deleted the debt because there was no valid contract. 

I asked for validation of the debt since they were claiming to represent XXXX. She said if I had any issues, I should contact XXXX. I informed her that I would be filing disputes with the credit agencies and they needed to show a contract existed and verification of the debt. I then hung up very upset after this call. 

I filed the dispute days later stating the debt was cancelled with the original creditor, NO Contract and because this was a cell phone bill, the federal statue of limitations of 2 years has been reached ( This claimed contract would be approximately 4-5 years old ). Contract Callers returned a response today with XXXX stating the debt was valid and this debt remains on my credit file. I also filed the same dispute with the other 2 major credit reporting agencies. 

Contract Caller 's has not provided any contract or validation. They also have falsely stated this debt is valid. This appears to be their tactic with consumers to try and force them to pay these collection debts that they have procured. As a consumer, we are left helpless to these unscrupulous practices. They currently have over 150 complaints filed with the XXXX XXXX XXXX. As a consumer, I am asking for your assistance in getting this " collection agency '' to accurately validate and report debt to the credit reporting agencies or no longer be allowed to practice as a business with access to consumers credit files.

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 2019-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a letter from XXXX stating this account was closed and I would be receiving a refund. The account for some reason is still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/2019, I discovered that I was a victim of identity theft. I logged into my Capital One account and realized that all my information had been changed to someone else 's. My cards were turned off without giving me notice and they promised they would send new cards. The new cards were then sent to the fraudulent address. After spending hours on the phone with Capital One, I was able to have them send me new cards to my correct home address. This took over a month to get new cards after their errors. I reported the fraud to them and they promised to remove it from my credit reports however they have not. I also attempted to file a police report, however no one called me back to take my information. I have also had a XXXX card opened fraudulently in my name. I have placed a credit freeze on all my credit reports, however my score has dropped 22 points and I feel it is completely out of my control.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 90 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 22 and 23 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Receivables Group, Inc.
State: TN

Complaint narrative:
Healthcare receivables group, XXXX XXXX XXXX XXXX # XXXX XXXX TN XXXX. Was contacted about the alleged debt. Demanded validation and demanded they send me a written bill. They refused and reported it to credit reporting agencies. 

Don't know if I owe this debt since they won't validate but my credit score has dropped over 50 points because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX  and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3, 9 and 10 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Repeated phone calls and leaving messages that its a debt collection call because of deficiency, asking personal questions about me as a person in my place of employment, spoke with other staff member in my place of employment, leaving threats in my phone, sent a threatening letter.

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 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the EDUCATION and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3, 9 and 10 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
We purchased our home in XXXX CT in XXXX with a XXXX XXXX. In XXXX we refinanced with XXXX XXXX  via a local real estate company, XXXX XXXX. Mortgage was assigned to XXXX In XXXX and to GMAC in XXXX. We refinanced with XXXX  XXXX XXXX in XXXX and paid off that mortgage in XXXX. We are applying for a Home Equity Line of Credit and can not qualify because GMAC never filed a release of that mortgage when it was refinanced with XXXX  resulting in an old lien on the home. Attorney who handled all transactions is dead and his records from that time dont exist any longer. We have no proof of payment to GMAC. XXXX says its not their problem. Title Insurance cant cover since its a mortgage we imposed. GMAC doesnt exist anymore and XXXX, who took them over, hasnt responded to request to research/inquiry. We have a real estate attorney who is exploring options to resolve but as yet he hasnt met with success.

Company response to consumer: Closed with explanation