vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
WE, XXXX AND XXXX XXXX WERE SCAMMED BY A COMPANY CALLED XXXX FROM DELAWARE. WE PAID THEM {$3500.00} CHK # XXXX ON XXXX-2016 AND ANOTHER {$5000.00} IN 2016 USING THE SAME CHECKING ACCOUNT XXXX XXXX XXXX WHICH IS NOW PROSPERITY BANK. THEY TOOK ADVANTAGE OF US AND THIS IS SENIOR CITIZEN ABUSE. THEY DID NOTHING AT ALL FOR US. WE TRIED TO CONTACT THEM @ XXXX AND THE PHONE # IS NOT IN SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Mortgage loan balance is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: MD

Complaint narrative:
There was a collection account on my credit report. The account was reported by XXXX XXXX XXXX who also sold the debt to multiple agencies. After multiple disputes to all three credit bureaus because I had no knowledge of the debt the account was removed from my credit report by all three credit bureaus. I received a letter recently dated XX/XX/2019 by Unifin Inc reporting the same account for a lesser amount asking me to settle an account I do not owe after the account has been removed almost 5 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: SC

Complaint narrative:
In XX/XX/2019 I settled this debt with XXXX credit systems. I do not owe this debt. I C Systems has made an attempt to collect a debt that wasn't mine previously and I've had to contact them about it. The debt was removed. I have never done business with IC Systems.

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 2019-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma
State: TX

Complaint narrative:
I pulled my credit report and noticed this collection. When I attempted to contact the creditor and collection agency I was told this debt was for my daughter and they attempted to contact me via phone 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Mortgage loan balance is incorrect

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 2019-05-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX my husband and I took out a 2nd mortgage on our house with XXXX XXXX XXXX, loan # XXXX/Min # XXXX. We made some payments but we soon fell behind and was not able to make our payments any longer back in XX/XX/XXXX. The mortgage company stop sending us paperwork and being that we are older we did not worry about it because it showed on our credit report that it was charged off by the mortgage company. We just recently looked up the Min # XXXX on line to figure out what happened to this loan and found out CitiMortgage, XXXX. is the servicer. We have called CitiMortgage countless times in the last month to get information on our loan but every time we get a person on the line they can NOT find any information on our loan and they are NOT trying to help us in any way.

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 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of the South, Inc.
State: LA

Complaint narrative:
This company refuses to clear up the misunderstanding about this debt. Never lived at the address that they're showing and people in XXXX know that the water department is a complete joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I closed my credit card with Comenity Bank ( XXXX XXXX XXXX ) in XXXX and paid the balance off in full. I overpaid b {$110.00} and was issued a refund check from the company for the overpayment. 

However, on XX/XX/XXXX the company charged me {$40.00} in finance charges on the closed, fully-satisfied, XXXX-balance account. Then on XX/XX/XXXX, Comenity  Bank charged me {$4.00} in " minimum finance charges '', again on a closed, fully-satisfied, XXXX-balance account. 

I made a payment of {$44.00} for XXXX and XXXX finance charges on XX/XX/2019 to avoid further charges and / or late fees while trying to settle this issue. I paid this before the due date and, again, this was on an account that had been closed, paid off, and even a refund check issued for overpayment, over two months prior. 

I just received another bill for {$4.00} " minimum finance charges '' that were charged to my closed, fully-satisfied, XXXX-balance account onXX/XX/2019. 

Apparently, Comenity Bank intends to post fraudulent finance charges to my account indefinitely. I need for them to issue a refund for the {$44.00} that has already been paid, cancel the new charges and never charge this closed, fully-satisfied, XXXX-balance account ever again. The account has been closed for three months. Nothing is owed. Nothing has been owed except for the {$110.00} that they owed me for paying TOO MUCH on my account balance and now the {$44.00} that they owe me for payment for finance charges that should have never been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Mortgage loan balance is incorrect

