vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am unable to call and speak with any of the three Credit Reporting Companies also known as XXXX XXXX, Equifax and XXXX 

I want my current Consumer Statement removed from all of my Credit Report. I do not want any Consumer Statement on  my Credit Report. 

I want the phone numbers to XXXX XXXX, Equifax and XXXX  so that I and other Citizens can call them directly to speak to them when I/ We discover a problem with my/ our Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am unable to call and speak with any of the three Credit Reporting Companies also known as XXXX XXXX, XXXX   and Experian. 

I want my current Consumer Statement removed from all of my Credit Report. I do not want any Consumer Statement on my Credit Report. 

I want the phone numbers to XXXX XXXX, XXXX and Experian so that I and other Citizens can call them directly to speak to them when I/ We discover a problem with my/ our Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
Nelson Cruz and associates called me and said there is a complaint against my name/ SS number because of a pending student loan. I worked out a deal with them via telephone for them to take out XXXX $ monthly until it is paid. They did this twice. Today XX/XX/19, I go t a call from them saying I do not qualify for the XXXX $ Hardship repayment plan, but I can pay around XXXX $ monthly for 6 months and we will be square. I said I would have to think about it and speak with a friend that was a legal rep. The representative got kind of pushy and told me I only have until XXXX today to make a decision. Anyhow I called the real federal student loan officer and I am up to date at this time. They have never heard of Nelson Cruz and associates. So it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On or approximately XX/XX/2019 I started to actively activate my credit card issued via Citi Bank. After three or so tagging my credit card info to XXXX XXXX, XXXX, XXXX etc I received a fraud alert on my account. I reached out to rep via app chat, and provided a 24/7 Fraud Number, ( XXXX ) XXXX since XX/XX/2019. On that date, the rep stated they will mail a letter 7-10 business days, and 7-10 business passed. Its XX/XX/2019, and again going thru the same process, the system they use via third party look for a way to tag my information of me but I have nothing more then little that can verify that I am who I say I am. I ask for information, to no avail. They have not been helpful, resourceful and would like for their security check to change or at least offer other ways to verify its me.

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 2019-09-24 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Merchant charged my card without authorization. I contacted merchant, but merchant did not resolve. I contacted card issuer. Card issuer failed to provide credit for unauthorized charge, even though I provided documentation proving that charge was not authorized and that I had contacted merchant.

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 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AR

Complaint narrative:
Please see if you can follow what has happened and why we are so upset with LoanCare LLC. 
Our payment should have been corrected in XXXX of 2019 by escrow department to {$2200.00}. XXXX but has not. 

With a actual needed mortgage payment of {$2200.00} and a requested mortgage payment they are showing in their website is {$2900.00}, they are inferring a {$7900.00} shortage. 

That is bizarre. 

XXXX and Loancare were expecting to pay insurance of {$15000.00} in XXXX of 2019 but the real insurance amount paid is {$7900.00}. We changed companies to get a better rate. New insurance came into effect XXXX XXXX and was paid XX/XX/2019. 

If they paid incorrect amount to prior insurance company, that would have been refunded to them and would be there to pay new insurance company. Actually, there should be an overage in escrow accounts. 
So there would be no shortage in escrow accounts. There is no shortage in escrow accounts absent theft or mismanagement. 



So looking at the escrow account amounts shown LoanCares website, they are now showing proper amount for taxes and insurance but you have not changed the payment to reflect that. 
If you add {$1000.00} x12 which equals {$12000.00} needed for mortgage payment to principal and interest. Add to that property taxes of $ XXXX+XXXX+ homeowners insurance of {$7900.00} you get a total annual outlay of {$27000.00} When you divide that amount by 12 you get the monthly mortgage payment needed of {$2200.00}.

{$2900.00} x12 = {$35000.00} That is {$7900.00} more than they need to pay for everything associated with our loan. That is a huge shortage they are asserting. 

After our XXXX letter to the escrow department we determined they were not going to change the payment amount so we started paying in {$2200.00} as the correct amounts of mortgage payment. 

Now the collection department is asserting missed payments. 
And is threatening late fees etc. 

