vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: CA

Complaint narrative:
I purchased a phone from XXXX XXXX with XXXX XXXX XXXX  provider. I purchased onXX/XX/XXXX and XXXX XXXX XXXX could not transfer my old phone number onto the new purchased phone, so being unsatisfied I returned the phone to XXXX  on XX/XX/XXXX, 8 days later. I was given a receipt that I was fully refunded and the account was cancelled since I did not use the phone only to activate. XXXX XXXX XXXX XXXX XXXX   started sending me computer generated bills stating I owed them for over {$600.00}. Then XXXX revised bill and continue to state that I owed {$100.00}. I am now receiving debt collection threat letters. I have visited and called XXXX XXXX XXXX  provider stores trying to resolve this. I went back to XXXX  in XXXX XXXX, CA that the phone was indeed returned within 14 days and a full refund was issued. XXXX XXXX XXXX has now discredit me by placing a collection debt on my credit reports. After calling XXXX XXXX XXXX for the 4th time and explaining and giving receipt info, XXXX XXXX XXXX  still refused to stop discrediting my credit reports with a negative rating. Please see attached documents showing proof I do not owe {$100.00}. XXXX XXXX XXXX is misleading the consumer and practicing unauthorized accounting practices, by charging a consumer for unfair fee charges. CFPB needs to have this audit/investigate so they don't continue to overcharge consumers. As a consumer, XXXX XXXX XXXX failed to transfer my old phone number which had all my business contacts then consumer, I, did return the phone within 8 days. XXXX was trying to force me to purchase another phone number and I did not want that for my business established with my old phone number. After speaking to a few XXXX XXXX XXXX  customer reps, I was told this account would be closed and no monies owed. I asked for a confirmation email and a letter in writing. XXXX XXXX XXXX customer service stated that everything was removed and they could not send me a letter or email. This is unfair to the consumer. I told them I was a senior and wanted to keep my credit update and in a positive reporting status. I was told again that, not to worry that they noted everything on the account and it was fine. I feel that XXXX XXXX XXXX took advantage of me as a senior and I also believe they are bias in the their customer service. The 5th time I called to complain that I continued to get not only bills from XXXX XXXX XXXX  but not a collection agency. I was met with a very rude customer service who said I was not understanding or listening that I don't need to do anything, because everything was removed and closed! All of the conversations, I asked for an ID or name and was never given one. I was constantly transferred and put on hold for over an hour. XXXX XXXX XXXX does not care about the consumer, only to gouge money out of seniors and make them pay for overcharged fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My credit limit was lowered from $XXXX to $XXXX  because Wells Fargo got a report from a credit bureau that told them my limit should be lowered. I never made a late payment or have a bad score and this should not have happened. Not to mention that I did not allow credit bureau to share any information with my financial institution.Wells Fargo representative stated that this was caused by late payments I made to some other lenders, but I never had any late payments, but she could not see what or where, and was just following direction from the credit bureau. She could not even share that report with me, which I am pretty sure was illegal.

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 2018-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
XX/XX/XXXX - I applied for a home mortgage with Quicken Loan website and a banker contacted me to ask for all confidential information ( income, debt, credit report, assets, etc ). 
XX/XX/XXXX - Quicken Loan requested my current credit report. XX/XX/XXXX - Quicken Loan
contacted me via online email saying my debt to income ratio can not qualify for mortgage with them. I totally understand the reason and rejection. 
XX/XX/XXXX - Another Quicken Loan banker " XXXX XXXX '' blind called me that she can help me get the mortgage approved this time and ask me again a lot of information. As she walk through the term and rate and cost, she kept emphasizing the call is recorded and ask for my agreement to do business with Quicken Loan ; she requested {$500.00} deposit using credit card. 
I disagree with the urgency because I do not have rights to compare bank interest rate offer and terms with others at the moment. I simply ask her to provide me everything on record, such as email, paper mail, etc. She refused and pretend never heard. The worst part is she kept asking me for the agreement to do business with Quicken Loan and ask for credit card for deposit {$500.00}. I deeply concerned about my personal information may be misused by Quicken Loan. 

Please please investigate this company 's mortgage practice. I believe they are attempting to take advantage of home buyers who is in tight schedule to secure a mortgage for closing. Thank you. 

