vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
This debt originated XX/XX/2018 with XXXX XXXX XXXX in XXXX XXXX I submitted my XXXX information as follows XXXX XXXX for payment I also filed for bankruptcy on XX/XX/2018 & included all my debt including all outstanding medical debt which was discharged on XX/XX/2018. Im receiving derogatory collections on my credit bureau reports of this debt from CMRE FINANCIAL SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I went to an XXXX XXXX store on XXXX to purchase a few items for my grandkids. A girl in the store approached me and asked if I had an XXXX XXXX card and I said yes, then she said would you like to up grade it to a XXXX card and made all these offers and discounts on the purchases I would make so of course I agreed. I never dreamed they would send a different card with the amount I spent that day which doesn't make sense why would I apply of an XXXX XXXX card if I have one. And, if they upgraded to XXXX I would still just get more credit and a new card with a XXXX XXXX. I am having enough problems paying my bills these companies do that so they can charge you INTEREST ON TWO DIFFERENT ACCOUNTS FOR THE SAME PLACE. Synchroncy Bank is famous for that they did that once before at a XXXX  store and I couldn't get out of it. So this time I'm over it.

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 2019-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
We tried to purchase a house. We informed the Mortgage Lender USBank Home Mortgage  about all of our circumstances. We had donated a piece of property to the XXXXounty land bank that had taxes owed on it. It was not a Foreclosure in Lieu of Deed situation, we didn't have to and were not forced to and there were no liens or legal actions imminent or active. There also was no involvement of the XXXX County Treasurer or Auditor. We had been assured of this by the Administrator of the XXXX XXXX XXXX   XXXX XXXX ( land bank ). Knowing all the facts They still accepted our Application Fee of {$430.00}, knowing or should have known that they were going to deny our application when their Underwriter made the determination that no matter what we were told, or that it was structured as a sale including liabilities, that it was, in fact, a Deed in Lieu of Foreclosure and would not grant us an exception even though we were qualified in every other 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 monetary relief
Consumer complaint received 2019-08-02 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: Credit Technologies, Inc.
State: MD

Complaint narrative:
ON XX/XX/2019 I CHECKED MY CREDIT REPORT & FOUND AN INQUIRY ON XXXX THAT I WAS NOT AWARE OF. THE INQUIRY WAS FROM CREDIT TECHNOLOGIES SO I CALLED THEM TO FIND OUT WHY THEY WERE PUT ON MY CREDIT REPORT. THEY INTURN TOLD ME THAT THE INITIAL REPORT CAME FROM XXXX XXXX. I WAS TOLD BY CREDIT TECHNOLOGIES THAT SOMEONE ( XXXX ) FROM XXXX XXXX PULLED MY CREDIT REPORT FOR A MORTGAGE INQUIRY ( WHICH I NEVER CALLED ANYONE FOR A LOAN OF ANY KIND ). SUPPOSEDLY, THAT HAPPENED IN XXXX OF 2019. I CALLED XXXX XXXX TO GET TO THE BOTTOM OF THIS INQUIRY & THEY COULD NOT HELP ; THEY HAD NO RECORD OF ANYTHING WITH MY NAME ( WHICH OF COURSE, THEY SHOULDN'T ). I CALLED XXXX XXXX AGAIN TO HAVE THEM REMOVE THE INQUIRY THAT WAS SENT TO XXXX & THEY SAID THEY COULD NOT DO THAT. ALSO, XXXX WON'T REMOVE IT EITHER. I WANT THIS INQUIRY REMOVED ; I DID NOT INQUIRE ABOUT ANY KIND OF LOAN FROM ANYONE!!! 
PLEASE HELP GET THIS REMOVED FROM XXXX. THANK YOU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY
State: CO