Regards, XXXX 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 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are items still on my credit report that have been reported more than once. All contacts with FTC and local police department have been made. However these items are yet still on my report : XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX 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 2019-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are items still on my credit report that have been reported more than once. All contacts with FTC and local police department have been made. However these items are yet still on my report : XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Allied Collection representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2015 amt {$410.00}

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 2019-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I reported on the telephone that I was a victim of a scam and that my card has been used without my permission. I explained that my credit limit was at XXXX and it was raised to XXXX without me knowing. The address email and telephone numbers had been changed. The initial lady was understanding she said this is fraud, she closed the account and issued a new account and set up a fraud complaint. 

On XX/XX/2019 got a letter confirming that a fraud case was opened and they were working on it. 

On XX/XX/2019 got a letter saying that they determined that I am responsible for charges because I did not identify specifically the disputed transactions. 


On XX/XX/XXXX I sent a detailed account and spreadsheet of what happened and what was being disputed. I sent this registered and it was signed for by a Best Buy representative on XX/XX/XXXX the day of delivery. Looks like the name is XXXX. XXXX I will attached a copy of the packet I sent in next section. 

I have received nothing from Best Buy and my attempts to get information by phone have failed. 

Since my letter in XXXX I have continued to make the minimum payment because I know that I am responsible for SOME of the balance. Best Buy continues to add interest on items that are disputed. Since XXXX they have added XXXX in interest charges and doubled my minimum payment to XXXX from XXXX. 

I had a account with a XXXX credit limit and now have an account with a XXXX credit limit and a balance of XXXX. 

How could Best Buy let this happen? At the most I might have a balance of XXXX my original credit limit. I never asked for an increase or charged this much. 

I need help with resolution.

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 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
This is the response I received from LoanCare my mortgage company when I asked them why are they charging me a fee on my payment. This loan was transferred from a previous mortgage to Loan care with the contractual agreement that I had a 15 day grace to make my payment without any fees and now it seems they found a way to circumvent the system and charge me a processing fee because I making a payment online. I think this is predatory and blatant wrong the part of this company. I feel they are trying to squeeze every penny they can from their clients. Where is the consumer protection? 

Dear Valued Customer, Thank you for contacting us. 

We have received your recent inquiry regarding your mortgage account. Your mortgage payment is due on the XXXX of each month and you are provided with a 15 day grace period. Over the website the processing fees starts at {$5.00} after the XXXX of the month and then {$10.00} dollars after the XXXX of the month. If you want to avoid processing fees please make payment before the XXXX of the month or you can look into setting the account up on auto draft. For further assists please contact Customer service at XXXX Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. 

Sincerely, Customer Support XXXX XXXX XXXX XXXX   XXXX, VA 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 2019-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PlusFour, Inc
State: NV

Complaint narrative:
PLUS FOUR representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2014 amount {$260.00}

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 2019-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I have reached out to Midland Funding once a received a letter a couple of months back, and notified them once I saw XXXX   that the debt being collected is not mine. I had a XXXX  credit card back in 2006, which I only had a credit limit of XXXX, and rarely used it. That card was paid off and closed. They are indicating I owe {$1000.00} without any proof of transactions or payments. Now months later, I have a Notice To Debtor that  went to a court in a county I lived in over 7yrs back, never received any legal document prior to this week of the XXXX of XXXX. It indicates they levied my bank. I have sent multiple letters when I received the collection letter and disputed it online complaint over a year ago, and now I receive a letter that they sent to the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carington Mortgage recently marked our credit report late on XX/XX/19. We sent a payment and some how it got returned back to us in the mail after the 30 days had past. We sent to the same address as we have done in the past so not sure how that happened. As soon as this was brought to our attention I made payment immediately but the damage was already done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
My husband, XXXX XXXX, and I leased a XXXX XXXX XXXX from XXXX XXXX in XXXX, OH on or about XX/XX/XXXX. This was a two year lease, expiring on XX/XX/XXXX, so we traded it in to XXXX XXXX on XX/XX/XXXX in exchange for a XXXX XXXX XXXX. We made our last payment for the XXXX on XX/XX/XXXX, and paid the amount owed for the XXXX at trade in ( see the bank statements, attached ). 

On or about XX/XX/XXXX, we received a bill from GM Financial for payments on the XXXX allegedly owed in XXXX and XXXX of that year. We contacted our salesman at XXXX, sent in the vehicle return receipt to GM Financial, and believed that the dealership and GM Financial had worked things out. We didnt receive any more bills after that. 

