vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS ACCOUNT UNDER MY NAME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER TO CORRECT YOUR CREDIT REPORTING INACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: PMR Progressive, LLC
State: NY

Complaint narrative:
They keep mailing me now for months and months saying I owe a debt which I do not. They call my cell phone AT LEAST 6 times per day. I have reached out to them via email and told them FOUR TIMES this debt does not belong to me but they continue to harass me. Today, they called my work, I told them to stop calling me, got a manager on the phone who proceeded to argue with me AFTER I told him to stop calling. I emailed them again immediately after the call and told them that I will be retaining a lawyer for abuse, fraud and harassment. The company is XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-06-27 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: IL

Complaint narrative:
I'M THE VICTIM OF IDENTITY THEFT. i CONTACTED THE FTC AND FILED A COMPLAINT. I SUBMITTED ALL THE PROPER DOCUMENTS TO THE CREDIT REPORTING AGENCIES, YET THEY REFUSED TO REMOVE THE INACCURATE INFORMATION FROM MY 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 2019-06-27 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: IL

Complaint narrative:
I'M THE VICTIM OF IDENTITY THEFT. i CONTACTED THE FTC AND FILED A COMPLAINT. I SUBMITTED ALL THE PROPER DOCUMENTS TO THE CREDIT REPORTING AGENCIES, YET THEY REFUSED TO REMOVE THE INACCURATE INFORMATION FROM MY FILES

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Scheer, Green & Burke L.P.A.
State: WA

Complaint narrative:
On XX/XX/XXXX I received a letter from Scheer, Green and Burke, Co. L.P.A. stating that I owe XXXX with an account number of XXXX to XXXX XXXX XXXX. 
I tried to call and make contact to verify the debt on XX/XX/XXXX, XXXX XXXX, XXXX and the XXXX. No calls were answered when my call was said to be 1st in line and I was eventually sent to voice mail. I left my name number and account number and there has been no attempt to call back from them. 

I got ahold of XXXX XXXX XXXX on XX/XX/XXXX and discovered that my bill was paid in full when my check was cashed on XX/XX/2019. They told me I had to dispute the collection with the agency but, the agency doesn't seemed staffed to deal with people just a website designed to take payments. This is an aggressive design with no option other than forcing people to pay to salvage a mark against their credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Couch Conville & Blitt LLC
State: LA

Complaint narrative:
On XX/XX/2019 I received a consent judgement paper in the mail for myself, along with another person 's personally information inside of my letter. 
I received her legal information with her last four SS #, her name, and her address. 
I contacted the Attorney 's office XXXX, XXXX, and XXXX, XXXX. I let them know what happened, the person XXXX I spoke to just asked that I sent it back. I then spoke to the Supervisor XXXX XXXX at the Attorney 's office his number is XXXX ext XXXX. Mr. XXXX stated it was a sorting mistake, and he will escalate this error the Manager of the mail room. I also mentioned that I wanted the balance of the debt erased and a letter stating it was taken care of. I also let them know that I have filed a complaint with the Federal Trade Commission as well. 

I also contacted the lady that I received her information, she also let me know that she received my information as well. 
She just put a sticky on the my information and mailed it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a payday loan and the loan was denied. I am not sure what kind of loan it was because I never received any documentation explaining what I was applying for. The person told me that they needed to keep a copy of my voided check even though the loan was denied. I am really concerned that they would keep my account and routing information. I was told that this was due to a federal regulation. Is this true? Ive had friends who have had their identities stolen this way as well as have had people take money from their bank accounts. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
on XX/XX/XXXX we were asked to come to XXXX XXXX of XXXX XXXX to put the final touches on a deal to buy a XXXX XXXX XXXX, and our XXXX XXXX XXXX would be taken as trade upon arrival we were told that the financial manager was " just talking to the bank '' after all was said and done the finance manager came to speak to us, presented us with an outrageous payment we were unable to afford and that he did not know anything about taking the XXXX XXXX as a trade but it was not worth what we owed anyhow. 
we decided NOT to take the deal as we had been misinformed. 
the next day i checked my credit report to find 6 HARD inquiries on my credit report that I DID NOT AUTHORIZE .... as i thought the deal had gone through before we got there XXXX XXXX of XXXX XXXX on XX/XX/XXXX put 6 hard inquiries on my credit report that again I DID NOT Authorize and my credit score went down XXXX points in one day. 
thank you,

