vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX and about a year ago I bought a bedroom set furniture from this store called XXXX XXXX they basically are similar to a XXXX store but have other items in which you need to have a contract for. I am not fluent in english at all ( In fact my niece is writing this for me as she knows English and is also a XXXX graduate ) so what they explained to me and what I later found out was in the contract don't match up. They basically told me that I had a period of 90 days in which I could pay a lower amount ( {$1200.00} ) for the furniture and it would be mine, if the 90 days passed I had to pay a higher price ( {$2500.00} ) making a payment of about {$47.00} dollars per week. I made an initial " downpayment '' of {$1100.00} which meant I had only {$150.00} left to pay then for the next four weeks ( clearly less that 90 days ) I made payment of {$48.00} dollars which even left me with a surplus of money of about {$40.00} but I didn't mind because that meant the furniture was mine and I no longer had to pay. However they kept making me pay claiming taxes and interest. I honestly did not count the payment and once added up, up until now I've paid {$2500.00} which exceed the original payment and also should not be with interest as it has not been a year ( they told me interest build-up after a year ). I also last month got a letter from acima, a debt collector, that told me I owed about the same amount of money and that I never made an initial downpayment. They contract also keep contradicting itself in many parts and is not accurate to what I was told. They made me sign the contract and 'translating '' the document to me, but I didn't know I was signing a contract for debt collection and money stealing so they scammed me out of my money. I don't wan na continue paying for something I've payed more than enough money for and when I made contact with XXXX XXXXl they told me it was not their problem and I should deal with acima which makes no sense as I was never informed of this. I spoke with acima and they told me to ask XXXX XXXX  about this debt because they have to collect it. It makes no sense and XXXX XXXX  tells me the only other way to solve the money issue is for me to return the furniture as it was like-a-lease which again they never told me it was that. Basically both companies have me going form one to the other without providing me a clear answer. This is no fair and I don't wan na seek legal help as I can't afford it. I honestly just want to not have to pay any of these companies anything, they can keep the money they've stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: GA

Complaint narrative:
Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. I am doing this on my own behalf.

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 2019-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Showing late payments as you was never late and file a complaint on the credit beaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 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: Jim Bottin Enterprises, Inc
State: AK

Complaint narrative:
I had a membership at XXXX XXXX in XXXX XXXX XXXX. After an initiation fee I had a monthly payment of around {$10.00} per month. I left XXXX  in XXXX and returned to my home in XXXX. I let the club know that I was leaving and I paid auto payments by credit card for XXXX and XXXX even though I was no longer in XXXX  and no longer using the fitness facility as I left XXXX  near the end of XXXX. The credit card I was using became lost and I canceled it. I began to get calls from XXXX financial sometime last fall wanting me to pay {$150.00}. They also refer to themselves as XXXX XXXX XXXX, XXXX. 

I believe not only that I shouldn't have to pay, but that I should get a refund for the months they collected payments for after I left the state. I really don't want to try to collect {$20.00} from them, but I strongly object to paying {$150.00} for services I didn't use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On on around XX/XX/2018, I contacted XXXX XXXX XXXX  to inquire about the balance on the account. I received a payoff statement in XX/XX/2018 stating that my balance was XXXX. I informed XXXX XXXX XXXX  that I am refinancing my home, and the payoff will be sent by the title company of the entire balance of XXXX. On XX/XX/XXXX, a check in the amount of XXXX was sent to XXXX XXXX XXXX. When I contacted XXXX   XXXX XXXX in XX/XX/2018, they stated that I still owed a small balance of XXXX dollars. I paid the XXXX dollars. I received information from the credit bureaus stating that I am 30 days late in XX/XX/XXXX on a card that was paid off in XX/XX/XXXX. The card was closed, so how can I be late on something that was closed. When I contacted XXXX  XXXX XXXX on or around XX/XX/2018, I spoke to a representative name XXXX who stated that the supervisors were going to take care of the error and report the account current because she was able to verify the account was paid in full in XX/XX/2018 when the check was received.

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 2019-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On on around XX/XX/2018, I contacted XXXX XXXX bank to inquire about the balance on the account. I received a payoff statement in XX/XX/2018 stating that my balance was XXXX. I informed XXXX XXXX bank that I am refinancing my home, and the payoff will be sent by the title company of the entire balance of XXXX. On XX/XX/XXXX, a check in the amount of XXXX was sent to XXXX XXXX bank. When I contacted XXXX XXXX bank in XX/XX/2018, they stated that I still owed a small balance of XXXX dollars. I paid the XXXX dollars. I received information from the credit bureaus stating that I am 30 days late in XXXX on a card that was paid off in XXXX. The card was closed, so how can I be late on something that was closed. When I contacted XXXX  XXXX Bank on or around XX/XX/2018, I spoke to a representative name XXXX who stated that the supervisors were going to take care of the error and report the account current because she was able to verify the account was paid in full in XX/XX/2018 when the check was received.

