vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Following the program steps outlined in my Identity Theft Report, I sent letters to the following debt collection agency on XX/XX/XXXX : NATIONAL CREDIT ADJUSTERS They were notified that I had been a victim of identity theft and I included in the correspondence to them : Identity Theft Report Copy of Credit Report FTC Notice to Furnishers of Information The written notice included the accounts listed on all 3 major credit reporting agencies, XXXX, XXXX  and XXXX. The accounts listed on the credit reports as " collection '' accounts are : NATIONAL CREDIT ADJUSTERS -- -- Partial Account # XXXX XXXX XXXX Loan {$260.00} NATIONAL CREDIT ADJUSTERS -- Partial Account # XXXX BALANCE CREDIT Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXX Type UNKNOWN Amount {$550.00} Subsequently, the accounts were removed from my XXXX Credit report ONLY on XX/XX/XXXX but NOT removed from my XXXX or XXXX  report. Since the accounts were originally reported to all 3 credit reporting agencies but only removed from XXXX, is unacceptable and has had a severe impact on my inability to receive credit and is in direct violation of section 605B of the Fair Credit Reporting Act. The accounts were opened fraudulently as shown in the numerous documents sent to National Credit Adjusters including police reports, forged checks, police witness statements and my FTC Identity Theft Report. I would also like to mention that I had several other fraudulent accounts that received the same information and all have been removed from all 3 credit reports, only the 2 NATIONAL CREDIT ADJUSTERS remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
My wife and I contacted Fifth Third on XX/XX/XXXX to request a loan modification for two loans which were maturing due to a balloon payment. 
a. Primary mortgage of {$800000.00}, due XX/XX/XXXX b. Line of credit of {$110000.00}, due XX/XX/XXXX We were instructed on XX/XX/XXXX ( see attached copy of letter from Fifth Third Bank ) to begin paying {$5000.00} for the primary mortgage for three months ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) as a trial opportunity to theoretically see if we could manage a loan modification. 

We were not clear on whether this modification included the line of credit and we called several times to receive further clarification. In the interim, we continued making our regular mortgage payment in the amount of {$5200.00} and line of credit payment in the amount of {$600.00}. On XX/XX/XXXX ( copy attached ), we received a letter from Fifth Third stating our trial plan payments were received and recorded as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. WE WERE NOT NOTIFIED THERE WAS A LATE PAYMENT NOR WAS THE PAYMENT REJECTED. 

The Mortgage Loan History Statement from Fifth Third reflects that we continued paying in excess of the full amount of the primary mortgage in the amount of {$5200.00} on XX/XX/XXXX and XX/XX/XXXX. We did not reduce our payment to the lower trial loan modification amount of {$5000.00} until the payment made on XX/XX/XXXX. 

Fifth Third bank recorded the XX/XX/XXXX payment as late because it was not the usual amount of {$5200.00}. The modification side of the bank instructed us to pay a modified trial amount of {$5000.00} which we did. We should not be penalized because the two different departments of the same bank are not reconciled. 

The loan modification documents, for the primary mortgage, were completed and executed on XX/XX/XXXX, prior to the due date of the primary mortgage balloon payment.

We paid off, in its entirety, the Line of Credit in the amount of {$110000.00} on XX/XX/XXXX, before the due date. 

We have ed in this home for fifteen years and have NEVER paid our mortgage late and at no time, during the process of the loan modification approval process, were we made aware that there was a late payment on our account. 

THIS INFORMATION IS INCORRECT AND HAS SEVERELY DAMAGED OUR ABILITY TO RE-FINANCE THIS MORTGAGE AND TAKE ADVANTAGE OF REDUCED INTEREST RATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Several times an account has been disputed, with the debt collector requesting, with letters proper debt verification on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, since I do not recognize that debt. 
The company has not provided supporting documents, to verify the debt bearing my signature, and documents that make me legally binding contractually. 
The company has failed to prove the debt, and also omitted to provide the methodology according to the Fair Credit Reporting Act, and other law. Just with unsupported letters to the CFPB in 2 complaints, and arguing the delivery of information for 6 months without even a simple proof of delivery. 
The Company failed again with the CFPB to provide support, for the debt verification, and binding documents bearing my signature, in addition to arguing that they have answered my requests this 6 months which is way above the law ordinance. Attached you will find the letters support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Finance System of Green Bay, Inc.
State: TX

Complaint narrative:
On XX/XX/2018, I acquired through a company called XXXX XXXX XXXX XXXX 3 items for my house, a water filter, a water shower and an air filter ; I signed a contract with them that said I have 3 days to return the items. 

My bank information was given to them and I authorized them to proceed with automatic debits for the payment of these items. 