As you will see from my attached letter, they had not resolved this billing issue, and our credit scores dropped approximately 50 points over the XXXX holiday. I filed a dispute with XXXX  in XXXX of XXXX. The balance was changed to {$0.00}, but issues remained. 

Ultimately, I filed a second dispute in XXXX since our scores did not recover, and I still had late payment status showing on my credit report ( attached ). 

This dispute was not corrected, and this issue became known in the course of applying for a home equity line of credit from XXXX XXXX this week ( also attached ). I  contacted XXXX today, they confirmed that these amounts were past due, and they ultimately sent me to GM Financial. GM Financials Loss Prevention rep ( XXXX ) reviewed my account, confirmed that they were still looking for these two payments, and directed me to the dealership. My question to both was how is it possible that we could owe payments on a vehicle that was in legal possession of the manufacturers dealership/ financial arm? I had sent both parties evidence of our non-possession of the XXXX in XXXX, yet this report stood. In both cases, the parties pointed me elsewhere. XXXX was unwilling or unable to help me beyond that point. 

I then left a message for the general manager at XXXX XXXX hours ago, with no response so far. 

Please help. At no point did any of these companies take any accountability regarding this mistake that one of these parties made, and it is negatively impacting us, despite our best efforts to be as fiscally responsible as possible. 

Thank you so much for reading this complaint. If you have any questions, please call. XXXX. 

Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX erroneous inquiry dated XX/XX/2019 should be removed from my Experian credit report. The credit card was approved on XX/XX/2019 based on my application submitted on XX/XX/XXXX when my credit was verified, so this is an error.

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 2019-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: WA

Complaint narrative:
I submitted a CFPB complaint XXXX to MoneyLion on XX/XX/19 and they on XX/XX/19 and admitted their problem that failed to offer me the welcome bonus {$590.00}. They said they will add me the bonus within 1-2 weeks after their response date XX/XX/19, however, so far, it has been about 4 weeks and I still haven't seen the bonus posted to my account. I tried to contacted them many times, and their customer service number can never be reached and always asked me to leave a message and they will call me back soon, but they never called back. Please be honest and keep your promise to add me the bonus funds {$590.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
QUANTUM COLLECTIONS representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amount {$220.00}.

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 2019-09-24 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: Credit Wise Recovery Solution LLC
State: WI

Complaint narrative:
I owned my XXXX credit card since XX/XX/XXXX ( 100 % payments, never late ). In XX/XX/XXXX I have changed my name, which I have informed XXXX and they send me a new card with my new name ( not sure if it's relevant, but that was the last time when XXXX XXXX stopped reporting on Credit Wise ). 

XXXX : In XX/XX/XXXX I have been informed on CreditWise that my credit score dropped 50 points ( just made my 100 % payment before the due date, no other changes were made to my accounts at that time ). When I studied closely my credit report on CreditWise, I have found that XXXX payment was reported from XXXX, and also myXXXX XXXX XXXX reported ( only on CreditWise ) debt over my credit limit. However, my financial aid ( latest from summer XXXX ) was reported correctly and other XXXX XXXX was also recorded correctly. The CreditWise website mentioned that thay have pulled the information from XXXX credit report company. I have immediately checked my XXXX account, where everything was correct. I have also pulled my credit reports from XXXX, XXXX, and XXXX, where everything was also correct. 

To sum up, everything was completely correct, beside Credit Wise report of my XXXX XXXX account ( not reporting from XX/XX/XXXX ), and the amount ( even over my credit limit ) of my XXXX XXXX, which I haven't used for over a year. 

So, I have been advised to send a letter explaining this problem to XXXX, which I did. Nothing happened until XX/XX/XXXX, when I have try to use my credit card, which was declined. I immediately called XXXX XXXX. I have called them 3 times more to XXXX XXXX. They told me that my account was closed, so they can't tell me anything. I have even been promised by manager to call me about this problem. Later, I have received a letter that they find my claim FRAUDULENT (? ) and they will close my account. 

I have tried contact XXXX XXXX again after I have received the letter, and I have been told : " We have been advised to not to tell you anything ''. 

I understand that credit card companies can close an account without a reason, but I want to know WHAT WAS FRAUDULENT? As my credit score dropped 100 points, I want to know what actually happened?

Company response to consumer: Untimely response