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 2019-02-14 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: GA

Complaint narrative:
Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. I am doing this on my own behalf.

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 2019-02-14 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: GA

Complaint narrative:
Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. I am doing this on my own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have 2 Direct Subsidized student loans and 2 Direct Unsubsidized student loans. I discovered them on my credit several years ago and I have asked Navient to provide me with all of the loan documents to prove that I signed for these loans more times than I can count. They have told me over and over that they will not and do not have to provide me with that information and that since I attended the community college they have listed then the loans have to be mine. I explained how I did go to that community college but I DID NOT request any loans. Then after I stated that to them they told me it was done electronically. I informed them that my ex-husband could have done all of this without my permission because I know for a fact that I never received any money from the community college. I have been able to get on an income based payment plan but I never even applied for these loans nor did I ever receive any money that they say I owe. How can I be responsible to pay for something when they can not provide proof that I signed for these loans. Just because I attended that community college should not be a valid way to prove that I was actually the one that signed for them. I want to see the documents that I signed for. I want proof that I signed and received the money. I filed chapter XXXX   and the loans showed taken in chapter XXXX and then all of a sudden they show current and not taken in chapter XXXX. How is this possible that they go from being taken in my chapter XXXX  bankruptcy to being a valid loan again? Something needs to be done about this. I don't even have a degree or a high school diploma. I am responsible for something I did not do and they refuse to show me proof. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
XX/XX/2019. The account was closed by bank. I'm just trying to get my money. Amount owed is {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: AL

Complaint narrative:
The company Halsted Financial Services calls me multiple times a day from multiple numbers. Sometimes 4 to 6 times a day. I have told them repeatedly to stop calling me because I am paying the debt because the company takes my state taxes every year. They become argumentative and still call me. I have threatened them with legal action multiple times and still call me. They call back to back from different Georgia area code numbers multiple times throughout the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My complaint is regarding City Bank. Citi Bank is reporting inaccurate and false information to the credit Bureaus. Citi Bank is reporting XX/XX/2018 delinquent to the credit bureaus. I contacted the Bank and spoke to a representative he went over the payment history with me I told him about the {$270.00} was debited from my bank account for the month of XX/XX/XXXX. The representative from Citi bank told me to send in my bank statement and a copy of my credit report and Citi bank will update this delinquency on my account. After sending the Bank what ever they wanted and proving them I made my payment on time they they didn't want anything to do with that information anymore. They didn't change their reporting even after the fact I've sent my Bank ststement.

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 2019-02-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
CFPB, My name is XXXX XXXX. My problem is : I have sent 2 house payments to my Mortgage Company ( Ocwen Loan Servicing, LLC ) At the time I submitted these 2 payments, I owed 4 total. It took them 2 weeks to send my payment back. I Re-submitted the payment, again. By this time, it took another 2 weeks to be returned, I now owed 4 payments. By NOW, they say I am 7 payments behind and owe ALL 7 payments or face for-closure. The are adding an additional payment that isn't even due until the XXXX of XXXX. I do not believe this is legal. I believe they are purposely lengthening the process by delaying the returned payments, trying to get me drowning in finance and additional charges in an effort to for-close on my house. Thank-you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/2018, Discover Personal Loans who is affiliated with XXXX XXXX XXXX gain unauthorized access to my personal XXXX XXXX Report without my knowledge or consent. 

Such violates both federal and state privacy laws and potentially violations provisions under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 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: GA

Complaint narrative:
I recently ran my credit report and i saw a couple of items on my report that i did not approve of. I need these items deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX. 
I contacted the FTC and my local police. I am doing this on my own behalf.

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 2019-02-14 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: DISCOVER BANK
State: CA

Complaint narrative:
Several issues here : Issue # 1 : I submitted payments latest one being XX/XX/2019 in the amount of {$1500.00} to Discover via the android app. My payment was taken from my bank and applied to the card but the card did not reflect the payment. I called discover to inquire about this and they said they had to " call the bank for verification the funds were sent '', I have an outstanding payment history with Discover and have NEVER missed a single payment. I use my credit cards to avoid Fraud potential issues on my bank card. When they lock my card down for 8 days ( to call the bank ) it creates hardships as I am scared to use my bank card at gas pumps. I have never heard of a company having to call the bank to get fund transfer verification. This has happened twice now both consecutively. They refuse to unlock the paid amount with the first tech and I always have to ask for a supervisor. I have NEVER seen any credit card company do this. This happened previously in XXXX, after 4 days I had to contact Discover to find out why my card was still locked, I was NOT waiting that long this time. If the money cleared my bank the funds should be available. 