Complaint narrative:
Last year, around XXXX we contacted towne mortgage in regards to a drastic payment increase. The payment was {$1000.00}, and increased to {$1800.00} with no warning or notice until this bill. We were informed the reason for the drastic increase was an increase in Insurance payments on XX/XX/2018 ( payment increased to {$4800.00} from {$1300.00} ) and we were NOT notified of this until we received the new notice for billing in XXXX. Upon them telling us this, we asked for options to help as we could not afford the current payment as it was more than one paycheck and we would be late every month cause this amount was not available to us. We were told to shop and change insurances which we did, finding a much cheaper plan at XXXX. We were told to get the refund from the old insurance and pay the new premium, which we did. We called and informed towne mortgage of this, and was told the payment would be adjusted when the account was reviewed upon receiving new insurance information. and the amount we had been behind in escrow paid off. It is now XXXX and I have contacted you'll again and nothing has changed. I was informed today however the reason it didn't change sooner as that we never sent in anything showing we paid insurance. HOWEVER you'll already have the new insurance information on file on your website, including when its due and how much!. My escrow however was NEVER adjusted to reflect this change. This has caused an undue hardship on our family, due to a constant struggle to afford the mortgage, and repeatedly receiving late fees as I do not make enough to make the payment in one pay period. I have spoken with you'll on a few occasions through the year, and was never informed this should have been fixed or how to. If my escrow account had been corrected when this was all discovered, not only would the stress of the situation have been resolved, but the late fees would have been avoided. We have accrued and paid you'll ( Towne Mortgage ) 100 's in late fees due to this error not being corrected to the escrow amount. we are demanding this be fixed immediately, adjusting the monthly escrow payment, and also expect a refund for the late fees due to this, as we made it aware to you'll multiple times over the past year we were unable to afford this amount, and NEVER was this corrected or told to us how to correct the issue. Currently our escrow is scheduled to be overfunded by the end of the year with the current payments, and with the expected new payment due to the amount already overpaid. We would like this refunded ASAP also.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-02 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: OH

Complaint narrative:
I few months back for first time pulled my credit report and I seen that XXXX was on my credit report I have never got a account with them or appiled or ever even used them I disputed the account and they sent me a letter stating they investigated it and came back to me and I never received the method of verified information on how it would even be possible they could since I know I never opened this account! I also then sent my FTC report and they again sent me same letter the sent month or so before that they fount this is my account but never any information on how this is fount to be when I know this isnt my account. I sent them my ftc report and the FTC rights and still reporting and to top it off not only reporting a account that isnt mine but also reporting inaccurate information on my report for this account also. stating it is a closed account but keeps updated to different items and late payments which how can you have late payments on a closed account? This company is violation of my rights from me sending my ftc report. From never receiving their proof of how this is fount to be my account because no information was sent to me and also reporting inconsistencies information on my report on equifax. I will upload all the inconsistencies and also I sent them again a email with my ftc report. Stating last payments where made on one date and on another report a whole few months off on another for last payment when I know this isnt my account so I know Ive never made a payment to account never opened or knew about and also opened days of account inconsistencies and also closed dates are inconsistencies this account is violation of my rights and needs deleted now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: AL

Complaint narrative:
Two collections items appeared on each of my credit reports ( XXXX  and XXXX  ) XX/XX/XXXX. The debits are claimed to be from XX/XX/XXXX, for {$50.00} and {$32.00}. I have no knowledge of these accounts. I called their ( AMERIFINANCIAL SOLUTIONS ) number ( XXXX ) provided on the credit reports. On the phone call, I provided my Information ( SSN, DOB, First and Last Name ), the person would not provide an account number or any information on the debit and hung up the phone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I applied to have a credit freeze placed on my credit reports XX/XX/XXXX with all three major credit bureaus. XXXX and XXXX took a matter of minutes to complete, Equifax required me to call into a number. 
I placed multiple calls XX/XX/XXXX and finally reached someone. I was told they could not access my credit report and had to submit additional information BY FAX including a Social Security card, Passport/Drivers License, or other items to confirm my identity. 
They refused to say what aspects of my credit report were missing or incorrect and would not provide any further relief. 
They have refused to place a freeze on my credit, despite being the company responsible for an enormous data breach that exposed my personal information thus necessitating the need for a credit freeze to further protect myself. I find this position to be completely hypocritical and untenable to all those affected by their negligent caused breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank
State: GA

Complaint narrative:
I paid the security deposit the card company ( First Progress ) required to open the account with them and they closed my account without me knowing and without refunding the {$300.00}. They said the {$300.00} security deposit was refundable but they never did refund me. I've signed in and it shows that I have it in there and I called the customer service number on the statement, but when I call it doesn't except any of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My current credit card report shows me having late payments since 2014 which were not my fault. 

Many times I ould go into a Wells fargo branch to make an equity line payment only to be told by a teller that I don't owe anything. Then I would start receiving harrassing phone calls from Wells Fargo telling me I am delinquent ... so I would go back to the bank only to show I owe for 2 months I never logged a complaint as I never looked into my credit report until fall of last year. 

Just recently this I went into a branch and had the teller tell me I didn't owe anything once again I went back a week later to speak with a banker. She looked into her " banker '' system and showed me delinquent owing for 2 months ... She then looked into the " teller '' system and showed me owing nothing. She made a copy of boths screens for me a proof and also helped me log a complaint with Wells fargo. 

There are obvious errors occurring on their banking system Its been over 2 months and still zero response

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 2019-08-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME. IT'S A REPORTING DEROGATORY ACCOUNT ON MY CREDIT FILE THAT'S BEEN CAUSING TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ISSUE AND HAVE THIS NEGATIVE MARK OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 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: Supreme Lending
State: MD

Complaint narrative:
ON XX/XX/2019 I CHECKED MY CREDIT REPORT & FOUND AN INQUIRY ON EQUIFAX THAT I WAS NOT AWARE OF. THE INQUIRY WAS FROM XXXX XXXX SO I CALLED THEM TO FIND OUT WHY THEY WERE PUT ON MY CREDIT REPORT. THEY INTURN TOLD ME THAT THE INITIAL REPORT CAME FROM SUPREME LENDING. I WAS TOLD BY XXXX XXXX THAT SOMEONE ( XXXX ) FROM SUPREME LENDING PULLED MY CREDIT REPORT FOR A MORTGAGE INQUIRY ( WHICH I NEVER CALLED ANYONE FOR A LOAN OF ANY KIND ). SUPPOSEDLY, THAT HAPPENED IN XXXX OF 2019. I CALLED SUPREME LENDING TO GET TO THE BOTTOM OF THIS INQUIRY & THEY COULD NOT HELP ; THEY HAD NO RECORD OF ANYTHING WITH MY NAME ( WHICH OF COURSE, THEY SHOULDN'T ). I CALLED XXXX XXXX AGAIN TO HAVE THEM REMOVE THE INQUIRY THAT WAS SENT TO XXXX & THEY SAID THEY COULD NOT DO THAT. ALSO, XXXX   WON'T REMOVE IT EITHER. I WANT THIS INQUIRY REMOVED ; I DID NOT INQUIRE ABOUT ANY KIND OF LOAN FROM ANYONE!!! 
PLEASE HELP GET THIS REMOVED FROM XXXX. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
XXXX - XXXX Nationstar Mortgage could not show any paperwork regarding mortgage or note, except public record copies. 
XXXX - XXXX, attempting to put an end to this, I Fully Satisfied the Note & Mortgage XXXX - XXXX they were allowed to continue towards foreclosure and return payments instead. 
XXXX - XXXX No payments returned, they foreclosed on a debt free home, kept all payments and are now evicting me. 

The judgment of foreclosure was achieved through fraudulent paperwork based on public record copies and with super imposed signatures. 
The home has been debt free and clear since XX/XX/XXXX. XXXX XXXX and Nationstar are involved in fraud and unjustly enrich themselves. 

Attached please find : 1 ) Payoff statement request, 2 ) Copies of both Lump sum Payments, 3 ) e-mail from Natiostar thanking me for the two payments, 4 ) XXXX reporting the mortgage / note Active before payment and Inactive after payment was posted into their account. 5 ) independent real estate company who looks up loans and leans on properties show that the home holds no debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: KY

Complaint narrative:
This issue involves Equifax Credit Reporting Agency and an error they said they verified as accurate which it is not. 

I co-signed a student Parent Plus loan for my son for his first year of college in XXXX at XXXX University in XXXX, Kentucky. The very next school year our son transferred to the University XXXX XXXX in XXXX, XXXX  and my wife, XXXX XXXX XXXX signed for a new Parent Plus Student Loan for his University XXXX XXXX education cost and consolidated the XXXX Parent Plus Loan into one loan. My name was no longer on a student loan from that point on. 
Years later, someone somewhere decided that I still owed this total debt irregardless of the fact that it was completely transferred out of my name in XXXX which I have documents to back up. We sent these and other court related discharged records in to Equifax but they still report the amount as being owed with accrued interest of course which is now double the original amount. My wife had this completely in her name and years later, she was diagnosed with XXXX XXXX and is on SSDI. All student loans, including all Parent Plus Loans were completely discharged in our Chapter XXXX Bankruptcy case that was filed in XXXX and completed in XXXX. A year or so later, the loan previously mentioned re-appeared on my Equifax Credit Report to which we submitted court orders and proof of when it was consolidated into my wife 's name only. We have an attorney, XXXX XXXX, which we can and will hire to fight this if necessary but will cost us more money to fight something that Equifax is doing to me and my credit standing. In addition to having court orders of discharge for all the student loans, I also have documents backing up this claim from the National Student Loan Data Systems ( NSLDS ) showing I have no outstanding student loans in my name so it makes one wonder how is it possible that Equifax found that I owe student loans and where is there proof which they did not provide very accurately at all. I am asking for assistance in this matter as my wife and I have certainly suffered from their unfair reporting practices and we, especially my wife, have suffered enough and seek assistance from you to fix this terrible and costly error caused by Equifax. Additionaly, I have a letter from the XXXX XXXX XXXX XXXX XXXX XXXX stating I do not owe and they sent a letter of correction to all CRA 's to remove from my history and only Equifax has not done. It has taken me two years trying to get this removed as illness and deaths have occurred in my family leaving me little time to deal with their inaccurate reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Burton Neil & Associates, P.C.
State: PA

Complaint narrative:
On XX/XX/XXXX, I sent a cease of communication letter to Burton Neil & Associates to cease all communication with me. I sent the cease of communication letter via certified mail. The cease of communication letter was sent after I had received a letter in the mail on XX/XX/XXXX in regards to a disputed debt from XX/XX/XXXX, which was from a different creditor, a XXXX XXXX, who I have never heard of and who also never responded to my validation of debt letter I sent to them dated from XX/XX/XXXX, 16 months ago. On XX/XX/XXXX, I received a package in the mail stamped XX/XX/XXXX from Burton Neil & Associates. This package was sent after I sent a cease of communication order thar specifically requested not to be contacted by any form of communication. I am a XXXX percent XXXX and at home veteran, with XXXX and XXXX from being stationed at the XXXX during XX/XX/XXXX. My cease of communication request was ignored by their office and they have violated the FDCPA. The package received in the mail on XX/XX/XXXX has caused intentional emotional distress on me. The package has been sent back refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
On or around XX/XX/2016 XXXX XXXX XXXX or XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX, Accessed via XXXX XXXX XXXX XXXX, sensitive consumer data, upon collecting this data and information, someone claiming to be a 3rd party to my XXXX XXXX XXXX showed up and took pictures of my vehicle, inquired into my payment status, I spoke to USAA directly and made payment arrangements and was up to date on the payments after being late. Yet, someone accessed my consumer report, and was pretending to be a 3rd party representative of USAA and claimed to be there to take pictures for USAA in case they had to reposes the automobile. Upon asking USAA was informed they do not hire 3rd parties to go out to a consumer 's home and suggest the vehicle is going to be reposed, especially if they have provided confirmation numbers and statements contrary to such action. That person was not a 3rd party affiliate of USAA nor compensated by USAA to harass the consumer at XXXX XXXX XXXX XXXX XXXX ks 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 2019-08-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I paid the remaining debt owed to Bridgecrest on XX/XX/2019. One month later I reviewed my credit score which displayed an open account that was previously closed once the final payment was received and verified by Bridgecrest. My credit has decreased dramatically due to this issue.

Company response to consumer: Closed with explanation