The call on XX/XX/XXXX is between XXXX - XXXX EST from number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
on XX/XX/XXXX a payment was posted to Resurgent Capital Service. i received a recipe stated that the payment was posted and the bal was XXXX so when i called to pay it off i was told that it was not the correct balance and the balance on the letter was a computer error this was told to me by someone saying he was a supervisor. but after talking to another supervisor for Resurgent Capital she said that the {$740.00} is what she see that was owe on the account and she couldnt get into see the account that i need to talk to the server of the account. so i explained that i was going to contact a lawyer because ii didnt want to mess up my credit for them trying to collect what not on the recipe.wahts on the letter is what i should pay since it came from Resurgent capital.its bad enough that they post that i was late in XX/XX/XXXXon a payment and reported it to the credit reporting when i ask why all they said was it didnt reach them in time and it was the timing not the date so that put me 30 day past due and its nothing they can do to remove it after i ask can the do a goodwill removal i was told no. when i pay this account i will never have anything else to do with this company i am going to file a law suit if not resolved. account # XXXX. R ESURGENT # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Contacted Equifax several times about an inaccurate discharge date reporting on a public record. Ask the bureau to investigate and send me original copies, proof of the date in question from the court house. From my understanding, i have the right to have accurate data reported at all times. An inaccurate date prohibits my ability to apply for credit. The investigation was done by a third party, and i have no knowledge of their process and methods of verification.Nor did they inform me of such after i requested. The court house has already expressed that they do not verify information with the credit bureaus via in person,phone,fax or email.My complaint is with the original documentation filed at the court house. I understand we live in modern times and most of the information is copied and posted online, however, i need the credit bureau to verify the accuracy of the account in question via the courthouse. THE ERROR IS WITH THE ORIGINAL FILING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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:
My issue stems every time XXXX is challenged my score suddenly drops often by 38 points. I review my report I find no justification for score drop. XXXX has in past few months been unable to complete or correct loan matter 's. Since the issue with XXXX became open to the public about hacking issue I've has difficulty keeping my account up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: FL

Complaint narrative:
My credit limit was lowered from {$5000.00} to {$700.00} because XXXX XXXX got a report from a credit bureau that told them my limit should be lowered. 
I never made a late payment or have a bad score and this should not have happened. Not to mention that I did not allow credit bureau to share any information with my financial institution. 

XXXX XXXX representative stated that this was caused by late payments I made to some other lenders, but I never had any late payments, but she could not see what or where, and was just following direction from the credit bureau. She could not even share that report with me, which I am pretty sure was illegal.

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 2018-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Submitted a XXXX payment to my XXXX XXXX from Ally Bank but I have never received it. Contacted Ally and XXXX XXXX but they keep on saying that it's not their fault. Submitted supporting documents to Ally that I have not received it but they are unwilling to resolve the situation.

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 2018-04-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I ordered a phone from XXXX XX/XX/XXXX timeframe of last year. The phone was financed via Synchrony XXXX XXXX credit. I initiated a charge back because the device is not working. Syncrhony is stalemating for XXXX, keeping me in an endless return/tech support/support loop via phone and email. Neither company will work with me to resolve this issue that has been going on for almost 4 months now

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 2018-04-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Asked Experian to update my profile several time regarding my name and address. I sent my ss card along with my utility bill as proof of my address and the correct spelling of my name. They are still reporting XXXX XXXX XXXX XXXX  NC and XXXX XXXX XXXX XXXX XXXX  nc. Which are both inaccurate. For reasons due to fraud, I need the bureaus to reflect XXXX XXXX  and XXXX  XXXX XXXX XXXX  NC 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 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I reported this fraudulent account in XX/XX/2017. I filed a police report and filed out an identity theft affidavit to properly document the activity and report the account. I contacted Wells Fargo multiple times with an affidavit explaining the situation which has been ignored. The responses I have received has stated that they will do nothing and continue reporting this information because they can. The account obviously exist because they sent me an account activity statement, but what they failed to provide is my connection or permission of this accounts existence. My request under section 605B of the FCRA has been ignored and violated by this creditor. The amount showing to be owed is {$2300.00}.

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 non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: NV

Complaint narrative:
My complaint is about XXXX company sending me a bill stating that I owe them money for their services and that I was under a contract for years to come. But when I first sign up for there services I was told differently. I paid my final bill with them and close out there service. 
Next thing I no I receive in the mail an " RPM '' notice stating that I was in collect. 
I had spoken with someone representing this company and again they suggested that I call " XXXX '' office. The reason why this third party has not been calling me is because I did not give them my telephone number. 

RPM stand for Receivables Performance Management LLC.

