vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sentry Credit, Inc.
State: FL

Complaint narrative:
I received a major amounts of call and it would be a voice system and I would leave messages and never get a call back. The first time I received a collection notice was on XX/XX/XXXX for collection on an account that was discharged in my bankruptcy on XX/XX/XXXX. The debt was held by XXXX/ XXXX XXXX  XXXX . taken out on XX/XX/XXXX in amount of {$5200.00}. 
However this debt was included in my bankruptcy that has already been discharged as stated above. 

After I received the collection I called and spoke to a man named XXXX at ext. XXXX at XXXX XXXX. XXXX advised me that he was collecting on above account that was not paid. But he couldnt tell me the date the loan was taken for or the company who serviced loan, so he would forward info to my house. He proceeded to get nasty after I advised him that this debt was included in my bankruptcy and was discharged. I told mark per my lawyer XXXX XXXX at XXXX that any collection attempts should be forwarded to him. XXXX proceeded to tell me that once the bankruptcy was discharged they had a right to collect on debt. 

I then proceeded to call both XXXX/XXXX XXXX XXXX and was told that they didnt have any information on me in system. I was forwarded just Incase by XXXX id # XXXX from XXXX XXXX to their own collections department. Where I spoke to XXXX and she advised me that they didnt have such debt in their system either. 

So on XXXX at XXXX XXXX I put in a claim against Sentry Credit , Inc. to the XXXX XXXX XXXX claim # XXXX. I recently received a response on XX/XX/XXXX from Sentry Credit inc. Stating that our client received an OCC complaint from the consumer and we are waiting for them to respond before we respond to her rejection. May please get an extension on the due date of our response? 

I called OCC on XX/XX/XXXX at XXXX XXXX and spoke to XXXX id # XXXX said that I nor anyone on my behalf filled a complaint with the OCC. She checked under my maiden, married name and zip code for last 5 places I lived. XXXX was the one to advices me to file a complaint with your bureau because you cover all collection agencies. So I called your agency and spoke to XXXX id # XXXX who advised me after hearing my story to file a complaint online so I can include supporting documents. 

Attached you will find the documents that provide proof that XXXX/XXXX XXXX  XXXX. was included in my bankruptcy and was discharged with bankruptcy. I also attached a copy of my credit report showing that the status of the above debt was discharged and has a XXXX   balance.

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 2018-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have a falsely reported derogatory creditor on my credit report. 

I had an account with XXXX XXXX XXXX with a credit limit of {$400.00}, in which the last payment on the account was XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. It appears XXXX XXXX purchased this debt in XX/XX/XXXX, and is requesting an amount of {$1100.00} to clear the debt. 

I have attempted to file disputes regarding this debt, with no resolution. 

XXXX XXXX last reported to XXXX and XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: AZ

Complaint narrative:
Over the past few months, I have received countless calls from unknown and random numbers. When I answered the call, it is a computer voice saying that my social secruity number has a debt collection on it and I need to call a number. When you call the number, the person that answers asks for your name and social secruity number. Obviously, I thought it was fake and I didn't give them my person information. Over the weekend I received a XXXX alert saying that I had a debt collector after me. XXXX XXXX   provided me the name of the debt collector, Hunter Warfield. I called the company and talke to an extremly rude person that told me I was lying ( I told him I didn't have outstanding debt and I wasn't sure what this was all about ) and demanded my social secruity number. Again, I didn't give him it. I did give him my first and last name and the last XXXX of my SS. This gave him enough to tell me my old apartment complex, XXXX XXXX XXXX, filed for a debt collection because I apparently didn't pay to break my lease ( which I 100 % did pay on time ). The guy at Hunter Warfield told me to fax them proof of payment, which I just did. I have an email confirmation from XXXX XXXX on XX/XX/29 saying I payed the full amount and it also shows I have a Zero Balance. Now what? XXXX XXXX XXXX inaccurately reported debt information on my credit report. A debt collector has been harrasing me for months now, they have been disrupting my work life, and they really disrupted today 's work. I felt compelled to reach out to the CFPB because I don't have the money to get a lawyer and now I am worried that my credit has been negatively impacted. I also don't know if I this is settled now that I have shown the debt collection company that I payed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2018 I checked my XXXX XXXX score and was SHOCKED to see that in about 10 days, my score had dropped by almost 30 points. They also noted a hard inquiry from Synchrony Bank ( Credit Cards/Airlines ) that was applied for or posted on XX/XX/18. 
I never applied for a credit card or had an inquiry run and this is fraudulent. 
I called Equifax on XX/XX/18 to be told that they saw no such inquiry on my report. 
I can not even get through to XXXX. 
I called Synchrony Bank and was advised that they have no record of anything and I was given the runaround to call the credit bureaus. When I call the credit bureaus I am told to call Synchrony. 

Can you please help me? I asked for no inquiries and have not applied for anything. 

