vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I spoke with XXXX in XX/XX/XXXX and XX/XX/XXXX 2018 about removing the 30 day late. After a conversation with the woman she agreed to remove the 30 day late. I noticed in XX/XX/XXXX this still was not removed and reached out to XXXX. they said they had assured me it was removed and to wait for the credit buruea department to update. Following up in XX/XX/XXXX I wrote a letter to have the said item removed. I just received a response stating that the item is accurate despite numerous conversations with them stating they had it removed from the credit bureau. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 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 spoke with barclays in XXXX and XX/XX/2018 about removing the 30 day late. After a conversation with the woman she agreed to remove the 30 day late. I noticed in XXXX this still was not removed and reached out to XXXX. they said they had assured me it was removed and to wait for the credit buruea department to update. Following up in XX/XX/XXXX I wrote a letter to have the said item removed. I just received a response stating that the item is accurate despite numerous conversations with them stating they had it removed from the credit bureau. Please help!

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 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My Membership Rewards account seems currently being locked without any notice that prevents me from transferring points to an airline partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
On XXXX XXXX XXXX 2018 my dog was attacked by a pitbull in an incident that left her XXXX XXXX XXXX. The vet said XXXX would be required and I did not have enough money in my savings so the vet assistants offered me care credit and gave me a pamphlet about it. The pamphlet stated that I would have 6 months interest free on purchases and afterwards a 26.99 apr rate. This wasnt too different from my other credit cards so I naively agreed to it before reading care credits reviews. I took the offer and put {$1000.00} on credit from the vet bill. I payed the minimum monthly payment the first 6 months and expected the monthly interest afterwards to be $ 20- {$30.00}. After 6 months my payments had brought my balance down to {$810.00}. Then the FIRST statement after the 6 months were up came back with a whopping {$130.00} interest charge on purchases. Bringing my balance to {$940.00}. Almost back up to what I initially owed before payments. First of all the pamphlet said the first 6 months were interest free. So either this company was overtly lying on their advertising or charged me incorrectly. Either way it is very disingenuous to not be clear to consumers as to what they are signing up for when they sign up for this card and outright predatory to do this to people who are in need of medical care for themselves or their pets. I would of happily applied for a reliable company like chase credit if I had known this would be the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Madison Management Services, LLC
State: KY

Complaint narrative:
There are serious errors in how this company tracks its accounting. Several of my payments going back to XX/XX/2016have not been factored in to the current balance. I have not had any of my payments applied to the principal balance in 7 months. There are no associates that understand the data presented on the website and I can not get a copy proof of what the new fees are that I am being charged. 
My entire account needs to be audited for errors going back 3 years and Im looking for someone who has the authority. If this is not resolved I will take it to a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had two checks written as part of a canine adoption transport. The adopter was to reimburse me immediately upon transfer of pet but failed to do so. My checks never cleared. Recently this year, I psid both checks off for XXXX XXXX in full Amount and after receipt their Collections Agent promised to report both check debts were paid. That was not done. At this point I have paid my debt in it's entirety and should have that noted and updated!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: AZ

Complaint narrative:
Approximately XXXX, I paid XXXX XXXX XXXX formally known as XXXX XXXX XXXX XXXX XXXX XXXX to vacate the eviction and I signed documents to accept the offer. I even got rental help by an agency here in XXXX which paid them XXXX which was the maximum amount they would pay. This eviction/judgement that's being reported on my XXXX credit report is false and its hindering me from getting an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
My credit reported was updated today with a collections agency southwest credit systems LP. For  {$360.00}. I dont know who they are. I dont owe them any money. I have never had a signed contrat with this company Southwest credit systems LP. I did not receive any written notification of them attempting to collect a debt from me. I was not given the opportunity to dispute any debt with them. I was suppose to be notified by mail. They are destroying my credit character and worthiness. I want them to stop reporting to the credit bureaus immediately! I will take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: VA