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 2018-04-06 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: NC

Complaint narrative:
Asked XXXX  to update my profile several time regarding my name and address. I sent my ss card along with my utility bill as proof of my address and the correct spelling of my name. They are still reporting XXXX XXXX XXXX XXXX NC and XXXX XXXX XXXX XXXX XXXX nc. Which are both inaccurate. For reasons due to fraud, I need the bureaus to reflect XXXX XXXX and XXXX XXXX XXXX XXXX NC 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 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
According to XXXX, inXX/XX/XXXX XXXX XXXX XXXX purchased a dept from XXXX XXXX  in my name.  I have attempted to contact XXXX XXXX  a number of times over the phone.  The last being on XX/XX/XXXX at XXXX.  I have tried to explain to them that this is incorrectly reported. I had closed my account with XXXX in XX/XX/XXXXowing nothing in monthly service charges.  I have attached a receipt showing the device I had purchased was returned to XXXX XXXX XXXX XXXX  continues to deny my requests for proof that the dept is accurate. I have asked for them to validate the dept and was told they could only send me a bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB, I am making a complaint against Experian for including a tax lien on my credit report that does not meet the XXXX ( XXXX XXXX XXXX XXXX ) standards for the listing of such. The XXXX requires that liens must have a full name, address, SSN ( not partially or completely redacted ) and/or DOB. The lien listed on my Experian credit data does not have the full SSN listed properly ( only last 4 digits ), does not list a DOB, nor does it include any address. XXXX, without any action on my part, followed the legally agreed upon requirements and removed the lien immediately due to this. However, Experian did not afford the same due diligence prior or after listing of the lien, which goes against my afforded legal rights. I am including a copy of the said lien in question.

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 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I was sent a letter saying that I owe XXXX. I attempt to contact this firm to settle the debt, and they have no record of my account. I attempt to pay online and my account is linked to another person 's information saying I owe over $ 2k to a utility company I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I called kohls summer of 2017 to report that a new kohls card was opened and maxed out in my name. I found out about this from pulling my credit report. The amount was {$580.00}. I IMMEDIATELY Closed the account and asked for VALIDATION ( a contract or lease with my signature on it ) I was assured that this account would be handled. They apologized and said they would delete it. I have now received my report for this year and ITS STILL THERE. I'm appalled this company would take advantage of me. I'm in the military and gone often. I take people by their word. If this company does not want to delete, then I request validation again. ( not verification ). I want to see where I signed up for this card. I want to see MY signutre.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have spent over an hour on a 2 different occasions waiting to get through to someone to cancel my credit reporting service with no success. On a whim, i called the number to get through to someone about starting the service and was connected in about 5 minutes. I even sent an email to the customer service email. 

I want to cancel my service as it is not needed or desired.

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 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover closed my account for absolutely no reason at all. Im a long time customer ( 6 years ) never been late, wasnt maxed out ( only at 30 % ) and I dont have negatives on my credit report. Their letter when closing my account stated we are no longer able to meet your service needs. No real explanation, and no help when I called to ask why. Said there is nothing they can do. This hugely effects my credit negatively as I have limited credit, and did absolutely nothing to deserve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
XX/XX/XXXX - Received a cancellation notice from my homeowners insurance company stating that my homeowners insurance was not paid and they had cancelled my policy. It was after hours so I had to wait until the next day to address it. 

XX/XX/XXXX - Called Roundpoint Mortgage ( RPM ), spent about 2 hours on hold, was then told that they never received the notice of payment due because they had changed their mailing address & fax number. I called my homeowners insurance company and they advised me that they had received a letter from roundpoint telling them to remove them as responsible for the escrow because the account was paid in full. ( i now have a copy of this letter available ). I was promised they would send the payment overnight. Insurance company explained to me that home would remain uncovered until they received payment. I went ahead & made the payment because I was told that it would be refunded to me. 

XX/XX/XXXX - I called insurance company to check and see if the payment had been received from RPM. 

On/around XX/XX/XXXX, the check was returned to roundpoint by the insurance company because the insurance had already been paid in full to me. I then asked roundpoint to refund the money to me, since they had concrete proof that I had made the payment they should have. they told me it would be taken care of. It's now more than a month later & i'm being told that they can not refund me because I'm not due for escrow reveiw until XXXX and that they think the difference would be less than {$20.00} a month ( which of course makes no sense since the amount owed is {$710.00} just from the insurance ). I also received an automated message telling me that they're in the process of transferring my loan when I tried to call in today about this, so then it seems an escrow review would be done in advance of that anyway. 

I have copies of multiple chats & dates/times of phone calls ( i don't have all them in front of me but I can get them together if needed )

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