I look forward to hearing from 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 non-monetary relief
Consumer complaint received 2018-09-04 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: Summit Financial Corp.
State: CA

Complaint narrative:
This company is still reporting inaccurate information to 2 of the 3 major credit bureau 's. XXXX has deleted them from my credit report after reviewing my complaint and dispute. I have sent in several requests to have this information verified bearing my signature, dates, and accuracy of the alleged amount. They have not supplied me a single copy or response to my request since XX/XX/2018, when the 1st request was made. I am now seeking legal action. I have sent my requests out via certified mail and have all of my documents ready to go for proof of service. 

Summit Financial Corp, is doing bad business. They are not updating accounts correctly and they are not reporting cars that have been resold for their profit. This company is charging on going interest monthly on accounts that have been closed out. They do not verify information that is being requested. 

Summit Financial Corp XXXX XXXX XXXX XXXX XXXX, FL. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: F.H. Cann & Associates, Inc.
State: CA

Complaint narrative:
I took out an education loan for my son while he was attending the XXXX XXXX XXXX XXXX. The loan went into default. I was sent an email from the U.S. Department of Education on XX/XX/XXXX regarding my XXXX XXXX XXXX " The U.S. Department of Education recently recalled your defaulted student loan account from XXXX XXXX XXXX 

You can now make payment arrangements without paying additional collection costs, but you must call us before XX/XX/XXXX. '' This was the only communication that I received from them regarding this matter. I didn't get a letter nor was a message left on my phone. I didn't get this email until today, XX/XX/XXXX. 

However, they quickly sent this to collections with F.H. Cann. I received a letter dated XX/XX/XXXX which I didn't received in the mail XX/XX/XXXX. 

This could have been avoided if the U.S. Department of Education had given me reasonable time to contact them. Nor was I ever informed about the XXXX XXXX XXXX XXXX XXXX. I worked in public service for the County of XXXX for 31 years. I retired in XX/XX/XXXX. My husband had health complications which continues to today. In addition, the former servicer for my loan refused to send any documentation I asked for in writing. His response was " Because we don't send anything in writing. '' I am disputing the additional costs that have been tacked on to this loan in the amount of {$1900.00} for legal costs plus any part of this loan which should have been forgiven under the XXXX XXXX XXXX XXXX XXXX. I can resonably make $ XXXX payments for balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Hi XXXX XXXX purchased a charged off account - credit card ( XXXX max ) and have been harassing me for years to pay this at 3x the amount I ever owed. Asking XXXX pay off. I have tried to negotiate to no avail. I have asked for itemized billing but they send nothing. Please advise them to remove that debt from my credit report thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
XXXX MONEY REFUND Date : XX/XX/2018 To : XXXX XXXX, XXXX and XXXX XXXX   XXXX, XXXX From : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX, TX XXXX XXXX : XXXX XXXX - {$3000.00} - XXXX XXXX XXXX, XXXX XXXX, TX XXXX This letter today is to request my XXXX Money of {$3000.00} from XXXX XXXX, XXXX. I am of sound mind today and understand today that I was not confused but was not informed of the Projected Payments such as Principal & Interest, Mortgage Insurance, Estimated Escrow and finally the ESTIMATED total Monthly Payment from the lender XXXX XXXX XXXX, XXXX would be greater than what I signed on the Closing Disclosure XX/XX/XXXX - At that time I understood the total monthly payment as XXXX per month as I had made this clear from the start of the Executed Contract and loan process ; and when I signed the Closing Disclosure again on XX/XX/XXXX ( see attached CD ) I understood this as my final monthly payment for the next 30 years. 
My fear arose on the day of closing XX/XX/XXXX the closing documents promissory note stated XXXX plus a month ; This was so confusing not only because I do not fully understand the lending and closing process but the only clear understanding from the beginning of the Contract and the Loan was this I was very clear from the beginning that I can not afford to pay a house note of XXXX plus a month Today I kindly beg with much respect that XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX return my XXXX Money of {$3000.00} due to the fact that I did not understand how this came about or much less, why the documents in a closing are not in XXXX this would have been better for me, but most of all why the Salesperson as XXXX XXXX, XXXX has to explain the loan process when she would say one thing, and the lender would say different ; why did the lender not explain this to me, Im very hurt, discouraged and still upset about the whole ordeal. 
I understand this letter as my basic XXXX of my understanding of what took place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I had my account set up with Ally Financial on automatic payment. When my lease was up I extended my lease yet they they failed to notify the me that the auto-pay deactivated. 
I have always made my payments on time never being late the term of my lease.

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 2018-09-04 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: TN

Complaint narrative:
FIRST XXXX XXXX WAS DELETED OFF MY REPORT AND NOW MY REPORT WITH EQUIFAX HAS BEEN WIPED CLEAN AND PREV NEGATIVE HAS BEEN ADDED BACK. THE Fair Credit Reporting Act requires that the credit bureau inform you before they re-report a previously deleted listing in which hasnt been done and now requires a break of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
As times are bad financially, I have been a bit behind on the monthly payments. Of course here come the {$38.00} late fees. I have called and wrote the company -- -Capitol One -- to ask for am easier monthly pay plan till my financies improve, but was denied. I did request the late fees -- 3 and counting -- be waved during this and was of course denied. Yes, the company does have this right but that does not mean they HAVE too. All payments not their minimum will be given late charges. Pure..FREE.. money for this company. What can be done???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Accurate Background
State: CA

Complaint narrative:
To whom it may concern : This is an issue that I had/have addressed previously with your organization. I called today to the CFPB, and it was suggested that I might be well behooved to file a second and separate complaint, since this matter has still not been resolved. 

