vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 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: NJ

Complaint narrative:
XXXX is reporting a credit card account on my credit that does not belong to me through XXXX, XXXX, and Equifax. I did not authorize or had knowledge if this account. Furthermore, once I became aware of it via my credit report I noticed that it is reporting with big questionable errors. It looks fraudulent. It is reporting as XXXX XXXX XXXX account and XXXX account, Please see attached copy of my credit report. I am requesting that this fraudulent account XXXX and XXXX be permanently deleted because neither of them belongs to me effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I have worked with my medical provider, who sent this to collections in XX/XX/XXXX. I was not notified that the collections had been assigned or who was assigned until XX/XX/XXXX ; when I was billed including interest since XX/XX/XXXX. This is an unfair and fraudulent practice as there was no way for me to pay the debt from XX/XX/XXXXto XX/XX/XXXX when I finally received the notice in the mail.

I have paid this debt ( {$850.00} ) in full ( conf # XXXX ).

I continue to receive letters for the original debt plus interest. This is fraudulent and harassing behavior.

Letter from XXXX stating paid in full.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I was offered the possibility of listings if I complete Broker Price Opinions for a company by the name of XXXX XXXX XXXX otherwise known as XXXX XXXX, XXXX. They requested {$340.00} up front. I signed up and then they assigned me two properties that were not bonafide properties. I was able to verify this and requested cancellation within 10 days of signing up. They agreed to refund my {$340.00} via email. A charge showed up on my credit card statement and I opened a dispute with Chase the day of receiving the statement. I then provided proof that this is a fraudulent company to Chase via fax ( XX/XX/XXXX ) and sent them a copy of the email. I even sent Chase screenshots of their online reputation as scammers. All you have to do is google : XXXX XXXX XXXX. Chase refuses to issue me a credit and is charging me interest. The Chase representative that has called me refuses to let me speak to a superior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blakely-Witt and Associates, Inc.
State: CO

Complaint narrative:
So I been trying to find an apartment out here in XXXX  and tried to apply for one on the XX/XX/XXXX and was told I owed a property which I dont understand why I owe the property any money I didnt break my lease or anything and on top of that they took my deposit find out they put that I owe XXXX from a property called XXXX XXXX and they reported on my credit Im currently homeless living from place to place because no one will rent to me because of it I called the property almost everyday and no one answers the phone I even called the collections department they went through Blakey-Witt & assoc. its a stressful situation Im not in XXXX   anymore to go up there and talk

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: NJ

Complaint narrative:
XXXX is reporting a credit card account on my credit that does not belong to me through Transunion, XXXX, and XXXX. I did not authorize or had knowledge if this account. Furthermore, once I became aware of it via my credit report I noticed that it is reporting with big questionable errors. It looks fraudulent. It is reporting as XXXX XXXX XXXX account and XXXX account, Please see attached copy of my credit report. I am requesting that this fraudulent account XXXX and XXXX be permanently deleted because neither of them belongs to me effective immediately.

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 2018-04-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX is reporting a credit card account on my credit that does not belong to me through XXXX, Experian, and XXXX. I did not authorize or had knowledge if this account. Furthermore, once I became aware of it via my credit report I noticed that it is reporting with big questionable errors. It looks fraudulent. It is reporting as XXXX XXXX XXXX account and XXXX account, Please see attached copy of my credit report. I am requesting that this fraudulent account XXXX and XXXX be permanently deleted because neither of them belongs to me effective immediately.

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 2018-04-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I paid {$10000.00} to reinstate my mortgage on XX/XX/XXXX. I was told the amount included XX/XX/XXXX payment. I spoke to several consumer service representatives that confirmed that my mortgage was paid untilXX/XX/XXXX. I filed a complaint on XX/XX/XXXX after receiving automated calls that I owed for XX/XX/XXXX. I received no response until XX/XX/XXXXwhere Mr.Cooper/Nationstar admitted they had miss informed on me XX/XX/XXXX ( 10 days after the payment was accepted ) and incorrectly applied my mortgage payment to legal fees. The explanation is unacceptable the restatement amount should have included legal fees. The representative on XX/XX/XXXX ( which was recorded ) told me no legal fees were on the account. I had him check three times if the reinstatement amount was correct. He confirmed it was then I paid the amount requested that day. On XX/XX/XXXX I spoke to XXXX XXXX in response to a letter I was sent by Nationstar/Mr. Cooper saying I would have to request that the mistakenly applied mortgage to the legal fees be reversed to be applied to my mortgage. I ask her to reverse the payment to its original intent. I dont understand this, if Mr. Cooper/Nationstar admitted they made a mistake why would I have to call them in order for them to fix their mistake. Also, it isnt legal to quote a reinstatement amount and accept the payment then say it was an accounting error. Especially, when 3 different representives confirmed I paid the correct amount through XX/XX/XXXX. Now they have a demand letter saying Im 3 months behind when Im 2 months behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc.
State: VA

