vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-09 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: AFNI INC.
State: AL

Complaint narrative:
AFNI has a XXXX collection against me for the amount of {$300.00} on my credit report. I have never been a customer of XXXX. So when I called, I found out it was for service at property address XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX in which I previously owned. Problem is, the account was set up and closed in XXXX and I sold this home on XX/XX/XXXX as you will see on the attached satisfaction of mortgage. 

Due to me trying to close on a new home ASAP, I asked AFNI to accept my payment in full but to issue a courtesy deletion as the account is not mine rather than go the whole fraud route. They declined to issue a deletion of the account once paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
They called from this number XXXX on XX/XX/2018 XXXX XXXX and XX/XX/2018 at XXXXXXXX XXXX. Its a recorded message left for a XXXX sounds like XXXX or XXXX to call Loan Depot. I called them to tell them they have the wrong number to stop calling. They informed me sorry but unless I have the loan number or SSN number nothing they can do. I said, How would I have that information? Its not my debt. Sorry. I said ok. I will just report you to the FTC or harassment and hung up. The return telephone number on the recording is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Northland Group Inc
State: MI

Complaint narrative:
Keeps calling and sending letter on a credit card that I never had>>> claming to take my home and sending me to prison for no paying there bills!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: TX

Complaint narrative:
This is a written letter that Experian has requested that I gave to write in my request. 
It comes down to someone with in Experian has been running my credit to obtain credit to defraud me I have proof I have not applied for credit in over 90 days and credit report shows companies that dont no me or even deal with the type of credit that was ran for through experian, experian I filed complaint and now am blocked from writing calling and even online account. and now the person that blocked me was a manager for the special handling unit named XXXX and both managers are Female thats proof of security breach within the company they refused to give me my credit report request when denied credit so if this problem is not fixed I will report it as a possible XXXX attack on my social security account the companies that are on my report experian has told me on recorded line that the only information on some of these account only show they provided name and date of birth no SSN then applying a fraud alert on my account and sending to the three other reporting agentsys they put fraud alert but experian cant show who requested the fraud alert and I am blocked from calling and online account and righting per my pryor complaints through the FTC and CFPB and the Texas Attorney Generals office the problem is coming from the possible XXXX attck from a male Manager in special handling unit manager but special handling unit managers are Female. 
They told me I had to write a letter I told them I cant read or write well because of my XXXX they said my XXXX has no bearing on this complaint so they dont care. XXXX discrimination. I am being helped by the spelling from my wife for this complaint. Here is some of thecompaneys that dont exist or ever heard from my or show me evere applying with them XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 non-monetary relief
Consumer complaint received 2018-07-09 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: IN

Complaint narrative:
I belong to a website that states my credit information and there are two separate hard inquiries on my account that do not belong to me. Someone is trying to steal my identity.

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 2018-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On the following dates Synchrony financial charge me late charges without notice and also reported me to the credit bureau for being 2 days late! 
I pay my account on their site every month. On the following dates Synchrony financial charge me late charges due on XX/XX/XXXX and cleared on XX/XX/XXXX Charged {$25.00}. due on XX/XX/XXXX and cleared on XX/XX/XXXX charged {$28.00}. and due on XX/XX/XXXX cleared on XX/XX/XXXX. Charged {$29.00}. Every time I pay more than the minimum due, and they have been charging me a late fees without notice. When I called the CSR refused to help only saying that's their policy!

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 monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
This USAA FSB account XXXX was Paid-in-Full in XX/XX/2014. I filed for Bankruptcy on XX/XX/2014. How can this account be listed as " Derogatory '' and " Payment Plan '' and " Chapter XXXX '' when it was clearly paid and closed a month prior to the filing of my Bankruptcy? Please delete the erroneous information as this account is " PAID '' and " OK '' and " CLOSED BY CONSUMER ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I opened an XXXX XXXX  XXXX XXXX card in XX/XX/2017. When signing up for the card, I put in my XXXX  account number. I am supposed to get a free night certificate on my one year anniversary. 

Somehow, on XX/XX/XXXX, American Express changed the XXXX account number on my file to that of my brothers. This itself is another privacy issue. I called them 3 times about changing this back, but the person on the phone could not do it. 

