vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Levy & Associates, LLC
State: NJ

Complaint narrative:
I made all payments charge long ago, yet the company states I owed {$20.00} which in turn became {$340.00}. I was sent no information regarding that I had owed any more than I already paid and was charged fees for a bill that was fabricated by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX says they charged off over {$1000.00} in XX/XX/2017. I made monthly payments even after the account was closed and paid the balance off in full, but with late/missed payments in between. Last payment was for {$400.00} in XX/XX/XXXX/XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I requested for " Detail of the sale dollar transaction as it has been reported to US Department of Housing and Urban Development '' following FHA reporting guidelines.

This is referred to as Final Settlement Statement ( i.e. HUD-1 and/or HUD form XXXX  ) where the detail breakdown of funds distributed is disclosed with transparency to HUD, an official Government Agency. I requested this in my original complaint filed with CFPB but to no avail from Shellpoint Mortgage servicing.

The response provided by Shellpoint Mortgage Servicing is " This is a Conventional Loan. '' The Servicer simply sent a report of their internal accounting but that's not an official HUD/FHA disclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: TN

Complaint narrative:
LexisNexis ( LN ) is reporting an incorrect Filing date. I filed a Chapter XXXX bankruptcy XX/XX/XXXX. The case was converted to a Chapter XXXX XX/XX/XXXX. LN is reporting the filing date of the Chapter XXXX as XX/XX/XXXX. This is in violation of 11 U.S. C. 348 ( a ). The section 348 ( a ) concerns the effect from one chapter to another. 348 ( a ) states in part. Conversion of a case from one case under one chapter of this title constitutes an order for relief under the chapter to which the case is converted. This does not change the date of filing of the case or petition the commencement of the case and the order of relief.

XXXX v. XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX ), in which held that a conversion from chapter XXXX to chapter XXXX, the debtors are deem to have filed the converted case at the same time the original case was filed. The filing date of a converted case relates back to the initail filing date.

Under 348 ( a ) a converted case is deem to be filed at the time the case was initially before the converted case.

1. LN reports Chapter XXXX original filing date as XX/XX/XXXX and case number XXXX.

2. LN reports that Chapter XXXX   original filing date is XX/XX/XXXX and case number XXXX 3. LN reports Chapter XXXX discharge date XX/XX/XXXX case number XXXX.

4. LN reports case ID for both Chapter XXXX and Chapter XXXX as XXXX.

5. I have enclosed documentation from XXXX that states that the filing date for ChapterXXXX petition is datedXX/XX/XXXX.

6. I have enclosed the court order conversion of Chapter XXXX to Chapter XXXX 7. I have enclose the Discharge of Debtor order dated XX/XX/XXXX.

8. Resolution : According to 11 U.S.C 348 ( a ) The original file date for the Chapter XXXX must be the original date of the Chapter XXXX   petition date XX/XX/XXXX. I am requesting that LN correct their records to reflect the law and communicate the information to all credit bureaus which solicit information from LN. I am requesting a corrected copy of my entire file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi Bank website said they will pay {$300.00} bonus when we open new savings account and deplosit XXXX funds. After 90 days, I will get bonus. It's been almost 4-5 months but I didnt get any money. When I made few calls to them they kept transferring calls here and there and ask me promotional code. 

I did some online research and found since the offer is for everyone their system generate random promo code for every application in backend and assigns it that customer does not know when they open account online. Customer service hangs up the calls, shows attitude, waste times, put you on hold for long time. No luck. 

Saving account number XXXX You may contact me at 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 2018-08-27 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: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/XXXX i was notified of a credit issue / found that a New bankruptcy was put on my credit report from Discover / XXXX XXXX XXXX. they both had reported me late and wage earner plan chapter XXXX. / chapter XXXX   was filed in XX/XX/XXXX they was only notified Discover closed my account in XX/XX/XXXX and reported me late and discharged through bankruptcy.

i reported them as inaccurate. I had a XXXX balance at the time that i filed in XX/XX/XXXX. owed no money. i was never late on any payments now. 2 years later they put me down for a new bankruptcy and added 2 more years XX/XX/XXXX to get it off. They were not a part of my repayment plan. My chapter XXXX  case closed in XX/XX/XXXX. paid in full / Paid TD loan off was never late and was not part of the chapter XXXX i paid on time outside of my plan. This has been misreported from the beginning and i cant seem to fix the errors on my own.I need some help. Recap i never owed Discover any money never late and never was discharged under chapter XXXX/ XXXX paid in full on time never put in chapter XXXX bankruptcy. Both reported me to the three main credit company On XX/XX/XXXX as delinquent account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: WI

Complaint narrative:
After checking my credit report recently I began to do more investigating. I discovered several accounts that I am not familiar with. In the past, I have been a victim of identity theft, so I asked the companies to give me more information about the debt. On XX/XX/XXXX I sent the creditor a letter asking for additional information regarding the debt they are attempting to collect from me. They have failed to respond to my request but continue to report the information to the credit bureaus. They are in direct violation of the Fair Debt Collection Practices Act 1692 which states they are to provide this information upon my request or cease collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: WI

Complaint narrative:
After checking my credit report recently I began to do more investigating. I discovered several accounts that I am not familiar with. In the past, I have been a victim of identity theft, so I asked the companies to give me more information about the debt. On July 17 I sent the creditor a letter asking for additional information regarding the debt they are attempting to collect from me. They have failed to respond to my request but continue to report the information to the credit bureaus. They are in direct violation of the Fair Debt Collection Practices Act 1692 which states they are to provide this information upon my request or cease collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I'm on XXXX for the past 10 years and have XXXX and XXXX they have been paying for my medical bills and I should not have to pay for this one

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 2018-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have contacted Equifax so many times via phone online, and via first class mailings on many many occasions in regards to 1 account that were placed in my name that did not belong to me and i did not authorize or was not familiar with.I get the same results and i have had it, it makes it look very bad on my credit report, and reporting negatively. I am trying to build my credit up to obtain better things in life and it makes it difficult when they checking credit and i have negative accounts that do not belong to me reporting inaccurately.I have disputed and reached out to Equifax more then several times and they say the same thing over and over.The companies either need to send proof or validation or it needs to be removed.These account does not belong to me. I have called and they have told me that their handling it and they received proper paperwork and i should see an update and i never do.The last Rep talked to name was XXXX in the Customer Service, I have not had any luck with this. The following account that are reporting are : XXXX XXXX XXXX XXXX with a balance of {$730.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 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: FL

Complaint narrative:
On XX/XX/XXXX, I found out for the first time that my credit report from Transunion had report of serious delinquency regarding a XXXX  XXXX credit card with numbers starting with : XXXX. 
When I called XXXX phone number, XXXX which appears on that entry, I was told to call Monday to Friday. 
I called back on Monday XX/XX/XXXX at XXXX and I was transferred to XXXX credit department . I informed the lady that answered that I just discovered that there is a wrong entry of " serious delinquency '' in my Transunion credit report, an account that I never opened or used and that it has been harming my credit since XXXX until now! I have been affected by this account causing me to always obtain higher interest rates and being denied of my applications. I never knew why until XX/XX/XXXX. I asked her to tell me information regarding that account : who opened it? And, she she said that I was not a primary in that account. I asked what is the mailing address of that account? She kept lying saying that she has no further information on that account but that she would remove it form my record since I was not a primary. Furthermore, she kept repeating that it may not even be related to me at all, that it could have been wrongly placed on my account. I have a right to know what or who has harmed me financially all these years. When I confronted her saying that I do not believe she does not have further information, and that I have been a XXXX  customer with good standing payments for years, she accepted that she has more information but can not share it with me. I am very upset of all the financial harm this wrong entry has caused me all these years, and all she could say is " if you had called before when you found out, we would have removed it before ''. I said I just found out, I pay all my bills, why would I think there is something like that in my credit report? 

I have the right to find out more information on an account that has been damaging my credit report for almost 7 years. Please help me find out who was the owner of that account and what was the mailing address? 

Thank you, 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 2018-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Just received a notice from a law firm states that they have forward papers to have pay check garish for an account that I do not owe. The notice states the first judgement was back on XX/XX/XXXX. Here it is XX/XX/XXXX eleven years pass. I never had a credit card bill totaling over {$1200.00}. This is clearly over the 7 years statue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX American Express Bluebird was doing systen updates and having trouble which I was unaware of at the time. During these system updates/failures I tried using my Bluebird debit card at a store, my transaction declined and I was unable to get my merchandise. Confused, because I knew I had plenty of money I tried signing onto the app, the app was down. Next ( within mins of leaving said store ) I went to an ATM to withdraw money, I tried to withdraw {$300.00} but was told I had insufficient funds and could not do so. About a half hour after this hsppened I was finally able to get online and check my balance and transactions. Thats when I realized I was charged for the store transaction as well as the ATM Transaction. I called the bank and was told It happened to msny people not just me but that I would have to dispute those charges. It has now been 3 days later and I can not get them to send me the proper paperwork to have the issue fixed. Ive had to ask twice to have them send it to the correct email!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: DE

Complaint narrative:
XXXX needs to be held accountable! 

I was notified by XXXX ( a collection company ) on XX/XX/XXXX that I had a delinquent XXXX account that had been submitted to them for collection. I immediately reached out to XXXX to discuss the case. I advised them that this was identity theft as the service address was Indiana, and I am a Delaware resident. I have never been to Indiana, let alone started cable service in that state. The perpetrator had used my social security number, previous mailing address and maiden name. XXXX had extended this person credit despite there being a fraud alert on ALL 3 CREDIT BUREAU REPORTS. XXXX requested a Fraud Claim Form be completed. The claim form was submitted, to include a police report. On XX/XX/XXXX a letter was received from XXXX stating that all collections attempts would cease, and all information submitted to the credit reporting agencies would be removed. I was also assured that my SSN had been alerted to avoid any new accounts to be opened. No additional correspondence was received. 

On XX/XX/XXXX I was notified by XXXX XXXX that I had a new collection account on my XXXX report, regarding XXXX service,  submitted to XXXX XXXX XXXX. I reached out to ERC and spoke with XXXX, I confirmed that this was the SAME XXXX account that had been sent to the other collection agency ( XXXX ). I reached out to XXXX twice but both times was directed to someone that spoke broken XXXX and was neither willing or interested in addressing my concerns. XXXX should not have extended credit with my fraud alerts having been placed, and are now using ANOTHER collection agency to collect a debt I do not owe. I submitted all of the requested documentation, yet they continue to harass. My credit score has dropped 18 point because of this! XXXX should be held accountable for allowing an account to be opened with an active fraud alert in place AND for sending the account to not 1, but 2 collection agencies!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I requested for " Detail of the sale dollar transaction as it has been reported to US Department of Housing and Urban Development '' following FHA reporting guidelines. 

This is referred to as Final Settlement Statement ( i.e. HUD-1 and/or HUD form 27011 ) where the detail breakdown of funds distributed is disclosed with transparency to HUD, an official Government Agency. I requested this in my original complaint filed with CFPB but to no avail from XXXXXXXX XXXX XXXX. 

The response provided by XXXX XXXX XXXX is " This is a Conventional Loan. '' The Servicer simply sent a report of their internal accounting but that's not an official HUD/FHA disclosure.

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 2018-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I have an XXXX store credit card and have spent over {$1500.00} on various purchases over past year. Recently I found some unauthorized charges on my bank statement. my banker had me go through all statements for past year. When I did I found many questionable and unauthorized charges on XXXX as well as a few others. I had investigation done and put fraud alert on my credit reports as well as notifying the companies involved. I have purchased many items from XXXX including movies- which I paid full price for. I tried to watch one of the movies I paid for on XXXX XXXX XXXX the other evening and found out my account is frozen due to the fraud. I asked to be able to watch movies I have paid for and was put on hold and no one came back on phone. I called tonight and was being transferred to supervisor but no one ever came on phone. When this fraud was first found, XXXX reissued by card-which I have paid in full. I no longer leave my credit card online. If I need to order something I enter card info and place order. Once order is successful I remove card. I have no idea why all of a sudden my account is frozen but I want access to items I have purchased. I am being punished by this company for being a victim of fraud

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 2018-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
My loan is being serviced by XXXX Account # XXXX Originally the loas were with XXXX XXXX and XXXX. Both companies failed to properly provide counsel regarding loan consolidation and the current company is calculating my payment using my gross payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Security National Automotive Acceptance
State: NC

Complaint narrative:
Starting on or around XX/XX/2013 I started receiving harassing and threating phone calls and texts on XXXX from XXXX XXXX who works for XXXX XXXX XXXX. Prior to I never had a missed payment but I had traded in my XXXX XXXX XXXX which had been paid off by XXXX XXXX XXXX XXXX. I receieved email confirmation that XXXX  again had paid off the XXXX but someone XXXX XXXX after recovering payments on the vehicle still requested payments for the XXXX. Was told by XXXX XXXX XXXX XXXX backed out on the loan and wanted their check back. XXXX not only found me on social media but was stalking me on XXXX and everything else for 1 payment. All due to a trade in mishap. I eventually blocked XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX i was notified of a credit issue / found that a New bankruptcy was put on my credit report from XXXX / TD auto finance. they both had reported me late and wage earner plan chapter XXXX. / chapter XXXX was filed in XXXX they was only notified XXXX closed my account in XXXX and reported me late and discharged through bankruptcy. 
i reported them as inaccurate. I had a XXXX  balance at the time that i filed in XXXX owed no money. i was never late on any payments now. 2 years later they put me down for a new bankruptcy and added 2 more years XXXX to get it off. They were not a part of my repayment plan. My chapter XXXX case closed in XX/XX/XXXX. paid in full / Paid TD loan off was never late and was not part of the chapter XXXX i paid on time outside of my plan. This has been misreported from the beginning and i cant seem to fix the errors on my own.I need some help. Recap i never owed XXXX any money never late and never was discharged under chapter XXXX TD paid in full on time never put in chapter XXXX bankruptcy. Both reported me to the three main credit company On XX/XX/XXXX as delinquent account

Company response to consumer: Closed with non-monetary relief