Complaint narrative:
on XX/XX/XXXX XXXX XXXX put a collection on me for {$2500.00} for a hospital bill that was from a follow up visit for an on the job accident ... 
and i have a XXXX XXXX XXXX thru workers comp XXXX XXXX XXXX knew this because i was brought there bye ambulance on XX/XX/XXXX after a 60foot fall at work and they were told bye my lawyer that workers comp was paying all bills and do not send any of them to collection and they did it anyway .... 
my lawyer and i have both talked to XXXX XXXX XXXX  and the XXXX XXXX people ... and they refuse to remove it ... .the bill was turned into workers comp and paid in full yet i still get harassing phone calls from both of them threatening to damage my credit further and garnish my wages that i dont have ... when i am crippled for the rest of my life

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 2019-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
on or aboutXX/XX/XXXX phoenix financial services called me trying to say i owe them {$790.00} for a medical bill from 5 years ago when i tried to explain to them i had never been to the hospital in XX/XX/XXXX like they claim i was cursed at and told bye the man on the phone " '' '' im not hear to argue with your XXXX XXXX XXXX   either you give us the money or i will XXXX XXXX XXXX XXXX up your credit so your telling me your not going to XXXX XXXX XXXX pay us " '' '' ... 
my son who is now XXXX and has the same name was the one who went to the hospital and he had full XXXX which paid that bill in full and now 5 years later do to someones stupidity at the hospital making a clerical error and getting us confused with one another being there are 5 of us with the same name in my family they put a collection on me ... .why wait 5 years till 1 week after my son turned XXXX to pull this XXXX ... it is fraud i have tried to resolve this issue with them and no one will listen they just curse and threaten a XXXX man ... .and i have no idea who or where XXXX XXXX  XXXX XXXX is or why my son was there as i did not have custody of him his mother did ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ASKED FOR EQUIPMENT RETURN. IT WAS DELAYED AS I WAS XXXX XXXX XXXX OVERSEAS. UPON MY RETURN I RETURNED THE EQUIPMENT TO THE XXXX LOCATION AS REQUIRED. THEY SENT IT ANYWAY TO XXXX XXXX WHO PROCEED TO THREATENED ME WITH LEGAL ACTION. I TOOK ACTION AGAINST THEM IN SMALL CLAIMS AND WON. THINKING IT WAS OVER, XXXX XXXX XXXX XXXX XXXX XXXX IT TO ANOTHER AGENCY SEQUIUM ASSET SOLUTIONS. i TOLD THEM NOT TO CALL MY CELL AS I PAY FOR MINUTES AND THAT THE DEBT IS DISPUTED AND NOT OWED. THE LADY SAID SHE WILL CALL, TAKE LEGAL ACTION AND DAMAGE MY CREDIT IF I DON'T GIVE HER MY CREDIT CARD.THE EQUIPMENT WAS OUTDATED BECAUSE I WAS SERVING MY COUNTRY OVERSEAS AND COULD NOT RETURN IN A TIMELY FASHION. TO BE THREATENED AGAIN BY A DIFFERENT AGENCY IS AN ABERRATION. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The collection agency in question persists in illegally trying to collect on a XXXX XXXX store credit card that was closed by me in the Summer of XXXX, submitted for collection on XX/XX/XXXX and subsequently disputed as inaccurate on countless occasions, although the creditor and collection agency steadfastly refused to generate a legitimate amount owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent inquiries to my credit file. As a result, I disputed this identity fraud inquiries with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX Inquiry DateXX/XX/XXXX XXXX XXXX XXXX Inquiry DateXX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/ XXXX XXXX Inquiry Date XX/XX/ XXXX XXXX Inquiry Date XX/XX/ XXXX XXXX XXXX Inquiry Date XX/XX/ XXXX XXXX XXXX Inquiry Date XX/XX/ I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.

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 2019-03-22 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: CA

Complaint narrative:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent inquiries to my credit file. As a result, I disputed these identity fraud inquiries with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The collection agency in question persists in illegally trying to collect on a Home Depot store credit card that was closed by me in the Summer of XX/XX/XXXX, submitted for collection on XX/XX/XXXX and subsequently disputed as inaccurate on countless occasions, although the creditor and collection agency steadfastly refused to generate a legitimate amount owed.