The problem is that within the 3 days of the contract, I didn't have any problems, but about a week later, the water that came out of the filter, had a bad tasting and smelling water. I called the company and they said I have to change the filter. I told them the filter is supposed to be brand new, I shouldn't have to change the filter yet. They told me to contact the manager but he was not present at the moment. 

With that experience, I didn't want to open the box that contained the second item, the air filter. I got a distrust feeling regarding this Company. 

I emailed the company, explaining to them my problem with the water filter and offering to return the items because I didn't want to keep paying a big amount of money for low quality items. They told me they can ' t take the items back and kept sending me the bill with the accrued interests. 

Now, my credit is affected due to this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
XXXX XXXX  XXXX, a law firm in XXXX XXXX, CA has been contacting and harassing me for TWENTY plus years over a car loan that I never had, The loan was initiated due to identity theft when I was in college and lived in Washington State. They have continued to pursue me throughout the years, and claim they served me with a court summons in the year 2000. In that year I did not live in California, and did not have the PO Box that they claim they served me at as I had used it years before and did not live in XXXX XXXX, anyways. Fast forward, I just received a judgement for XXXX for a debt that is not valid. They did not serve me legally, so I had no way to defend myself. Had I been served legally, I would have shown up with my police report, letter from City Attorneys office, Affadavit of Fraud from the FTC which is notartized, and it would have been taken care of. Now I have a judgement and have to deal with it. I am a XXXX person, and can not even drive to this courthouse which is far away. I intend to file a restraining order for harassment, sue them, and deal with Ford Motor Credit and the court directly. Even if this was a valid debt, which it is not, the statute of limitations expired 18 years ago. I saw very bad reviews about this firms ethics and I can certainly see why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I receive constant calls from a debt collections company named Linebarger, Goggen, Blair, and  Sampson. They are calling for a XXXX XXXX from XXXX ; to reference his acct # XXXX. I returned the call and spoke with a live agent and specifically requested a DNC to my number, as Im not that person. They have not ceased calling and phone incessantly ; seeming to call more after I requested the do not call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
3 years ago I pulled my credit report and saw ( 3 ) Companies listed on my credit bureaus showing I opened a line of credit with their Company ( Ginnys, XXXX and Main and Midnight Velvet ). I immediately contacted them and disputed the accounts. I told them they were not my accounts and I did not open the accounts. I asked if they could send me a copy of the application showing I opened the accounts. They refused, they told me that they send out catalogs with an offer to extend credit and my name was given to them via the list of applicants who are considered credit worthy and credit score is within a certain range. I immediately disputed the items on my credit bureaus. Per the credit bureaus the line of credit was opened on XX/XX/2016. After researching this issue I found out that one of my family members who lived with me at that time used my identity to obtain credit with these companies. I could not understand how credit could be extended to someone who never had access to my social security number. Well come to find out it is easy for just about anyone to get credit in your name from these companies. In order for me not to file charges against my family member, my family member offered to make a settlement with the companies and requested the items be removed from my credit report. I sent the letter offering 30 % settlement for all 3 companies. They responded and offered a 80 % settlement and told me that they would not remove it from my credit report and they would only list it as a settlement for less than full balance. I need to know what action can I take against this company for allowing this to happen. I am the victim here and after sending several letters, disputing my credit report and hiring several legal companies to dispute the items as well they still refuse to make good on their ability to allow someone to commit identity theft against me. I am willing to get an attorney who can fight this for me. I had an attorney who was assisting me with some business matters but they suggested I file a complaint with the CFPB office. Get this on record. I need help here. I will not file charges against my family member. They did however offer to settle this matter with these companies in which they do not have a lot of money. This company should not have allowed anyone to be allowed credit in my name so easily. They know exactly what they are doing. And to them it does not matter, but it matters to me.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged a late payment fee of {$30.00} by Macys ( Department Stores National Bank ) for an overdue payment. This was something that I was responsible for. 

I paid the balance due in full one day late, and Macys was kind enough to reverse the charge. Over the phone I was assured that there would be no balance due and no additional charges on the account. 

After calling to check on the balance ~one week later, I learned that the reversal was not for the full amount, but rather {$28.00} dollars. Seeing as I was partially at fault, I gladly paid the {$2.00} hoping that the issue was resolved. 

The next month I received a bill with an additonal {$2.00} fee to my surprise. This was later explained to me as interest. 

The problems with this as I see them are : - I was told that after the payment and reversal there would be no further charges - I have dealt with this issue now multiple times -- 3+ phone calls - Unanticapated charges are being made against the account that seem predatory in nature

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: Shellpoint Partners, LLC
State: NY

Complaint narrative:
This problem originally included both XXXX  and XXXX  ; XXXX  corrected the issue and removed any reference to Shellpoint from my credit report. XXXX  did not. 
The furnisher company involved is Shellpoint Mortgage Servicing, a division of NewRez LLC. 
The company services a mortgage that is under foreclosure and has been for the past 10 years. 
The last payment made on that mortgage was XX/XX/XXXX. 
The resolution they filed with XXXX even had that date but somehow they also claim I made some kind of payment in XXXX. 
I did not. 
The record proposed by Shellpoint also claims " paid as agreed '' but shows a 180+ days delinquency, a glaring inconsistency. 
In XXXX, Shellpoint was not the servicer of the loan and it belonged to a different company as well ( Shellpoint services it for XXXX  XXXX, XXXX  ; it was serviced previously by XXXX XXXX XXXX which never recorded a payment in XXXX ). 
Attached is an Affidavit from an employee of Shellpoint that was filed in an unsuccessful bid to foreclose on the house, and which specifies that no payment was received since XX/XX/XXXX. 
Also attached is XXXX  's report on the issue. Notice that the information that supposedly came from Shellpoint is internally inconsistent ; on one page they acknowledge that the date of first delinquency was XX/XX/XXXX ( I'll accept even though it was XX/XX/XXXX, the difference is immaterial ). In another place, they claim payment in XX/XX/XXXX. This is not in keeping with the sworn affidavit or the other statement in the Report. 
When I tried to explain this to the representatives at XXXX, they claimed not to have access to the PDF I was trying to explain to them and that is attached here, so we had unnecessary difficulty coming around to the inconsistency and source of the trouble.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
On XX/XX/2018, I acquired through a company called Aqua Finance , Inc 3 items for my house, a water filter, a water shower and an air filter ; I signed a contract with them that said I have 3 days to return the items. 

My bank information was given to them and I authorized them to proceed with automatic debits for the payment of these items. 

The problem is that within the 3 days of the contract, I didn't have any problems, but about a week later, the water that came out of the filter, had a bad tasting and smelling water. I called the company and they said I have to change the filter. I told them the filter is supposed to be brand new, I shouldn't have to change the filter yet. They told me to contact the manager but he was not present at the moment. 

With that experience, I didn't want to open the box that contained the second item, the air filter. I got a distrust feeling regarding this Company. 

I emailed the company, explaining to them my problem with the water filter and offering to return the items because I didn't want to keep paying a big amount of money for low quality items. They told me they can ' t take the items back and kept sending me the bill with the accrued interests. 

Now, my credit is affected due to this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts. Please remove them and the addresses associated with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts. Please remove them and the addresses associated with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts. Please remove them and the addresses associated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: TX

Complaint narrative:
On XX/XX/2019 I paid and closed an CC with XXXX. For 9 months the account appeared as paid and closed. never missed a payment. 
Suddenly the CC gets included in a portfolio of Debt sold to someone with a balance. 
I complain when the Debt Collector uploads an account with a wrong balance not registering the payoff, result of the dispute, the debt collector account remains when they never verified the debt according to FCRA, and XXXX loads the same account and registered missed payments that I have never had. The debt collector after not being able to verify the debt and never provided binding documents, answered on complaint XXXX to the CFPB that he was removing it. and Experian does not remove it and in addition has the XXXX account that was never late and closed on XX/XX/2019. 
How can an account could have been late after XXXX, if it was already closed? 
Experian has had the time to validate this and failed twice. I am complaining about this abuse, and violations to the Law, in addition to any potential legal avenues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITY NATIONAL BANK
State: DE

Complaint narrative:
I made a {$150.00} at XXXX for a car rental reservation using a City National Bank credit card on XX/XX/XXXX for travel date in XX/XX/XXXX. I cancelled the reservation late XX/XX/XXXX and the merchant promised to issue a refund. I reviewed my account and could not locate a refund on my account and proceed to initiate a chargeback through City National Bank on XX/XX/XXXX. A phone agent took my information for the chargeback dispute. I received a letter on XX/XX/XXXX from City National Bank stating they will not able additional assistance to resolve the matter and stated the dispute was received more than 60 days after the transaction first appeared on my statement. Meaning since the charge appeared on XX/XX/XXXX, I have no later than XX/XX/XXXX to initiate a dispute. This is a wrong position to take on chargeback resolution as the date for dispute should tie to the expected date of service not the transaction date. Furthermore, Visa allows cardholder to initiate chargeback up to 6 months after the service date and for fraud or egregious cases, there is no deadline to file a dispute. 

I contacted City National Bank on XX/XX/XXXX again and the agent repeat what was stated in the letter and refuse to provide additional assistance. They don't want to help resolve the matter and suggest I suggest the merchant for additional assistance. 

City National Bank does not understand chargeback rules and procedures and deflect responsibilities. City National Bank is obligate to provide payment dispute resolution even though I have cancelled my account with them 3 months ago.

Company response to consumer: Closed with explanation