Issue # 2 : When I originally opened this card with Discover it was secured due to poor credit history from my ex-wife. I was told my card would graduate in 7 months if I had a great payment history which I do. on the 7th month I called in to see if it graduated, I was told the initial graduation was 8 months. I called in XX/XX/XXXX which was the 8th month, they told me it was 7 months and did not graduate. I have made every single payment, sometimes 2-3 a month on the card, it has been 10 months and I am still on a secured card. I see many complaints online in regards to them not releasing deposits back to people but still qualifying them for a {$5000.00} un-secured card. When I inquired about paying off my account and closing it I was told it would be 70 days until my deposit would be refunded. If I have the account paid in full, deactivated where no more charges can hit it and I met my contract obligation my deposit should be released immediately ( yes I know it could take a couple of weeks to write a check and mail it ) but they are refusing. I feel like this is fraudulent actions on Discovers part as I was not notified of these things during the initial setup of my account.

I asked for a corporate number to Discover and was denied such rights. The customer retention department was very short and did NOTHING to calm the situation except offer to cancel my account as they said they were sorry to see me go ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX - I went into Citibank to open a checking and savings account with the offer to Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and within 30 days deposit {$15000.00} into the savings or checking account and maintain this balance in the account for 60 days. 
XX/XX/XXXX - I set up my inter institution transfer to transfer {$15000.00} XX/XX/XXXX - recommended Citibank to a friend and friend successfully opened account using my referral number XX/XX/XXXX - Returned to CitiBank realizing I did not yet receive {$400.00} offer. Banker stated that it was because my checking account was closed and I did not have sufficient funds. However, I was not advised by first banker in XXXX regarding amount that had to remain in checking. I was only told that I needed to deposit {$15000.00} into my savings. Banker then stated she could help me open a new checking to get the offer. 
XX/XX/XXXX - Received email from Citibank stating " Thank you for choosing Citi for your banking needs, and for your enrollment in the Citibank {$400.00} Checking Offer ( " Checking Offer '' ). Unfortunately, we have determined you have not fulfilled the Offer 's required activities for the following reason : Your checking account is closed and therefore not eligible for the offer '' XX/XX/XXXX - Returned to CitiBank regarding complaints, and banker ( that helped open second account ) advised to file dispute. I requested to close account so I can transfer my money to another bank, but banker kept advising to file dispute and wait again. 
XX/XX/XXXX - Have not yet received any communication regarding status

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 2019-02-14 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: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
XXXX XXXX XXXX has been reporting inaccurate information to credit reporting agencies, in regards to my Mortgage account. This issue has caused me troubles trying to refinance my mortgage for a better rate. They have been reportinting illegally 120 days late for XX/XX/XXXX and XX/XX/XXXX and inaccurate amount of the loan for more than {$50000.00} in excess. I have tried to solve this problem directly with them but They haven't corrected such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
On XX/XX/2019 my mortgage was transferred from XXXX to Mr Coopers. I made my XXXX mortgage payment to XXXX and they cashed my check and funds deposited in XXXX XXXX. When the mortgage was transferred my XXXX payment was supposed to have transferred. I waited till XX/XX/2019 to check my account at Mr Coopers and I found that my XXXX payment was not posted to my account. I called XXXX on XX/XX/XXXX and could not get past the customer service operator. The best that she could tell me was the loan and everything that went with the loan was transferred to Mr Coopers XXXX XX/XX/XXXX. I called Mr. Coopers on XX/XX/XXXX and again could not get past the customer service operator and all she could tell me was I owed {$620.00}. For 25 days of calling both company 's I finally Got a person to give me some direction on what to do. She told me she started a missing payment complaint. I told her I had Canceled checks of my payments as proof my mortgage payments were made. She told me to send copies and gave me the address. I sent copies to the address certified mail and they were delivered to that address on XX/XX/2019. As of today XX/XX/2019 I have not heard from Mr Coopers nor has my problem been fixed. I did Make another payment on XX/XX/2019 on bill pay to keep from getting a bad credit report. As of this date XX/XX/XXXX I show I should be paid up till Through XXXX next payment due in XXXX. Mr Cooper has me as being paid through XXXX next payment due in XXXX.

Company response to consumer: Closed with explanation