Anyway, one year has passed, and now when I check on the status of my free night certificate, they tell me that it has been issued already. To the wrong account. They tell me to talk to XXXX. I talk to XXXX and they said to talk to Amex. 

Amex tells me that they have no idea how the system changed my XXXX account number to my brother. In my earlier monthly statements, the correct XXXX account number is there. Somehow, that changed in XX/XX/XXXX. 

After talking to the chat help, they finally changed the number to my correct one. However, the free night certificate has already been sent to the wrong account. 

Amex can not cancel the cert and reissue another one. They also said they can not compensate me the points equivalence ( XXXX XXXX   points ). They have wasted about 10 hours of my time on this issue which started with a data issue and privacy breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Well over 30 days ago, I submitted investigation requests to all three credit bureaus : Equifax, XXXX, and XXXX XXXX. They should have responded with the result by now, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
I took out a loan with XXXX XXXX somewhere between XX/XX/XXXX and XX/XX/XXXX.I filed Chapter XXXX bankruptcy on XX/XX/18 and contacted XXXX XXXX on XX/XX/XXXX and provided them with the Bankruptcy case number and my attorneys information. My attorneys office has also contacted this company regarding my case. We had the meeting of the creditors on XX/XX/XXXX and none of my creditors were there. I have continued to receive calls from XXXX XXXX until I blocked their number on XX/XX/XXXX.They have now reported me to a collection agency called Recovery Services/Astra Recovery and I received a call from their office today telling me that they are calling to collect a debt. I explained to the caller that I had filed a Chapter XXXX Bankruptcy case and XXXX XXXX was notified on numerous occasions about this date being included. He stated that I did not know what he was calling about I told him I did because I XXXX  the phone number and in the comments section it states that this is a debt collector for XXXX XXXX.He asked me to verify my information and I responded I will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I had paid off this credit card and they claimed I paid late hence a late charge which I ignored and they kept adding more late charges. I think I did contact them and told them this was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I had a XXXX dollar limit on this credit card. From Best buy and ity is handled by Citi bank. I make payments on this card and no matter how much I pay they still say I owe over 500 dollars. WEhen I make payments my balance should go down but every time II get a bill it is up over 500.00 dollars again. I live on social secuirity and I can not get my balance down below XXXX. so I need to have their practice investicated.

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 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Are reporting my account delinquent but the account is current and duplicated account

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 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
so the name of the company is specialized loan servicing LLC. Account number is XXXX Account : XXXX. 

So I am in Chapter XXXX Bankruptcy, but this Mortgage lender is not a part of it, My lawyer has already sent them a Written letter letting them be in contact with me to discuss anything. 

When I login to the Website I get this message " XXXX Not Viewable The Account you have selected can not be updated or viewed at this time. Please Contact Customer Assistance with questions or further information at XXXX XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Status : Bankruptcy " Even though I have been with this lender over a year, Never missed a payment and never late on a payment, And my lawyer has already written a letter giving them permission to allow access to all the information explaining they are not a part of the Bankruptcy. 

What I want is to have access like I feel I should have to my information since this is my Mortgage and I have a right to all my information. Very poor Customer service also. Have been treated like I am in default with them and talked down to. 

I Would like for them to apologize for treating me this way and most of all, I would like access to my account again.to

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 2018-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I had an FHA loan with Caliber Home Loan which was paid off on XX/XX/2018. 

I checked with FHA by calling XXXX and was confirmed that not only the loan had been paid off, but also was I told there is a balance of {$21.00} which will be refund to me through the lender. FYI, my FHA case # is XXXX. 

However the lender overpaid additional one month of PMI after pay-off on XX/XX/2018, making the balance increased to be {$200.00}. But the representative from Caliber named XXXX ( ID : XXXX ) refused to correct the error and refund to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Well over 30 days ago, I submitted investigation requests to all three credit bureaus : XXXX, Experian, and XXXX XXXX. They should have responded with the result by now, but they have not.

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 2018-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
An offer was sent to receive a {$200.00} bonus for opening a checking account. The terms stated to open the account by XX/XX/2018 and make a direct deposit of {$500.00} or more within the first 90 days to receive the bonus. 