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 2019-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
There is a collection account that shows up on my credit report every 3 to four months which damages my credit report.I have had this same collection account removed from my reports three times already.This latest company has posted it to my credit report again dropping my credit score. I now have gotten a notification from the bureau saying it has been flagged as seriously overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Coastal Credit, LLC
State: FL

Complaint narrative:
When I originally got the truck loan I gave Coastal Credit an account to use for Direct Payment. After two payments I closed the account due to fraudulent charges ( unrelated to Coastal Credit ) and did notify them. I told them I would be paying either over the phone or online for the duration of the loan. Coastal Credit continued to try and withdraw funds from my closed account and would not discontinue until after six months. Now Coastal Credit will not allow me to pay online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a late payment notice by email yesterday on my Citi AAdvantage card for their {$99.00} annual membership fee. I havent used this card in over a year. I initially got the card for a family vacation that was in XX/XX/XXXX. They offered an attractive signup bonus with miles and first checked bag free. However, due to me using miles to book my flight and being forced to book the other 4 tickets for my family separately, AA would not honor the first checked bags free for my familys bags. This cost my family over {$100.00} round trip which was very upsetting. 

XX/XX/XXXX XXXX PDT ( approx 45 min call ) Called Citi / AAdvantage XXXX # and spoke with phone rep. She couldnt help me so she transferred me to customer service who transferred me to their manager XXXX , who transferred me to his manager XXXX -each time I had to explain from the very beginning what the problem was and how I was asking for it to be resolved. Everyone I spoke with at this point kept telling me they can only waive the annual fee up to 60 days. I didnt even know I had a balance due because I hadnt used the card in over a year and apparently was on paperless billing. The only two emails I recall receiving from Citi were within the last week or so. One saying my AA miles expired and the other yesterday when I first became aware of any balance owed to Citi. 

XXXX couldnt do anything and claimed there was nobody above him. All he offered was to fill out a customer complaint and somebody higher up would call me within 48 hours. 

XX/XX/XXXX XXXX PDT XXXX XXXX called my cell and said there is nobody above him. He would not waive the {$99.00} annual fee. He said he listened to my call from the day prior and nothing could be done. Horrible customer service. He kept talking over me and repeatedly said they do not and will not waive the annual 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 2019-06-27 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: NC

Complaint narrative:
I am reaching out to the CFPB in direct complaint as I am a I have tried to deal directly with the credit reporting agencies, yet to no avail. This is my third attempt as the credit reporting agencies have not adhered to FCRA 605b which specifically states that all accounts identified through law enforcement in an Identity Theft occurance are to be blocked. These are the accounts that this Reporting Agency has failed to address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX   XXXX XXXX  - XXXX XXXX XXXX  XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX   XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX   XXXX  XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX  XXXX placed two charges on my mastercard account totaling {$15000.00}. I notified Bank of America that I had never done business with that company and the charges were fraudulent. They removed the charges pending investigation. Approximately two weeks later, I received a letter from Bank of America advising that they believed the charges to be valid and I would have to pay them. I contacted XXXX XXXX XXXX XXXX. They are in Maryland and are not licensed to do business in Virginia. They advised that they do billing for XXXX XXXX, the company that I had contracted to repair my deck. They were told the deck was finished and they could put it on my credit card. My agreement with the XXXX XXXX Employee was that I would provide a check at each point of completion. They never had permission to place these charges on my credit card. The deck was to be installed XX/XX/XXXX. Some work was done in Spring, XX/XX/XXXX, but it wasn't done correctly. They were paid over {$8000.00} to order materials and begin the first phase, and are not owed any additional funds yet. This has lowered my credit score and has caused financial problems. The first workers came in my house and my copy of the contract was taken. They refuse to provide me with a copy.

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 2019-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I spoke with Select Port Folio, XXXX XXXX Loss Mitigation today XX/XX/2019 about my mortgage assistance application. I was informed that they have not reviewed the mortgage assistance application or financials because the foreclosure sale date is less than 30 days Foreclosure sale date is XX/XX/2019.it is more than 30 days before the sale date Select Port Folio is not willing to assist me with keeping my home or review my documents. I have not received a denial letter for my recent application but I did resubmit the mortgage assistance request again today with financials. 