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 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting incorrectly that I am 30 plus days past due on the XXXX partial account number XXXX. ( Please see pages 18 and 19 of the attached credit report. ) I was not 30 days late on my payment. I called the credit card company on the 28th day when I realized that I forgot to make this payment. I paid the credit card balance off in full on that day when I spoke to the representative. The representative removed the late fee since it was in fact, NOT 30 days late, however Equifax has not removed and/or updated my credit report. This incorrect reporting is harming my credit score. XXXX and XXXX are reporting correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I had a lease with Nissan-XXXX which had come to term and was paid as agreed. It is reporting settlement paid for less then the full amount this is inaccurate. 1. Any fees due after the term of my lease is a separate agreement and can't be attached to a previous loan agreement. 2. I made this settlement with a different agency not with nissan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stevens Business Service, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, MA XXXX Failed to contact me about a debt, has no record of contact. I called today after noticing collection on credit report, and verified that they have no record of having contacted me. 

Claims to be in relation to a gas bill. Can't find record with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have contacted Equifax several times, both by fax and certified mail. They refuse to correct two pieces of incorrect information.

1. A collection account from XXXX for {$210.00}, which has been paid and I have provided proof several times. XXXX says they have submitted it as paid. Equifax will not remove it. 
2. A medical bill from 2013 from " XXXX XXXX  XXXX '' which is time-barred and shouldn't even be on my report. Proof has also been sent numerous times. 
I have the certified mail receipts and fax transaction reports as well. 
I've attempted to contact by phone and never get anyone who speaks English well enough to communicate with, chat refuses to help with credit reports. I have also been " disconnected '' twice when I call. 
Their website will not show me the results of the disputes I've made and they told me two weeks ago they would send me a paper copy in the mail of my report. To date, nothing received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Premier Student Loan Center
State: NC

Complaint narrative:
Was contacted by Premier Student Loan Center by phone on or around XX/XX/2018 stating they were able to provide a simple payment plan for me of {$230.00} for five months then payment plans of {$40.00} until full student loan was paid off. 

First debit of {$230.00} was taken out of my checking account ( via debit card ) on XX/XX/2018. Payments made on XX/XX/2018, XX/XX/2018, XX/XX/2018 and the last payment of {$230.00} was taken out ( via debit card ) on XX/XX/2018. 

First debit of {$40.00} was taken out of my checking ( via debit card ) on XX/XX/2018. Payments made on XX/XX/2018, XXXXXX/XX/2018 and the last payment of {$40.00} was made XX/XX/2018. 

I realized that Premier Student Loan Center was not in any way connected with the Federal Loan Department and stopped payment from Premier Student Loan Center and changed my debit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To Whom it may concern, The checking account # XXXX I used to have with Bank of America or perhaps another checking account opened under my name without my authorization and it was reported as a delinquency account with a transaction of {$500000.00} in cash from a fraud group located in Georgia back in the years XXXX. I was never notified of this fraud transaction which is being reported in my personal background in agencies. In addition, I went to a local branch and they can't find the checking account in the system, the account is older than 7 years and it is not showing any information. 

I am in the process of a clearance and the investigators mentioned this transaction during the interview. 

I have submitted the checking account number and a previous address where i used to live when the account was active.

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 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
On XXXX XXXX, I disconnected my XXXX  services in preparation to move to XXXX OR, which is not a service area for XXXX. They removed the early termination fee from my bill and credited the account. That left my account with a credit of XXXX. Once my final bill was printed the cancellation fee was added to back to my account along with other minor charges that were clearly AFTER my termination. 

This account has been turned over to a collection agency- it is not a valid charge and I should have received a credit BACK from XXXX. The balance on this account is simply due to the charge of the Early Termination. 
XXXX was also aware that I was moving to XXXX Oregon as they sent my final bill to my Oregon address as seen on the enclosed bill. 