An attempt was made to open the account online on XX/XX/18, but there was an error and said to finish by calling or going to a branch. On XX/XX/18, we went into the XXXX, MD branch to complete the application process using the promotion sent in the mail. 

Following the terms and conditions, a direct deposit was made on XX/XX/18 for more than the required amount in the promotion. After a few months, M & T was contacted via online secure messaging on XX/XX/18 to confirm if the bonus would post. An agent replied on XX/XX/18 that the bonus should post by XX/XX/18 if the account is in good standing and the requirements have been met. No bonus posted by XX/XX/18, so another secure message was sent on XX/XX/18 to inquire. M & T replied on XX/XX/18 stating that the offer was not for the primary account holder but the joint account holder. As a result, they said the bonus would not post. 

Based on this, they never set up the account correctly in the branch by not making the primary account holder the name on the offer. After speaking with the branch on XX/XX/18, they continued to insist that they would not give the bonus.

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 monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I was making extra payments on my Home Loan with Rushmoore on their web site. I made a payment in XX/XX/2018 that my Bank ( XXXX XXXX XXXX ) provided me with a withdrawl fax, clearly showing that Rushmoore had taken the money out. I provided Rushmoore with the certified letter from my bank via FAX to the Consumer Affairs department. I have spoken with 4 customer service reps, and a manager called " XXXX '', each time they tell me its be " expedited '' and they are working on it. Its been 3 weeks, no return phone calls as promised and no response, as they dont have email???? I am actually a month ahead on my loan, but not according to Rushmoore and i cant get an answer. I feel like i am calling XXXX when i call. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had paid off this credit card and they claimed I paid late hence a late charge which I ignored and they kept adding more late charges. I think I did contact them and told them this was wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Recoveries, Inc.
State: FL

Complaint narrative:
I entered into a repayment plan with National Recovery signed by me on XX/XX/2018. I made two accelerated payments, per our agreement, with the 3rd payment to be paid now on XX/XX/XXXX, which would cancel the wage garnishment and start getting my student loan out of default. On Friday, XX/XX/XXXX, I received a call stating that the company is not honoring that agreement nor the payments I already made and I am considered to be in straight default and my wages will be garnished. I have given them all of my financial information including a financial affidavit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: Innovis
State: IN

Complaint narrative:
I belong to a website that states my credit information and there are two separate hard inquiries on my account that do not belong to me. Someone is trying to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DCI Credit Services, Inc.
State: MT

Complaint narrative:
XXXX  reported to my lender that I have an uncollected debt on my credit report placed there by DCI Credit Services in XXXX North Dakota, regarding a XXXX dollar debt 3 years ago originating at XXXX XXXX. 

I filed a dispute with XXXX, having no recollection of this debt or any collection attempts. 

DCI asserted to XXXX that the reported debt was valid and my dispute was closed. 

Today I spoke to XXXX XXXX clinic. They said I did indeed pay the bill and they recalled it from DCI, however DCI continues to report it as unpaid. 

I am filing this complaint now to establish that DCI is a negligent and irresponsible company who should not be allowed to meddle with people 's credit report. 

Attached is a screenshot of my credit report showing DCI continually  reporting a debt that was paid years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This XXXX XXXX account XXXX was Paid-in-Full in XX/XX/2014. I filed for Bankruptcy on XX/XX/2014. How can this account be listed as " Derogatory '' and " Payment Plan '' and " Chapter XXXX '' when it was clearly paid and closed a month prior to the filing of my Bankruptcy? Please delete the erroneous information as this account is " PAID '' and " OK '' and " CLOSED BY CONSUMER ''.

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 2018-07-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian credit reporting. I have advised them of fraud using my social security number and the items on my credit report are fraud but they keep saying verified when that is incorrect. I have had over 15 fraud inquiries and bankruptcy that is not mine but they wont listen. My name is XXXX XXXX XXXX XXXX and all the items on my report is from my dad, 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 2018-07-09 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: NV

Complaint narrative:
XXXX XXXX is reporting on my credit that is not mine, im requesting a verification of this debt I so call owe, which I am entighteled to under the fair credit reporting act in writing within 5 days.

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