vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: SD

Complaint narrative:
I previously submitted a complaint for what I thought was a debt that was not mine. A {$720.00} amount showed up on my credit as a collection with the orignal lender listed as XXXX XXXX and the collector listed as XXXX XXXX XXXX XXXX XXXX. I had NO idea what this was. XXXX XXXX XXXX XXXX XXXX responded to my complaint with the documentation showing it was a purchase at XXXX. This cleared everything up for me! YES, I did make a purchase of a {$370.00} tv at XXXX, on what I thought was a take home lay-a-way program which is EXACTLY how it was described to me by the XXXX employee that sold me the tv. The tv was {$370.00}. I was n't going to buy it but the employee suggested their payment plan. He said it was just like lay-a-way, only you got to take the merchandise home, and make payments until it was paid off. The payments were set up for auto pay. That sounded great to me! I gave him the info, signed something on a key pad and left with the tv. The payments started coming out shortly thereafter. Please see attached bank statements showing payments that came out of my account from XXXX through the end of XXXX. The last payment came out on XXXX XXXX. By my calculations, I made {$420.00} in payments automatically. A reasonable person would think that when the payments stopped, the item was paid in full. I WAS NEVER TOLD OTHERWISE. According to the payment agreement that was provided to me by XXXX XXXX XXXX XXXX XXXX ( which I have attached as well XXXX, there should have been XXXX final payment on XXXX XXXX of {$30.00}. I do not see that payment on my bank statement. I do not see an attempt, or an overdraft fee or ANYTHING. So this whole collection is over a remaining balance of {$30.00}?!!! Are you kidding me?!! PLEASE, I need this looked into. There is no way this can possibly be legal or ok. I was NEVER given a copy of the agreement or any paperwork at all, other than a receipt. My phone number has been the same for 10 years. I did move a mile away but my mail was forwarded. I never received ONE phone call. I never received one thing in the mail telling me I still owed money!! I do not pay things late, I have good credit. I would have never let something so small just go delinquent. I was never given the opportunity to make it right. A full YEAR after I thought this was paid in full, I get hit with a collection!! This is WRONG. It is deceptive. And I fully intend to take it as far as needed to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: DE

Complaint narrative:
XXXX from XXXX XXXX XXXX is reporting a fraud account # XXXX balance {$570.00} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX from XXXX XXXX XXXX is reporting a fraud account # XXXX balance {$XXXX} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for 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 2017-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
In the beginning I agreed to make payments of {$50.00} at the of each month starting in XXXX XXXX. I was planning on paying off the total, but could n't and I agreed to make a payment of {$520.00} on XXXX but I had to cancel. So I setup recurring payments of {$150.00} on the XXXX and XXXX or a few days after to ensure the funds are there of each month starting XXXX XXXX. The first payment of {$150.00} came out of XXXX absolutely fine. The next payment of {$150.00} came out of XXXX which was not the agreed date, but ok because I am trying to pay off my debt. So the next payment of {$150.00} came out on XXXX, again not the agreed date. So on XXXX I received notification from NCB that they would be taking out the next payment of {$150.00} on XXXX/XXXX/XXXX, 4 days before the agreed date. At that point I cancelled the recurring payments with them. At this point I feel I should not be liable for this debt because they took funds out of my account before the agreed due dates. I want the debt to be removed from my credit report and I want all the funds that were taken out before the agreed due date returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I received a letter in regards to debt I do n't owe and was already sold to another collection agency that was already removed from my credit. And this company does n't even have my name spelled correctly.

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 2017-08-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a home equity account with Citibank. The primary mortgage holder requires that I maintain home owners insurance on the property which I have done since the mortgage account was opened in XXXX of XXXX. My current insurance coverage has been with the XXXX XXXX since XXXX XXXX, XXXX. XXXX XXXX XXXX. Before that XXXX provided coverage. This insurance protects the interests of all parties : the owner, the primary mortgage holder and Citibank, the secondary mortgage holder. Despite this fact, Citibank opened, maintains and charges me for an additional homeowners policy. Recently, I notified Citibank AGAIN that I have my own homeowner policy. I forwarded them a copy of the policy with XXXX. In letters dated XXXX XXXX and XXXX XXXX, XXXX, Citibank XXXX XXXX ACKNOWLEDGED my coverage with XXXX. However, as of today, XXXX XXXX, they have made no adjustments, issued no refunds and continue to charge me for their insurance. Further, in XXXX, Citibank paid out $ XXXX to settle a case for this very same time of behavior known as " force-placed insurance ''. But Citibank continues the practice.