I need Help I don't want to lose my home Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nelson Cruz & Associates LLC
State: VA

Complaint narrative:
For the second time, XXXX XXXX of Nelson Cruz & Associates has talked to me in an abusive manner. Today he threatened to take my social security number and use it illegally. They also talked me in to signing an agreement to paying a debt older than 6 years old ( which is outside of the Tennessee statute of limitations of debt collections ). I have requested to opt out of this more than once. The original debtor, XXXX XXXX, mailed me a letter acknowledging that this debt had been written off several years ago. I have a disabled husband, make minimum wage, and have no help. I can not afford the amount they have locked me into and they will not let me change or stop the amount. Please help. I can not take the abusive calls and threats any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Debt company is asking for payment on a 20 year old debt i never owed.i request for proof that i owed the amount they stated i owed they never sent me anything that show im responsible for a debt they claim i owe.instead they atated they did the investigation and i have to pay tbis debt with out showing me any document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 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: TN

Complaint narrative:
SInce XX/XX/2018, I have been disputing incomplete, inaccurate information. Some of the items have been removed, some come back, and some have been completely ignored. These accounts have not been verified 100 % and I am asking that the credit bureaus remove all unverifiable information and correct my personal information. My credit seem to be mixed up with someone else, So therefore I am also providing my ID with my correct name, address, and dob. Please correct my information and remove all of these unverifiable accounts this is hurting my credit. 


XX/XX/XXXXXX/XX/XXXXAccount Number : XXXX, Account Number : XXXX, Account Number : XXXX, Account Number : XXXX EXPERIAN Account Number : XXXX, Account Number : XXXX, Account Number : XXXX XX/XX/XXXX Account Number : XXXX, Account Number : XXXX, Account Number : 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 non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
a fraud alert and personal statement was placed on my credit file without my authorization.

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 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
a fraud alert and personal statement was placed on my credit file without my authorization.

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 2019-06-27 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: Navient Solutions, LLC.
State: UT

Complaint narrative:
General Revenue Corp # XXXX is reporting a debt I do not owe. This debt is old and I have already paid it off, it should no longer be reporting to my credit.

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 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying without any success to update my personal information such as my address information and Transunion has failed to maintain accurate and true information regarding my personal information. I have attached the original certified letter mailed and delivered on XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. I have spent money and time trying to correct this and I hope they will listen to CFPB. I would like them to correct this and update the information once and for all. Thank you.

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 2019-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank emailed me a notification of the minimum payment due on my XXXX Credit Card account ( 10 days before the payment was due ), and also indicated that minimum payment amount by XXXX on their web payment portal ( I did not type in a custom payment amount ). I paid that amount and thought my account was in good standing, until I received a notification from my credit monitoring service that Comenity Bank had reported my account as >30 days late. I have 20 years of credit history, 12 with that card, and have never had a late payment. I called them to ask why they had reported me, and they said that the minimum amount that I owed was actually higher on my paper statement than was indicated in their email or on their web portal because I had returned some merchandise in the interim. I asked them if they would be willing to revise their report to the credit bureaus given that 1 ) it was easy to see how I could have been misled by their emails and web portal ( especially since I have opted out of paper statements and only receive electronic notifications ), and 2 ) the amount of returned merchandise could also be seen as more than sufficient in terms of " minimum payment. '' They have refused to acknowledge any part in misleading me or to help repair my credit rating ( which has dropped 100+ points ), but are happy to charge a {$38.00} late fee and an egregious 27 % interest rate on the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I REQUESTED MY MORTGAGE STATEMENTS FROM XX/XX/XXXX THRU XX/XX/XXXX, SINCE I'VE NEVER RECEIVED THEM, ON XX/XX/XXXX. I'VE RECEIVED NO RESPONSE REGUARDING THIS MATTER. SEREUS/MR COOPER HAVE ADEQUATE TIME TO SEND MY REQUESTED MORTGAGE STATEMENTS. BY LAW I'M ENTITLED TO THESE STATEMENTS.

Company response to consumer: Closed with explanation