Complaint narrative:
XX/XX/2018 The company NCC called both of my personal numbers, my fianc phone number, and work place back to back. When they called my job, the representative wouldnt give me her name, the company, just stated I need to pay a debt or its going on my credit and never going away. She just constantly just to get my to pay a random amount of {$670.00} a month for the next 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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:
Experian did NOT properly verify the information they claim they verified from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are ONLY USING name & social to verify 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
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citibank N.A negotiated with me a cancellation of debt in XX/XX/XXXXon a consumer revolving credit line, and I reported the amount as income on my tax return and paid any tax 's due.

I was provided a XXXX  with remarks " Cancellation of debt '' and " discharge of debt '', and further a letter from the Vice President saying that they will not longer attempt to collect the debt. I have sent both of these to Citibank N.A.

Fast forward to XX/XX/XXXX, Citibank N.A is now reporting the account on my credit reports as 90 days late every month all the way back to XX/XX/XXXX, with the entire balance still due, and refuses to remove the information and tells me only that I can pay them the full balance due as the debt is now still valid. What a scam!

The only representative that I was able to contact me hung up on me, when I was politely asking questions and sharing my proof that I have in writing.

I need the CFPB 's assistance as this is damaging my credit and potentially costing me huge amounts in higher interest rates due to Citibank 's wrong 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
Consumer complaint received 2018-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I noticed a charge for {$19.00}, XXXX dollars and XXXX XXXX cents, on my credit card, posted on XX/XX/XXXX. It was from TransUnion.

In XX/XX/XXXX, I went to their website, www.transunion.com, to check my credit score. They propmpted me through some questionnaires, and they asked for my credit card number. I was under the impression that I may be charged a small fee for the credit check. However I was unknowingly roped into a costly credit monitoring service. TransUnion set their website up in such a way that you can not reasonably avoid monetary damages or deceptive practices.

I called TransUnion as soon as I noticed the charges on my bank statement. They refused to refund both charges, one from XX/XX/XXXX and another from XX/XX/XXXX. I fought with them on the phone for about 10 minutes, and was only able to get one charge refunded.

They use obvious deceptive practices, by using fine print well below an average scrolling point for most browsers and computer screens, it's even too low on mobile devices. The most important details were not listed in an up front and accessable way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-27 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: CA

Complaint narrative:
XXXX 's will not answer me for validating the correct amount shown for a debt they claim I owe. In XX/XX/2011I purchased a ring and they sent a letter after a few missed payments stating my account was closed and I needed to pay {$120.00}. This debt is reporting open with Experian, with no amount, but closed on XXXX and XXXX with a balance of XXXX. I've recently reached out to the creditor to take care of the balance and was advised that I owe them XXXX dollars as this debt is still open and incurring charges. I've tried to file a complaint with consumer financial after not being able to resolve the matter with XXXX XXXX XXXX myself. You guys sent it back two days later saying you couldnt locate them. If they're not going to report accurate information nor be listed accurate contact information then I am asking the Bureau 's to now intervene. This debt is not following FRCA laws and I need a resolution Immediately. This is preventing me from buying my first home and is causing me havoc.

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 2018-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: NV

Complaint narrative:
Contacted Mercedes Financial. I got behind on a couple of payments. My vehicle was repossessed! I paid all the fees got the car out and been making all of my payments 2 weeks early I've asked MB Financial in goodwill to remove the mark of Repossession and the late payments and they are refusing. I'm a business owner and one of my accounts was compromised and I couldn't make the payments because I have approx 12K locked in this account. I explained that to them and they will not budge. I'm just asking for a little help because I'm trying to purchase a home. Please help with this situation please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: NC