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 2017-08-19 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: MO

Complaint narrative:
Transunion Credit Reporting has the wrong information on my Credit Report. I have only XXXX account with XXXX XXXX Bank and they show XXXX accounts on my credit report. The Correct account is {$570.00} and the wrong account they show is {$620.00}. Again I have only XXXX Credit Card Account with XXXX XXXX Bank. I want Transunion to correct their information on my credit report to show the correct account only of {$570.00}. Waiting for your reply. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Never used this service. Applied for it and received a card. Charged me {$180.00} and the goods were returned to XXXX and a credit was given me. Although i had card, i already had money on account with XXXX to use to pay for what i bought. XXXX XXXX has called since XX/XX/XXXX for the above amount, not owed and the only bill received, every hour on the hour, every day, including today XX/XX/XXXX. Three months of calls, every hour of every day for 3 months approx for money i paid direct to XXXX. Tried to explain to XXXX XXXX 45 times for a total of approx 40 hours of explanation. It still goes on.

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 2017-08-19 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Inquiries on my account WO permission. Never asked to run been fighting 2 years. Please help removed. Called bureau soany times. No help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX Credit Reporting has the wrong information on my Credit Report. I have only 1 account with XXXX XXXX XXXX and they show 2 accounts on my credit report. The Correct account is {$570.00} and the wrong account they show is {$620.00}. Again I have only One Credit Card Account with XXXX XXXX XXXX. I want XXXX to correct their information on my credit report to show the correct account only of {$570.00}. Waiting for your reply. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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:
I TRIED TO FIX THIS PROBLEM THAT MY SON HAS THE SAME NAME AND ADDRESS THAT I HAVE HIS STUDENT LOANS ARE REPORTING ON MY CREDIT FILES. MY SON IS NO LONGER HERE HE XXXX XXXX. I ALSO HAVE FRAUDULENT ACCOUNTS SHOWING ON MY REPORTS.

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 2017-08-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I TRIED TO FIX THIS PROBLEM THAT MY SON HAS THE SAME NAME AND ADDRESS THAT I HAVE HIS STUDENT LOANS ARE REPORTING ON MY CREDIT FILES. MY SON IS NO LONGER HERE HE XXXX XXXX. I ALSO HAVE FRAUDULENT ACCOUNTS SHOWING ON MY REPORTS.

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 2017-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Veros Credit, LLC
State: NV

Complaint narrative:
My loan payment to Veros credit was due on XXXX XXXX, XXXX I called on XXXX XXXX to set up arrangements and spoke with a rep who gave me the total amount due for XXXX and XXXX and I went online and set ily he automatic payment. Since I have received 4-6 phone calls per day, no messages left and then they started repeated phone calls to my job and then they started calling my mom. I spoke to a supervisor who told me their call log regenerates and they call any number they have on their. The phone calls I 've received AFTER speaking to their representative and setting up the electronic payment are as follows : To my cell phone # ( no messages ) Wednesday, XXXX XXXX -- XXXX, XXXX, XXXX Thursday, XXXX XXXX -- XXXX, XXXX Friday, XXXX XXXX -- XXXX, XXXX, XXXX Saturday, XXXX XXXX -- XXXX, XXXX To my MOMS cell phone : Saturday XXXX XXXX -- XXXX XXXX Friday, XXXX XXXX -- XXXX XXXX, XXXX, XXXX Thursday XXXX XXXX -- XXXX, XXXX, XXXX Wednesday XXXX XXXX -- XXXX, XXXX, XXXX I can not list the times they 've called work, but there has been repeated phone calls from veros credit to my work line but they hang up or do n't say anything per my coworkers. I called again on Saturday to speak to a supervisor or said there was no notes in my account but she saw the arrangement set up? The supervisor assured me that their collection practices were not harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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 belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: AR

Complaint narrative:
A FRAUD INFORMATION APPEARS ON MY BACKGROUND CHECK AND A DIFFERENT NAME AND ITS KEEPING ME FROM GETTING JOBS AND APARTMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WINNPOINTE CORPORATION
State: CA