XXXX has not been willing to help or rectify this bill. The collection agency changes every few months and no one is willing to help. I am not sure of where to even send this cry for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
Well over a year ago I cancelled service with XXXX XXXX. I had a XXXX balance turned in all of my equipment and was told that I was paid in full and account was closed. Shortly after I started to receive letters for outstanding balance of equipment charges, so I called explained the situation and was told everything was taking care of. This continued to happen. They eventually turned me into a collection agency called diversified consultants who has since then hurt my credit. Diversified consultant agency was extremely rude, and employee 's at XXXX XXXX could not speak English very easy to see who XXXX up here. I would like it to be removed from my credit report. I am not the first to have this happen from XXXX XXXX, apparently this occurs quite often.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc they have been contacting me at my office I told them to stop contacting me at work and they keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
i have done no business with these third party debt collectors ive requested proper debt validation in which is still not available and ive also filed reports of identity theft this is in violation of fcra policy due to improper debt validation with signed contracts or some sort of information to prove that i been provided a service from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MARINER FINANCE, LLC
State: MO

Complaint narrative:
XX/XX/XXXX Personal Finance Company XXXX contacted me from XXXX advised she was handling my account with Mariner Finance and that I was one payment behind. I advised I would pay one payment of {$110.00} on XX/XX/XXXX. XXXX then attempted to collect a 2nd payment from me that was due XX/XX/XXXX not past due yet. I advised payment was not past due yet and XXXX used a derogatory term toward me and spoke down to me by calling me " honey ''. I asked to speak to a Supervisor and she transferred me to a Mariner Finance branch. I asked the lady at Mariner to speak with XXXX 's supervisor and she transferred me to XXXX XXXX 's voicemail with Personal Finance Company. I left a voicemail message and XXXX XXXX called me back about 30 minutes later. XXXX XXXX advised me she was confused about why I was complaining and that XXXX was only doing her job. I repeated back to XXXX XXXX that her stance was XXXX was doing her job. I requested an address to write a letter of complaint and XXXX XXXX refused to provide me. I then asked to speak with her boss she advised she was not available and would not provide me with a phone number or address to contact her boss. She did provide her bosses name XXXX XXXX and stated she would have her contact me. XXXX XXXX then terminated the call. I believe that calling someone honey or sweetie you're telling them you see them as a subordinate, a child, someone who needs benevolent patronage.

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 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: First Credit Services Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I contact First Credit and agreed to pay the outstanding debt of {$120.00} from XXXX, even though I disputed it, because I needed my credit bureau updated to get a loan. This debt is one of the reasons I was denied. They refused to remove it, even if I paid. Upon receiving the validation of the debt, I discovered that the last payment made was XX/XX/XXXX. Therefore, after 7 years, this debt should have been removed from my credit report. I complained to the company. They didn't respond. I filed a complaint with the XXXX XXXX XXXX and the company 's response was that the statute of limitations in Ohio was 8 years and that they were going to continue to report it because they had been trying to collect it for several years. Regardless of whether or not I have paid or not, they are obligated to remove it from my credit bureau after 7 years, even in Ohio. I verified with the Attorney General 's office that this is correct. They may be able to continue to try to collect ( I don't know I haven't looked into that ) ... but they need to remove it from my credit reports ( all three ). They are refusing and violating my rights over {$120.00} because I have ignored their collection calls for years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had a credit card called Care credit through Synchrony bank my credit limit was {$1500.00}. I had a balance of XXXX dollars and I paid it off this XX/XX/2019 As soon as I paid it off they closed my account stating that my credit to low and some other stuff that was supposed to be on my credit report.If that was the problem why did they allow me to get the card in the first place. I had the card over a year or so.they told me that I would have to go through the whole process again to get try and get the card back.

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 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/19 I disputed the account LVNV Funding is reporting on my credit report with the 3 bureaus. I also initiated my own investigation with LVNV Funding requesting Validation of the debt. USPS Tracking XXXX XXXX XXXX XXXX XXXX. 

LVNV Funding only sent me a copy of a bill. This is not validation and since they can not provide proper validation this account needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
i have done no business with these third party debt collectors ive requested proper debt validation in which is still not available and ive also filed reports of identity theft this is in violation of fcra policy due to improper debt validation with signed contracts or some sort of information to prove that i been provided a service from this company

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