vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AZ

Complaint narrative:
In the summer of XXXX, my wife and I received a collection notice from a company calling themselves AFNI attempting to collect a {$3800.00} debt that they claim was incurred with XXXX. The notice contained a demand letter, a return envelope and was written on official looking letterhead, giving an address of XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

The notice contained an offer to immediately eliminate the debt if we paid {$1900.00} ( half ) the amount due. 

Additionally and around the time we received the letter, we began receiving collection phone calls to a number we use for messaging. These calls were received 24 hours a day and often times occurred more than a dozen times in a 24 hour period. 

Neither of us has ever had an account with XXXX, although one of us was the victim of identity theft in XXXX of XXXX. We immediately pulled our credit reports and there was no appearance of a bad or delinquent debt owed to anybody. In fact, our credit scores were remarkably good. Of note, however, was an enquiry made by XXXX during the period of theft, however no other mention of this phone carriers is or has been made since. 

We contacted XXXX directly and verified that neither of us had ever held an account with that carrier and that none was currently in existence. 

We further contacted, in succession and over a couple of months time, the local police agency, the attorney general 's office in our state and the FTC, who directed us here. 

Reviews on the internet suggest that this is a predatory company attempting to defraud people into paying them quick cash, as indicated by the inclusion of credit card logos and forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/XXXX, I had a 6 month free trial of XXXX XXXX which I assume automatically renewed onXX/XX/XXXX without my knowledge for an amount sum of {$49.00}. Let me also say that I did not receive any bank statements from XXXX XXXX  at my billing address at the time, so I was not aware that I had accumulated any debt or else I would have paid it back immediately. 

I was contacted on XX/XX/XXXX by a debt collector who made me aware of the fact that I now owe {$300.00} and some change. After calls to XXXX XXXX, they informed me that the excess money owed to the debt collecting agency came from late payments on the account. I called XXXX XXXX, 3rd party debt collecting agency, and they have no knowledge of the initial charge on the account. They also stated that they would be willing to settle for {$210.00} but I declined since the original amount was {$49.00} and they did not send a statement to my billing address to inform me of the amount owed originally. I contacted XXXX today, XX/XX/XXXX,  and they granted a refund to my XXXX account for the XXXX $ since I did not use the prime service at all. Meaning, I should n't be in debt at all since the original amount I owed was a non-intentional and XXXX has recognized this and refunded the original purchase to the XXXX XXXX XXXX. I have attached an email verifying that XXXX has refunded the initial amount due to their error.

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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me BAC never reaffirmed that I was paying.

I called XXXX XXXX. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to BAC was discharged in bankruptcy and now was closed. TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to BAC. Judge allowed me to keep the property. BAC transferred the note to XXXX, who has a debt service contract with them. XXXX  assigned a new acct number.

I paid the back payments and then made every monthly payment.

After a year of making EVERY payment, XXXX transferred note back to BAC. BAC used the original loan number.

HOWEVER, BAC NEVER REAFFIRMED MY PAYMENTS. Sidebar : BAC also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow!

2. My credit reports ( 3 ) state that my mortgage to XXXX was discharged in bankruptcy and then just listed as transferred.

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!

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 2017-10-03 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: AL

Complaint narrative:
XXXX XXXX ( ca n't remember exact date ) I called equifax for the 6th time this month to report that fraudulent activity was going on with my account. Somehow I kept getting inquires added to my account that I was not authorizing. I thought that maybe this could have been from the data breach that was going on. I have XXXX inquires that I did not authorize. After being on hold and hung up on numerous times I finally got one of the rudest people ever. I informed the rep that I had already reached out to most of the creditors and that all they told me was they would dispute but it would be best to call the credit bureaus to have them delete the inquires since it was affecting my credit score and because I did not authorize. The rep basically told me I was liar, made me feel stupid, belittled me, and would not transfer me to a different rep or management. He wouldnt even give me his name to make a complaint on him. I informed him all I wanted was all inquires deleted off my account because I NEVER made any of them and that my score drastically decreased because of it. I had never felt so belittled in my life. After listening to this rep make me feel like a complete XXXX and that I was doing something wrong I ask to speak to a manager this rep actually told me he refused to transfer me because I was a liar and no one could do anything for me. I never in my life felt the way this rep made me feel and it made me hate equifax for it. All I wanted was some unauthorized inquires deleted. That 's it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I was surprised by owing a large debt for electricity in a rental I believed I was not supposed to pay for. It went into collection, I realized I am actually responsible for the debt, and started dealing with my electric company regarding it. The power company informed me I can pay them directly, and bypass the debt agency. 

The number they are contacting is my work number. I have no idea how they got my work number, but they call it almost every day. I told them to stop calling it. They also send bills to my work address. I have a personal phone, and home address where my electric service was at, so it is odd they continue to call my work phone. 

I have asked them to stop, but it seems to do nothing. 
XXXX are only the calls I have recorded the dates/times ... there have been more. 
They call from the number : ( XXXX ) XXXX CALLS : XXXX/XXXX/XXXX at XXXX CST XXXX/XXXX/XXXX at XXXX CST XXXX/XXXX/XXXX at XXXX CST

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Credit report shows fradulent account in collection with Trident Asset Management.  Credit report states account was opened under XXXX XX/XX/XXXX, and the date " deliquency first reported '' is less than 1 month later, XX/XX/XXXX. However, " date of first deliquency '' is almost two years prior, XX/XX/XXXX. 

I have only ever had an account with XXXX for a very short time before the XXXX buyout, starting in XXXX XXXX. The debt owed is NOT my personal debt and I have received zero notices from Trident regarding this deliquent account. Attempts to contact the company directly resulted in the company violently terminating the phone call without prompt. Clearly they are VERY LIKELY engaging in illegal activity and fraud, given the amount of reports listed on this website and others ( XXXX, BBB, etc. ). 

I have filed disputes with XXXX and the other bureaus are pending. If necessary, I can followup with XXXX to confirm I have never had an account in or around the dates Trident Asset Management has listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: TX

Complaint narrative:
I am a victim of identity theft. Several inquiries are showing on my credit report that were not authorized by me. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX Bank XXXX XXXX XXXX Finance All of the companies listed above obtained my credit report due to fraud. I have contacted each company and all companies have agreed to request the removal of the inquiry from my credit report. As of XXXX/XXXX/XXXX these inquiries are still showing on XXXX or more of my credit reports. I have attached a PDF of the letters I have received from the creditors above showing they have requested the removal of the inquires. I have also attached a copy of my photo ID for verification purposes.

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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I tried to get my credit report from TransUnion. I was not shown a bill ; however, I was billed upon being shown my credit report for " credit monitoring ''. I emphasize that no bill was shown or available, and thus the charge is fraudulent.

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 2017-10-03 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: TX

Complaint narrative:
I am a victim of identity theft. Several inquiries are showing on my credit report that were not authorized by me. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the companies listed above obtained my credit report due to fraud. I have contacted each company and all companies have agreed to request the removal of the inquiry from my credit report. As of XXXX/XXXX/XXXX these inquiries are still showing on XXXX or more of my credit reports. I have attached a PDF of the letters I have received from the creditors above showing they have requested the removal of the inquires. I have also attached a copy of my photo ID for verification purposes.

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 2017-10-03 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: TX

Complaint narrative:
I am a victim of identity theft. Several inquiries are showing on my credit report that were not authorized by me. These inquiries include : 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 All of the companies listed above obtained my credit report due to fraud. I have contacted each company and all companies have agreed to request the removal of the inquiry from my credit report. As of XXXX/XXXX/XXXX these inquiries are still showing on XXXX or more of my credit reports. I have attached a PDF of the letters I have received from the creditors above showing they have requested the removal of the inquires. I have also attached a copy of my photo ID for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I went into Dicks Sporting goods to make a purchase. The lady at counter convinced me to take out a credit card with the promise of a 25 % refund either mailed to me or taken off my first bill. I did not want a card, but the deal was too good to pass up. 

After taking out the card I never received the 25 % refund, so I had to jump through tons of hoops for absolutely no benefit. It turns out the lady at Dick 's Sporting goods entered the information into the system incorrectly. 

I spent over XXXX hours with Synchrony bank and the people at Rewards of XXXX XXXX. None of the technicians could help me and it was over a half an hour wait for a XXXX. A XXXX said she would fix the problem, but it appears the problem was never fixed. 