Complaint narrative:
I refinanced my loan through Interactive Mortgage. After the loan had closed which cost me a higher interest rate and an additional upfront cost of {$630.00} for an interest adjustment of 4.250 to 4.375 % because the closing department claim that the paperwork I submitted for my student loans did not actually specific how much my payment would be in XXXX. Currently I am not paying anything which I submited documents to support. I dismissed this because I wanted my payment to drop down from {$1500.00} to XXXX. However, after I had signed loan documents to obtain the payment of {$1400.00}, I received a call from XXXX XXXX of Interactive stating that I owe approximately {$400.00} more for hazardous insurance. I was baffled by this because my loan closing statement included a breakdown of my fees in which there is a charge for hazardous insurance of 13 months @ {$56.00}. The insurance quoted now is 13 months@XXXX. I received a letter from XXXX XXXX that my insurance is {$690.00} total. I am not sure why I am being ask to pay this additional amount. When I received the call from XXXX XXXX I was asked to come up with {$400.00} approximately because of the insurance being renewed. Than on Saturday after checking my loan documents I find a letter from XXXX XXXX XXXX XXXX applying additional cost to my loan that equaled {$210000.00}. My initial loan amount was for {$210000.00} now because I told XXXX I had to examine the paper work I now had to pay over {$2000.00} extra for this loan. I thought I was getting out of a prior bad loan but it looks like these loan companies are ripping homeowners off.The amount paid to XXXX XXXX XXXX was {$200000.00}. I was initially told I would only have to pay {$490.00}. Over {$6000.00} has been added into my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Florida law does not allow credit card companies to call more than once a day. These guys keep calling all day long. Here 's today 's log on our phone log - Sat. X/XX/17 Citibank - XXXX ( while everyone is sleeping, no phone message left XXXX Citibank - XXXX ( no phone message left XXXX Citibank - XXXX ( no phone message left ) Citibank - XXXX XXXX no phone message left )

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 2017-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian misleadingly enrolled me in a credit monitoring service with a monthly premium using my credit card information. I requested an online cancellation in XX/XX/XXXX following the directions on their website. I received a cancellation confirmation email. I continued to receive numerous emails from Experian with no way of unsubscribing. They continued to keep my email & credit card information on file. When I logged in to look for a way to remove my email address I noticed that they kept my credit card information on file and there is no way to remove it. There is also no option to unsubscribe from the unwanted daily emails. Recently, in XX/XX/XXXX, they charged my credit card twice for the monthly premium on XX/XX/XXXX and XX/XX/XXXX. I NEVER consented to this or reactivated their services. I tried calling their customer support line and was on hold for more than 30 minutes.
Once I request a service cancellation, they should remove and purge my credit card information and contact information. They also fraudulently started charging my card a monthly premium within 6 days of each other for a service that I never requested to be " turned back on. ''

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 2017-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nations Recovery Center
State: NJ

Complaint narrative:
Debt company trying to collect the debt which has any right to do so. Same debt previously has been tried to be collected by multipple different companies, with each of them failing to validate the debt or prooving to be the rightfull executor of the debt. Letters of validation, as well of cessing any communication will be send to the collector. If company will still harass me in any way, I wo n't hessitate to take legal actions against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have several credit inquiries I did not authorize and they were illegally made in my name and asking that they be removed I have sinced added a fraud alert on my credit report as I thought I had one placed on my credit report.I do n't understand how this many inquiries does n't causes a red flag with the credit bureau.I live in a 3 bedroom apt with 8 people so I need verification that " I '' made these inquiries because having my address does n't prove that. Did " I '' authorize these inquiries????
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXXXX/XX/XXXX/XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have several credit inquiries I did not authorize and they were illegally made in my name and asking that they be removed I have sinced added a fraud alert on my credit report as I thought I had one placed on my credit report.I do n't understand how this many inquiries does n't causes a red flag with the credit bureau.I live in a XXXX bedroom apt with XXXX people so I need verification that " I '' made these inquiries because having my address does n't prove that. Did " I '' authorize these inquiries???? XXXX XXXX XXXX XXXX,XXXX, XXXX XXXX XXXX, XXXX XXXX,XXXX, XXXX XXXX,XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX,XXXX XXXX XXXX XXXX,XXXX, XXXX XXXX,XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XXXX, XXXX XXXX, XXXX, XXXX XXXX,XXXX XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX,XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
OnXX/XX/XXXX, an online order was placed with XXXX XXXX for movies. I used my American Express card for payment. On or about XX/XX/XXXX, a neighbor indicated returned items in open box with two movies were left at her door. On XX/XX/XXXX, I called XXXX XXXX  customer service reporting not receiving stolen items and tampered items in box. The call was recorded as evidence. XXXX XXXX own documents support stolen items indicating " left with woman '' and it should be noted at a wrong address. See attached XXXX XXXX  documents. On XX/XX/XXXX, I called American Express to dispute charges. See attached letter datedXX/XX/XXXX OnXX/XX/XXXX, I returned two movies and reported stolen items to XXXX XXXX  store employee. I also showed as evidence tampered box. See attached receipts and XXXX XXXX documents. OnXX/XX/XXXX, I received American Express response with documents from XXXX XXXX supporting my position of stolen items to unknown woman and delivered to wrong address. On XX/XX/XXXX, I spoke with XXXX from American Express. I indicated to him of the wrong address and delivery to unknown woman. I also indicated I never received my order from XXXX XXXX. XXXX refused to dispute the charges and indicated my charges would not be credited. XXXX  also refused to credit the returned items showing XXXX XXXX had received the returned items. He advised me regardless I would have to pay the total charges.

Company response to consumer: Closed with explanation