Complaint narrative:
The student loan representative promised that for fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 5.5 % which I assumed would start XX/XX/XXXX. My loan was given to XXXX and the student loan representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. Soon afterwards, I received a bill from XXXX  for XXXX  a month and bill from XXXX XXXX for XXXX and XXXX a month in XX/XX/XXXX. I checked today XX/XX/XXXX and after making 5 payments to XXXX XXXX XXXX they are listing the account as not current. The account is showing and listed as a CREDIT CARD on my credit report and NOW showing that I am LATE. I never applied for a credit card with this scam company!!! The representative stated today ; that a payment in XX/XX/XXXXwas not received and they JUST posted that the account is late this month but the first payment in XX/XX/XXXX wasn't received ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. How is this company still in business with ALL of the negative business practices that they are currently doing. Who can I contact for legal advice ; I was in the process of buying a house and now my credit score just dropped 30 points today XX/XX/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 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have cancelled my membership with Experian in XX/XX/XXXX. They suggested me to switch to basic membership for free and I accepted. Today, XX/XX/XXXX, I learnt that Experian has charged me for XXXX  dollars each month since XX/XX/XXXX. This is the fee that anybody should pay for keeping premium membership. I called them on XXXX. I firstly chose option of " Cancel '' on automatic service and got an answer of " you have basic membership for free '', which is correct but contradicted to their monthly charge. Afterwards I called them again using the same number and after 2 hours somebody answered. She told me they have had some technical problems and she is able to return only the last charge as a courtesy while I have been charged for 10 months totally about 270 dollars! She connected me to her supervisor and she offered me the same payment ( returning only the last charge ). After my telephone call they changed my membership history so that it does not show anymore that I had cancelled my membership inXX/XX/XXXX ( I learnt this when I checked my membership status online again after my telephone call ). I left a public post on their XXXX page but they removed and transferred it to private message box and replied me with some general statements ( please see attached ). I am a XXXX  of XXXX  and this money is a lot for me and it should be returned to me. This issue has not occurred because of my fault and I emphasized again it must be returned to me. I need your assistance to help me in this regard. My customer number is 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 monetary relief
Consumer complaint received 2018-04-27 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: Westlake Services, LLC
State: AL

Complaint narrative:
i was pulled my credit report and came across this hard inquiry that you applied to my credit report XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing This inquiry could stay on your report untilXX/XX/XXXX.

See an error?

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.

this is a copy from my credit report i have contacted you about this and you told me you have no information on me because i dont have an account with you and i would like this removed off my credit report because i did not give you my permission to run my credit and it was not suppose to be run/checked without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: Real Time Group, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX i received a letter from my second mortgage company, XXXX, that i had been approved on my Home Equity account for a FULL PRINCIPLE FORGIVENESS due to a settlement w XXXX XXXX XXXX and the Department of Justice. the letter went on to state " You do not need to take any further action to accept this offer. Your Home Equity account balance will " AUTOMATICALLY '' be forgiven UNLESS you call us. ( My Bankruptcy atty had been CC 'd on the letter but was never mentioned in the letter. My bankruptcy had been discharged XX/XX/XXXX .i understand i was no longer responsible personally for the debt, but this letter released the property as security for this loan. i still own this property and the first has continued to be current ) on XX/XX/XXXX i received a letter from REAL TIME SOLUTIONS that XXXX   ( formerly XXXX ) had transferred the right to collect payments from me to REAL TIME SOLUTIONS ... The amount that they intend to collect is {$40000.00} the letter said to send a letter if you dispute the debt which i did. i called and spoke w XXXX XXXX and once again disputed the debt. He gave me his email sent an email XXXX so i sent another correspondence. i was afraid they might start foreclosure proceedings and i am a well known XXXX  in my community and the thought of reliving my name in the paper kept me up many many nights!!! i am proud to say i have been reestablishing credit.

On XX/XX/XXXX i received another letter from Real Time Solutions that XXXX  told them my attorney XXXX XXXX sent the extinguishment letter BACK and therefor the EXTINGUISHMENT WAS NOT PROCESSED!!! ( on the date of this letter the Bankruptcy had been discharged so he was no longer my attorney ... ) XXXX did not have the authority to process or not process the extinguishment. This was decided in a class action lawsuit with the DEPARTMENT OF JUSTICE! The Security Deed should have been cancelled! it has been 3 YEARS that XXXX did not abide by the ruling. i am not an attorney but it is definitely a violation of federal collection laws. i have all documentation that i will gladly send ...

any assistance will be greatly appreciated!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: CA

Complaint narrative:
XXXXXXXX XXXX  will not answer me for validating the correct amount shown for a debt they claim I owe. In XX/XX/2011I purchased a ring and they sent a letter after a few missed payments stating my account was closed and I needed to pay {$120.00}. This debt is reporting open with XXXX, with no amount, but closed on XXXX  and Equifax with a balance of XXXX. I've recently reached out to the creditor to take care of the balance and was advised that I owe them XXXX dollars as this debt is still open and incurring charges. I've tried to file a complaint with consumer financial after not being able to resolve the matter with XXXX XXXX XXXX myself. You guys sent it back two days later saying you couldnt locate them. If they're not going to report accurate information nor be listed accurate contact information then I am asking the Bureau 's to now intervene. This debt is not following FRCA laws and I need a resolution Immediately. This is preventing me from buying my first home and is causing me havoc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Phillips & Cohen Associates, Ltd.
State: OH

Complaint narrative:
I tried to call XXXX XXXX because I notices this fradulent account and they didn't discuss it with me then sent me to thier debt collector who doesn't have the information I wanted.i never opened this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation