vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-18 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: EOS Holdings, Inc.
State: UT

Complaint narrative:
EOS CCA # XXXX is reporting a debt that I do not owe. This debt was paid off by XXXX to release my account so I could transfer over to XXXX. It is paid and I do not owe this debt, it should no longer be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
So I have spoken with the debt collector in the past but am unable to pay on it. They have since reported a debt that is over 7 years old on my credit as a new debt. It is showing that it was opened in XXXX of 2019 on my credit report which is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a debt that I do not owe. This debt was paid off by XXXX to release my account so I could transfer over to XXXX. It is paid and I do not owe this debt, it should no longer be on my credit.

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 2019-12-18 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a debt that I do not owe. This debt was paid off by XXXX to release my account so I could transfer over to XXXX. It is paid and I do not owe this debt, it should no longer be on my credit.

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 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently was a victim of fraud where there was an account takeover of my Macys American Express. The fraudster  had complete control of everything, my email, they shut down my cell phone, and all information was updated to their own. On the XXXX of XXXX I called Macys AMEX to find out that there were several fraudulent charges and that the fraudster closed down my credit card on XX/XX/XXXX. I stated that this is unacceptable since I did not close the account down and advised that it will also impact my credit history. At first they stated there was nothing they could do about it. I then asked for a supervisor who told me that they were going to research the interactions verifying that it was not me. I have not received a callback. They also could not tell me if it was just my AMEX line or both the AMEX and store credit line.

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 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank has charged me late fees for statements I'm not receiving. I've attempted on multiple occasions for my address to be updated as I recently moved to another state, yet they refuse to update my current address and refuses to close my account. The account is paid in FULL with a credit of {$570.00} owe to me, yet they will not close my account or credit my account for late fees. I've spoken to multiple supervisors, managers, and the issue remains.

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 2019-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Admin Recovery, LLC
State: FL

Complaint narrative:
It's been more than a year that I'm trying to find a way to negociate the debt I have with Visa XXXX XXXX, if I call Visa, they tells me that they can not talk to me, the debt was SOLD to Admin Recovery LLC. I called Admin Recovery LLC and I spoke many times with XXXX XXXX, Vice President of Collection, the debt was {$18000.00}. ON XX/XX/2019, I received a letter from Mr. XXXX stipulating that they cut the debt to {$9000.00} to close my file. Obviously I called Mr. XXXX, and explained that I can not pay this amount in one lumps. He called me back that same week and told me, that he spoke with his contact at XXXX XXXX  - Mr. XXXX told me all the time that Visa XXXX XXXX  never SOLD the debt. He called me back to tell me the lumpsum can be {$7200.00} or {$1500.00} per month for 6 months. I thanked him, but {$1500.00} per month it is too much. I can pay a lower amount but in the meantime I asked if that will stop reporting CHARGE OFF on my Credit File every month, he told me that it will stop once I'm done paying the debt. He told me that he will call back his contact to see if they can do more or reduce the monthly payment. Between XX/XX/XXXX as of now in XX/XX/XXXX, I never heard from Mr. XXXX again. As I am penalize every month by XXXX XXXX  XXXX  that claim they SOLD the debt, but report me at all credit bureaus as Charge OFF, I called VISA on XX/XX/2019. Again same answer, nobody can help me because my debt was sold to Admin Recovery LLC. The same day I called Admin Recovery LLC and samething Mr. XXXX will not take my calls since back in XXXX. Never returned any messages since XXXX. - I was in a total incapacity to be helped or to resolve this situation. Today XX/XX/2019, Mr. XXXX took the call and told me that XXXX XXXX  XXXX  gave him back my file, and confirmed that's why he took the call. He told me, when I asked why he did not answered or returned my calls since XX/XX/XXXX, he said that he did not feel that I will be able to pay. - Nice and encouraging. -- Unfortunately we are turning around, as his numbers {$7200.00} lumpsum or {$1500.00} per month for 6 months, we can not have an agreement. I told him again that I can not commit myself with a high amount of {$1500.00} per month and maybe have other problems. So, the conversation stopped there. Unfortunately.

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 2019-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
So I have spoken with the debt collector in the past but am unable to pay on it. They have since reported a debt that is over 7 years old on my credit as a new debt. It is showing that it was opened in XXXX of 2019 on my credit report which is not the case.

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 2019-12-18 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed several items on my trans union report back in XX/XX/XXXX, One dispute was pertaining to XXXX XXXX XXXX # XXXX who reported regarding a debt with XXXX XXXX ( Utility Company here in XXXX ). I initially disputed this debt with national grid due to that fact that they reinstated a charges for service from XXXX, and added to a current bill XXXX. XXXX is legitimate. 

The second is XXXX XXXX XXXX # XXXX as it relates to XXXX XXXX, have a balance XXXX. This is not my debt. 

the Third one is XXXX XXXX XXXX as it relates to XXXX XXXX in the amount of XXXX. This is not my debt.

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 2019-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Paid medical bill in the amount of {$8.00}, check # XXXX on XX/XX/2019. This check cleared payee 's bank on XX/XX/2019. On XX/XX/2019 I received a phone call from Transworld Systems Inc. ( TSI ) in which they attempted to collect this debt a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has said nothing has been updated or changed and can NOT use the title as proof that my vehicle is PAID FOR and not in repossession. Falsely saying it was repoed in XX/XX/2019 when thats when it was paid. They refuse to fix my information to accurately say what Is actually true and a proven fact! They are falsifying a legal document

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 2019-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Golden Title Loans LLC
State: TN

Complaint narrative:
On XX/XX/19, 745-Cash assessed charges to my checking account that the loan was not associated with, it was associated with a different checking account from an entirely different bank. There were 2 charges assessed, the first charge was in the amount of {$420.00} and the second amount was for {$30.00}. 

Leading up to this I got on a payment plan and made the first payment with my XXXX XXXX XXXX account, the payday loan was written from my XXXX XXXX account. They went in and debited the entire payday loan amount from my XXXX XXXX XXXX account even though they had no paperwork authorizing them to do that. I asked them to reverse the charges and they refused even though they took the money fraudulently. 

After refusing to refund the non-authorized charges, I had to go into XXXX XXXX XXXX and file the paperwork for the fraudulent charges to have them removed, resulting in a {$50.00} charge from my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Unbank Company, LLC
State: MN

Complaint narrative:
I have not done business here personally but I have accompanied friends who have. The staff is rude, and I believe their CEO is divulging too much personal information on XXXX 's public reviews page.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
In XXXX SWC contacted me via mail about a debt they said I owed. They offered to settle the debt for an amount close to the amount owed that I could pay online to settle this debt. I went online and paid the settlement amount listed in the letter. Two months later they are reporting to all three credit bureaus that I am late and have a balance owed. They are the ones who offered to settle not me. If that was not the case then they should have not sent the letter. I will not be robbed by this predatory company that doesnt know how to properly conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I logged into my e-mail this morning, XX/XX/XXXX and received a notification from XXXX XXXX that my payment was rejected and my account was frozen. I received no notification from Citibank NA that my account had been frozen since the XXXX of XXXX and my checks are being bounced and I am racking up late charges, which in turn is effecting my credit as well as my Husband 's credit. When I contacted the bank on XX/XX/XXXX, I was transferred to another department in which I was told that our accounts are under review, therefore the reason Citibank NA froze our accounts without notifying us and after one hour on the telephone, I was told Citibank NA mailed documentation to us on XX/XX/XXXX. I was then told we need to complete the same trust forms as I completed in XXXX of XXXX, during tax season.

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 2019-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
XX/XX/2019 my loan was paid off with Homebridge Financial ; the escrow balance of {$3500.00} was supposed to be reimbursed  and mailed to me within 30 days of the loan being paid off. by XX/XX/XXXX, I called them to follow up on the check, and was told to wait another 2 weeks. By the end of XXXX, I was told that the wrong address was imputed on the mailing envelope and the check was returned to Homebridge. I requested a direct deposit or expedited mailing at my cost, and they declined the request. I was told the check would not be issued any time before XXXX XXXX in XX/XX/XXXX, I received an Escrow Account Disclosure Statement, but no checks. 

I been trying to reach customer service to no avail. Finally today I reach someone and was told that the check was not mailed until XXXX XXXX that is clearly way over 2 months since my loan was paid and as of today, XX/XX/2019. I do not have my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
After noticing fraudulent accounts on my credit report, I filed an Identity Theft report with the FTC which is a Federal Law Enforcement agency. I sent a copy of that report and a letter to each creditor that opened an account through Identity Theft. As a result, all but 2 creditors honored my request and information and removed my liability for the debt. XXXX XXXX and Diversified Consultants continue to report the fraudulent debt and demand payments. A representative for Diversified Consultants acknowledged that the email address on file did not match  mine and was the first and last name of another individual ( XXXX XXXX ). They are claiming that my social and birth date opened this account therefore its a valid debt. The selfishness and lack of consideration by both companies is causing me continuous stress and I'm a victim of someone else 's wrongdoing. I followed each step legally and I believe these companies are responding illegally. They are attempting to make a profit by continuing to hold me accountable for someone else 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank called my cell phone multiple times in one day stating that my XXXX XXXX account was past due. I indicated to the representative that I made the payment and my account was current, which she confirmed. I told the representative that I was in a public pharmacy picking up my medication and that it was not a proper place to continue our conversation and requested for the multiple harassing phone calls that day to stop. The representative continued anyway and stated that she will put a do not call on my account, which I responded I am not requesting a do not call on be put on my account and went back and forth multiple times. The representative then stated that she could not stop the harassing phone calls and I then responded that if the harassment of phone calls did not stop I would obtain an attorney. From that conversation, without my knowledge or permission, Comenity Bank put a hold on my XXXX XXXX card and my XXXX XXXX card in order to hold my accounts hostage even though all payments were current. Today, I spoke with XXXX  from Comenity Bank and she stated that an attorney called into Comenity Bank stating that " he '' represents me and is speaking to Comenity Bank on my behalf. XXXX asked me if I hired this attorney to represent me and when I asked her what his name was she transferred me to XXXX her Supervisor. During our phone call XXXX stated that my XXXX XXXX and XXXX XXXX cards were put on hold due to saying the word attorney in my previous phone call, which I described in the beginning of this complaint. XXXX also stated that my accounts will remain on hold until I mail in a letter to Comenity Bank stating that I am not obtaining an attorney or plan on obtaining an attorney. Then XXXX informed me that he declined to have our phone call recorded due to XXXX 'XXXX   statement regarding an attorney calling in stating he represents me. He then stated that my XXXX XXXX account was charged off and asked me if I want the credit agency 's contact information that bought it. I have also filed a prior complaint regarding Comenity Bank 's collection tactics in regards to my XXXX XXXX account as well, which they have now charged off due to my complaint with CFPB and affects my credit score. I have requested account statements in it's entirety due to the questionable balance and still have not received them. I have attached a screenshot that shows my credit card limit and no spending availability, which affects my credit score. They have also lowered my limit on only my XXXX XXXX, which also affects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I was informed by US mail, that from XXXX XXXX XXXX XXXX XXXX, Az XXXX of a " Notice of Servicing Transfer '' effective with payment due XX/XX/XXXX. 

NewRez LLC would collect payment going forward. 

contact information provided was NewRez LLC Customer Service XXXX XXXX XXXX XXXX, SC XXXX On XX/XX/XXXX, I was informed that I had successfully secured an online account to pay the XXXX mortgage with NewRez. 

This email informed me that the Customer Service Team was available at XXXX or XXXX. 

I could not access the payment account after setup to pay the XXXX payment, so I contacted their provided number by telephone call. 

I informed them that I was the estate executive/Successor Trustee for the property/loan and was attempting to make a payment, but was locked out. 

I was furthered informed that because of privacy, I would need to forward copies of Certificate of Death/Revocable Living Trust documents to NewRez. 

I was provided a contact receipt via email on XX/XX/XXXX. 

Followup phone calls informed me that Shellpoint Mortgage Servicing was confirmed as the actual responsible party for the XXXX transfer, ( NewRez LLC owns the lien but Shellpoint Mortgage Servicing ) would need the document as well, to assist me with payments. 

As of today, XX/XX/XXXX, I have not received a response in any way, or the promised followup to assist me as the property owner to continue to make payments/provide whatever maybe requested as the heir/executive/trustee from either NewRez/or Shellpoint Mortgage Servicing. 

The property has never been delinquent on a loan payment since it was purchased in 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 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
Mortgage company has failed to pay my property taxes which are now delinquent.I notified the mortgage company multiple times starting on XX/XX/19. 
I have called them multiple times as well as emailed with documentation. I asked for follow up which I do not receive. 
As of today the taxes are still delinquent. I attempted to call and leave a message for a contact person there however voicemail is full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
Top finance has caused much confusion and I personally feel have violated my rights. An old auto loan which they have failed to provide, a certified letter to me within 5 days that I could by back after repossession, a notice within 10 days that the vehicle was sold, and also the letter of how much the car was sold for and fees acquired were never sent to me within 30 days of the repossession. Since then the account was charged off and sent to collections but it was never fully sent to anyone so no one had this debt. I was advised by top finance to Contact XXXX XXXX XXXX  XXXX, and ACC, which has now aquired Top Financed. When I did I was advised I had no account. Now, I am being advised again by Top finance management and ACCXXXX XXXX XXXX  XXXX that I owe a debt that no one could verify and they did not have my account. This all has caused unnecessary stress and negatively affects my credit file. I have filed a complaint with the BBB requesting the proof that TOP financed notified me of the repossession and sale of the vehicle within my signature of the intent to buy back notice acknowledging I was aware of this sale. I have not received a response. XXXX XXXX the director of compliance also provided a letter with ACC which is Top Finance according to their website and phone calls that I owe no debt to their company.

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