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 2019-03-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI

Complaint narrative:
Vehicle is a XXXX XXXX XXXX leased through XXXX XXXX. Vehicle was turned in XX/XX/XXXX ... yes XXXX at XXXX XXXX of Arizona, ( XXXX XXXX Manager XXXX ) Payment was sent to Nissan plus I paid the final {$260.00} per Nissan to complete all payments due for lease through XX/XX/XXXX. XXXX repeatedly called Nissan to pick up vehicle, sent them the odometer statement with no response from Nissan and til this day XX/XX/XXXX, over a year later the vehicle still has not been picked up by Nissan. XXXX did say that Nissan is guilty of this practice every time they take in a XXXX or Nissan because they do not want to pay to pick up vehicle. I repeatedly have spoken to both parties. Around XX/XX/XXXX Nissan called me to ask weather I was turning in the vehicle or wanted to purchase, this is nuts when the vehicle was turned in on XX/XX/XXXX. They have continued to keep account open and I have accumulated 2 payments overdue and I have a spotless credit report. I also spoke to XXXX XXXX at Nissan ( XXXX ) the last time being XX/XX/XXXX and also by email that day and he is well aware the vehicle was turned in in XXXX of XXXX. Would also like to know what XXXX has been doing with vehicle after over a year, did they use it for all this time?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
I received a letter from XXXX XXXX XXXX regarding an old XXXX insurance policy. In reviewing the letter, I noticed the policy number was incorrect, cancel date was incorrect, along with the amount had increased by almost over 100 % ( XXXX ) while offering a settlement amount. Luckily, I hold on to documentation for 5-10 years. I retrieved my old XXXX policy information along with the initial XXXX XXXX XXXX letter they sent to me almost three years ago. With the balance being XXXX, due to me switching insurance companies mid-stream of the policy. The reason why I am reaching out to you instead of the company first, is based upon past negative experiences with debt collection companies. This maybe a mistake or even a typo. XXXX XXXX XXXX may have sent me the wrong information, I am not sure, but I will not be taking any chances. IF this was intentional and XXXX XXXX XXXX   attempted to knowingly collect money that is not owed, that is illegal and it violates the Fair Debt Collection Act. They Misrepresented the amount owed, the cancel date, and the account information for monetary gain. What If I didn't keep records of previous accounts, It would be my word against theirs. Attached are the documents to back up my dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: MI

Complaint narrative:
The following inquiries are not mine : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE, LLC
State: VA

Complaint narrative:
XXXX Mortgage has been terrible to work with. My grandmother passed away in XX/XX/XXXX and she had an interest only HELOC since XXXX originally with XXXX XXXX. When she passed, her house was willed to my uncle and my mother. XXXX told us to continue to make the payments. Then in XX/XX/XXXX I went to make the XXXX my mothers behalf at a local branch and they told me the account was frozen and with an attorney and would not allow me to make the payment. I then had to hire an attorney ( which did nothing but charge me XXXX ) to try to help us. They told me that we were behind and made up all these charges we had to pay by XX/XX/XXXX. I paid them XXXX plus they want us to pay another XXXX in attorney fees plus we had to pay our own attorney fees. I thought we had everything worked out and the very next bill I received, has a default rate of 8.25 % on it which I was promised would be lowered by the time of the next bill and was not. Everything they have said or done has been false. They said my grandmother was late on all these payments while she was still alive. Well then why wasnt that handled while she was alive? Why wait so long. They are unfair and couldnt produce anything to prove this. I still did the right thing and paid what tgey asked and we are still having issues. They also made my mother solely sign a forbearance agreement and did not make my uncle sign or even agree to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I noticed Portfolio Recovery was reporting a debt to my credit report. I reached out to the company 3 times via certified mail to verify the debt. No one has responded or contacted me with any details. I have tried to contacted them via phone and they do not have the right information. I have tried to dispute this information via the credit reporting company but they refuse to remove it.

Company response to consumer: Closed with explanation