I ( will keep this as brief as possible ) as the details can be viewed in the previous complaint. 

The company in question is Accurate Background. This background check/reporting company sent me a letter dated XX/XX/2018, with a 'corrected ' background check / report that STILL has incorrect and of course more important, still is damaging to my reputation and ability to get a job going forward, etc. 

I have lost FIVE months of employment ( part time ) with XXXX XXXX, since this background report company provided XXXX XXXX  a seriously inaccurate report, and my offer of employment was declined. 

Thank you in advance for your assistance. 



Sincerely, XXXX XXXX XXXX-XXXX-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 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:
On XX/XX/2018 I checked my XXXX XXXX score and was SHOCKED to see that in about 10 days, my score had dropped by almost 30 points. They also noted a hard inquiry from XXXX XXXX  ( Credit Cards/Airlines ) that was applied for or posted on XX/XX/18. 
I never applied for a credit card or had an inquiry run and this is fraudulent. 
I called Equifax on XX/XX/18 to be told that they saw no such inquiry on my report. 
I can not even get through to XXXX. 
I called XXXX XXXX  and was advised that they have no record of anything and I was given the runaround to call the credit bureaus. When I call the credit bureaus I am told to call XXXX. 

Can you please help me? I asked for no inquiries and have not applied for anything. 

I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: NJ

Complaint narrative:
On XX/XX/XXXX I checked my XXXX XXXX score and was SHOCKED to see that in about 10 days, my score had dropped by almost 30 points. They also noted a hard inquiry from XXXX Bank ( Credit Cards/Airlines ) that was applied for or posted on XX/XX/XXXX. 
I never applied for a credit card or had an inquiry run and this is fraudulent. 
I called XXXX on XX/XX/XXXX to be told that they saw no such inquiry on my report. 
I can not even get through to Experian. 
I called XXXX Bank and was advised that they have no record of anything and I was given the runaround to call the credit bureaus. When I call the credit bureaus I am told to call XXXX. 

Can you please help me? I asked for no inquiries and have not applied for anything. 

I look forward to hearing from 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 non-monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Back in 2016 my car was paid off in full, the bank cashed my check and I never received a title. I have tried to get a lien release from the bank for the last 3 months. I am trying to sell my car and need the title. I have called the bank every day for the last 2 months asking where it's at because it never showed up. They told me it was rushed and over nighted and that I should have it in the next few days and every Day that I have called them since it was supposedly sent. I call them to ask where it's at they always tell me it's on the way and I have yet to receive it. They have laughed and hung up on me. And they have lied about it being in the mail. I have done everything I know to do and I can't get any further and I'm not sure what else to do. The license branch told me to file a complaint so I can get this taken care of. I hope this helps to get me the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX pm I got a call from my bank BOA. They told me that they had detected some suspicious transactions and they were just making sure it wasn't fraud. I explained to them that I was at work and that I hadn't made any transfers or transactions. They told me they would take care of everything and not to worry. I have proof of this phone call on my phone records. At XXXX the first transfer was made via XXXX and at XXXX the second transfer was made. I did get confirmations on the transfers but I was working and I assumed this was what she was speaking to me about. Apparently, they were already in my account when I was speaking to the fraud representative and she didn't notice. They had emailed me asking me if I signed on to my online ID because they detected that there was a sign on from an unknown device. I didn't read the emails because I was at work and I work at a restaurant. I'm not even allowed to have my phone on me. Well even though all this happened they decided to deny my claim stating that I was the one that made these transfers. The recipients name were XXXX and XXXX. Yes not even an actual name. This is unbelievable. They warn me of the fraud then fail to protect my account and then say I did it. Now they don't want to give me my money back. I need some help please.

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 2018-09-04 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:
I have been getting alerts about hard inquires from someone checking my credit report. I have not recently applied for any type of loans and should not have any hard inquires, Please have these removed. I am a re-occurring victim of identify theft. Please update my report and correct this. 

Equifax -XXXX  XXXX  XX/XX/XXXX,XX/XX/XXXX -XXXX XXXX XX/XX/XXXX, XX/XX/XXXX -XXXX   XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX -XXXX   XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX of XXXX  XXXX XX/XX/XXXX -XXXX   XXXX XX/XX/XXXX -XXXX  XXXX  Bank XX/XX/XXXX XXXX -XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX,XX/XX/XXXX XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX , XX/XX/XXXX -XXXX XXXX XX/XX/XXXX, XX/XX/XXXX -XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation