vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 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:
XXXX XXXX XXXX is still reporting to all three credit bureaus that I owe a balance.. but the car has been paid off. This is a violation of the FCRA federal law to report incorrect information to the credit bureaus. I am demanding that XXXX XXXX update the information to reflect a XXXX balance. The car was paid off as of XX/XX/XXXX The account information to the credit bureaus was updated onXX/XX/XXXX reflecting that I owe {$14000.00} which isnt correct the pay off amount for the car was {$13000.00} which was paid in full to 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 2018-05-07 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
To whom it may concern, For the record and on the record, I XXXX XXXX ; XXXX reserve now and forever reserve my unalienable rights. Chexsystems has some checking accounts listed in their system that are not mine. My identity was stolen and used to open checking accounts. I notified Chexsystems of this in good faith with the hopes they would rectify this issue. Chexsystems in bad faith has refused to remove these accounts out of my name.

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 2018-05-07 00:00:00
Product: Debt collection — Other 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: Critical Resolution Mediation LLC
State: OK

Complaint narrative:
I was contacted on XX/XX/2018 By a company that said they were collecting on behalf of XXXX XXXX. I once had an account with XXXX and it had been paid off. Come to find out after looking at XXXX XXXX I owe them {$81.00}. 

This woman XXXX from Critical Resolutions Mediation or XXXX XXXX XXXX as per my bank statement ... she started rattling off my personal information. All the address I have ever lived at, my social security number, my date of birth, my drivers license number. They said they were in the process of suspending my license with the DMV and going to press felony charges against me and also garnish my wages by XXXX XXXX  because of this debt I owed to XXXX. I supposedly owed them {$1600.00} but they would settle for {$800.00} to keep me out of jail. I never had a call like this and believed them because they new all my personal info. Said if I wanted to see my kids again, that I would settle this up before I hung up the phone or they would process all this paperwork. 

After falling for this SCAM, I googled the company XXXX XXXX XXXX out of XXXX GA, and also Critical Resolution Mediation in XXXX NC, and both companies came up as a scam. I didn't know that debt collectors couldn't threaten you, I have never had a debt. I didn't even know this was on my credit until I checked this morning. 
When I checked my credit report XXXX did show up with {$81.00} and the debit collector was XXXX XXXX XXXX out of XXXX KS. Not these con artists ... 

Anyways they took my credit card info and said I had to make 3 payments to pay off the {$800.00}. They took the first payment already and I tried to get my bank to stop it and they can't. 
Please don't fall for this scam as I did. Now I'm out {$270.00} and I hope they find the horrible people that rip people off. 
These are the names, email address, and phone numbers that harassed me. They even called my children on their cell phones at school and told them I was going to go to jail if I didn't call them. 

XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX is who initially called me XXXX The lawyer that threatened me and my kids XXXX XXXX XXXX ext XXXX The name listed on the receipt of my payment- XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
Carter-Young Inc responded to my first complaint through the CFPB on XX/XX/XXXX stating that they would delete this account from my reports however as of XX/XX/XXXX, this account is still being reported as a collection and is negatively affecting my credit. The company has failed to uphold their agreement to remove the collection account and also did not send any letter stating that they would delete the account ( which was stated in their response ). This account needs to be deleted ASAP, not in 30+ days!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I reached out to XXXX 's on 2 occasions asking them to send me a copy of my signature of agreement with their company or any viable evidence. XXXX 's response to me asking my to send them the information and a full account number of the item that the credit bureau is reporting as they have no knowledge of the reporting, so being that I had disputed the 3 major credit reporting bureau on numerous time and it been a sea saw they deleted the account verified the account back & forward so I requested the method of verification from the credit company XXXX   & XXXX replied that they only send the disputes to the company. Now after going back and forward with XXXX 's they have sent me a generated bill with my name and account number but never sent a copy of a signed agreement or any viable evidence. 

PS : I'm including letter of communication

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 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
XXXXt/Convergent collections state that I owe {$280.00}. This amount has changed every time I have disputed their claim. Over the past 5 years, the amount has changed from approximately {$700.00} to now {$280.00}. Phone calls from the company are demanding that I just pay the amount or the rude calls will not stop. This has been going on for years. I have contacted the company to dispute these charges and it seems to get passed on to several different collection agencies. I filed bankruptcy 3 years ago and this was not listed on my credit report ( it  would have been included ) This is not my debt.I owe XXXX absolutely nothing. There are no records, contracts or otherwise. I have requested whatever proof they claim to have several times and it has not been provided and the overly rude " people '' they have calling is becoming overwhelmingly stressful

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 2018-05-07 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: CA

Complaint narrative:
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!

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 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I received an interest only mortgage for {$580000.00} through XXXX XXXX XXXX in XX/XX/XXXX which was taken over by XXXX XXXX XXXXXXXX. I fell behind in XX/XX/XXXX during the banking crisis as I am also in XXXX XXXX. The loan was modified in XX/XX/XXXX with very bad terms. It was set up for me to have a balance of {$400000.00} owed after 40 years. I asked for a more reasonable mortgage and was told this was all I could get. My alternative was giving up my home. My balance has ballooned since getting the modification. My loan was sold to Nationstar and I completed my second modification with them in XX/XX/XXXX. The new balance is over {$700000.00} and the required monthly payment is over {$5000.00}. I applied for a new modification with Nationstar DBA Mr. Cooper and was declined after four months of waiting. During this time I was advised by Nationstar to not make payments. I am now officially in default and desperately need help. I may have a sale date scheduled of XX/XX/XXXX. I am not certain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX i went to a gas station " XXXX XXXX XXXX XXXX XXXX '' to get gas. When i handed my Citibank debit card to to the gas station attendant he walked to another pump station only to return and say that their internet was down and thus they couldn't charge the card. I then had a brief conversation with the attendant and then paid the balance in cash.

At no point did i sign anything or punch in my debit card PIN.

I received a charge of {$43.00} on my Citibank account.

I then made the dispute with Citibank over the phone and in written form numerous times. But Citibank always claims they never received my dispute form even though i have mailed it numerous times and faxed it to the billing dispute unit at ( XXXX XXXX XXXX ) in XX/XX/XXXX, in XX/XX/XXXX andXX/XX/XXXX and XX/XX/XXXX. I always added my case # : XXXX. I constantly have to re-open the case since i receive an automated letter claiming Citibank requested necessary information and did not receive a response.

This is a simple case where Citibank should recognize that there this is a fraudulent charge. But Citibank does nothing to assist me.

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 2018-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
For the record and on the record, I XXXX XXXX ; XXXX reserve now and forever reserve my unalienable rights. TD Bank has some checking accounts listed in their system that are not mine. My identity was stolen and used to open checking accounts. I notified TD Bank of this in good faith with the hopes they would rectify this issue. TD Bank in bad faith has refused to remove these accounts out of my name. I demand that TD Bank remove these fraudulent accounts out of my name post haste.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I continuously made regular monthly payments for years, until I experienced financial difficulties due to enexpected divorce which resulted in relocation and employment change. 

The lender provided options to defer loan payments multiple times, but failed to inform me that interest would continue to build upon the principal. 

When it was time to begin making payments again, I found the principal had more than doubled. 

I've attempted to resolve this matter with the lender with no success and it's become impossible for me to repay the current outstanding amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!

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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of  COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB, along with the appropriate government divisions who have jurisdiction over this. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!

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 2018-05-07 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: NY

Complaint narrative:
I HAVE BEEN DISPUTING UN VERIFIED ACCOUNTS NEGATIVELY AFFECTING MY ACCOUNT WITH EXPERIAN. THEY HAVE AN ACCOUNT FROM XXXX THAT I HAVE SENT OVER DOCUMENTATION SHOWING THAT THIS IS NOT MY DEBT DUE TO A SHARE METER AT THE TIME I LIVED AT THE RESIDENT.YET STILL EXPERIAN CONTINUES TO VERIFY THIS DEBT. HOW IS THIS POSSIBLE.

I HAVE SENT OVER 3 DIFFERENT CERIFIED LETTERS ABOUT XXXX   ACCOUNTS. XXXX HAS NEVER RESPONDED TO ME, YET STILL AGAIN, EXPERIAN CONTINUES TO VERIFY THIS ACCOUNT. I HAVE GOTTEN NOTHING FROM XXXX   ABOUT THIS ACCOUNT.

I HAVE ALSO SENT OVER VERIFICATION LETTERS TO XXXX XXXX. ALL THEY HAVE SENT OVER IS A LETTER SAYING THIS IS MY DEBT. HOW IS EXPERIAN STILL CONTINUING TO REPORT THESE ITEMS THAT ARE NEGATIVELY AFFECTING MY CREDIT WITHOUT ANY PROOF FROM THE ABOVE AGENCIES. IT IS AGAINST THE LAW.

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 2018-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I originally caught the fraudulent XXXX account in the amount of {$2000.00} on XX/XX/XXXXand immediately called XXXX to report that this account was opened fraudulently under my name. They sent me a Fraudulent Charge Affidavit in the mail which I returned to them via fax on XX/XX/XXXX. I also included my Federal Trade Commission Identity Theft Report. When I hadn't heard from them, I contacted XXXX  again onXX/XX/XXXX. They claimed to have not received my fax, but when I asked them to look again, they found the FTC Identity Theft Report but had lost the Affidavit. They asked me to send it again via email and I did on that same day. I followed back up today, XX/XX/XXXXand was originally told that they did not receive my documents. When I challenged this, the person I spoke with told me that " oh yes, they have the documents, but it would take 60-90 days for the investigation to complete ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Siwell Inc
State: RI

Complaint narrative:
I work at a XXXX XXXX  Rhode Island and this claim is being filed on behalf of a client. We were helping the client sell her property via a short sale. The complaint is against XXXX XXXX XXXX XXXX XXXX. Their phone number is XXXX You only have an option for XXXX XXXX XXXX. We went through the entire process with them and they went through their Mortgage Insurance Company who approved the short sale.

XXXX XXXX XXXX was the servicer. XXXX XXXX  is the Investor. After the MI Company and XXXX XXXX XXXX  were satisfied that our client deserved the short sale they directed me to XXXX, an online portal to work XXXX XXXX Short Sales. I have been working short sales with XXXX XXXX   since XX/XX/XXXX.

After going through the process my contact at XXXX XXXX said the short sale is approved and I could expect an approval letter from XXXX XXXX XXXX   within 5 business days. I was in constant contact with XXXX XXXX XXXX and I kept being told to expect the letter any day. This went on for 40 days. I finally got a call from a supervisor at XXXX XXXX XXXX  who said the MI company changed their mind. I contacted the MI who said they had not changed their mind. I escalated the matter with XXXX XXXX  who could not resolve the situation. Now there is a foreclosure date and our client wants the short sale approval that was promised so she will recover more quickly from this financial nightmare her ex-husband put her in. Any help would be greatly appreciated.

Please contact me for more information.

What would be a fair resolution to this issue?

For XXXX XXXX XXXX XXXX XXXX  to issue the Short Sale Approval as promised.

I want the CFPB to publish this description on consumerfinance.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AK

Complaint narrative:
I used to use XXXX XXXX XXXX card. I stopped the card and asked, " Do I have any remaining balance that I can clear right now ''. I was replied " No sir ''. I want to close the account and plz make sure that is closed with " XXXX  balance '' I was replied, " Your account closed with XXXX balance ''. After quite some some, may be more than 6 months, XXXX XXXX XXXX  store in XXXX Alaska closed their store and then I started getting letter from mcmXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA-XXXX, phoneXXXX XXXX XXXX.

The quoted info : Original creditor : XXXX XXXX Original A/C : XXXX   mcm A/c : XXXX Current owner : XXXX XXXX XXXX current balance : {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My two business accounts were closed at Bank of America, with no warning and no explanation : o XXXX XXXX XXXX. # -XXXX approximately {$6000.00} balance o XXXX XXXX XXXX  # -XXXX approximately {$6000.00} balance I was told that they were legally allowed to do this according to the deposit agreement I signed when I opened my account 18 years ago, however they can not provide me with my signed copy.

For the past few weeks, I have spent various hours on the phone speaking with supervisors and have gone to my local branch and no one will give me any information.

I received a document for each account dated XXXX XXXX  2018 which states, Weve closed your account listed and any remaining balance wont be returned to you.

I have no access to my account, my money, or my bill pay information, and the various Supervisors Ive spoken with in the account closure department ( the number listed on the letter ) continue to say my account is under review, with no speculation as to when I will receive further information.

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