I am going to pay the full price, no discount included, and close out the card. 

I made several calls on XXXX around XXXX to XXXX XXXX ). I also called several times before that.

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 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: WA

Complaint narrative:
My father received a call from a " XXXX XXXX '', he returned the call at XXXX XXXX XXXX XXXX and spoke with a " XXXX XXXX '' about a debt I apparently owed. I called and was informed the company was " XXXX. XXXX '' or " XXXX Services '' in Nevada. I spoke to " XXXX '' who referenced my social security number and an old account number at U.S. Bank. including dates that the account was open ( XXXX which seems correct XXXX, closed and when it was sold to collections ( XXXX ). This is the first I have ever heard of any collection issue with the account. He informed that it 'd be reported to XXXX XXXX who would freeze all my checking accounts. I later spoke with a friend at U.S. Bank who did not even show the account as charged off. I also looked up to WA state statute of limitations. When I called " XXXX '' back to inform him that even if the debt did exist it would be time-barred given the state law, he threatened to take it to court.

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 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
The lender is in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( ii ) due to actively proceeding to foreclosure sale set for XX/XX/XXXX ( Dual tracking ) while actively reviewing the file for loss mitigation ( loan  modification ) review. The lender was sent a loss mitigation application on XX/XX/XXXX and again on XX/XX/XXXX - the lender stated they never received the application sent on XX/XX/XXXX - We were advised of missing docs for the review as of XX/XX/XXXX and provided the missing items for the review as of XX/XX/XXXX on XX/XX/XXXX they advised all information needed for this review was provided and the file was sent to underwriting - we called for an update to the review as of XX/XX/XXXX - we were advised at this time the file was active litigation and all correspondences need to go through XXXX Atty. Up until this date we were provided all information on this file - Nothing has changed on this file to deem it a litigation file - We feel the lender is stalling this review so the sale date can proceed - we contact the XXXX atty ( XXXX XXXX, XXXX / XXXX XXXX XXXX - XXXX ) - this XXXX advised they know nothing about the XXXX proceedings they handle litigation. No one will provide us with an update or a postponement of the XXXX sale set for XX/XX/XXXX - we feel the lender is not willing to work with the client and has failed to do a complete and accurate review of the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: TX

Complaint narrative:
I closed on a home in early XX/XX/XXXX and everything was understood to be under escrow. I live in a state mandate to have windstorm insurance as well as home owners insurance. So seven months later i was effected by hurricane Harvey and withstood peorsonal property damage which should have been cover by the windstorm insurance. Damages ranging from my entire fencing around my property being blown away and my shed being blown away. Now come to find out i never had windstorm insurance ( reminder it is mandatory to have to close ) so all of my damages have so far had to be repaired out of pocket. I know that my morgage loan was purchased by a different morgage company but none the less it was between the title company and the morgage company to determine mlwhat coverages i needed after i set them up with my insurance company. Everyone i talk to us just pointing the finger to different companies and no one wants to take the blame. All i know is someone dropped the ball between morgage, title and insurance company and they should be liable to cover my damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
They have closed the stores and I asked them to close my revolving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
My loan with XXXX XXXX was paid off in full on XXXX XXXX by XXXX XXXX. 

XXXX XXXX received an extra mortgage payment from me in the amount of {$3100.00} on XXXX XXXX and is refusing to return that payment to me in a timely fashion - they had promised it would be sent within 10 business days and is now informing me that it 'might be in the mail '. It is beyond the 10th business day and they are stating they are holding the amount 'just in case the check does n't clear '. 

I have ALREADY been informed that the loan has been repaid by a letter from them, and that a Full Reconveyance will be sent directly to the County Recorder. 

I believe XXXX XXXX is holding my funds in violation of terms and conditions of my paid-off loan and should pay interest to me for the amount they are holding from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have informed XXXX and Transunion that the XXXX XXXX was never late in 2014. I have had a difficult time trying to get Transunion and XXXX to to remove this inaccurate information from my credit file. Please assist me in getting this account removed from my credit file.

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 2017-10-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have informed all of the credit agencies that the XXXX XXXX XXXX XXXX Account that the late reporting on my credit file is reporting in error. I was never late on this account. Please help me to get this inaccurate information removed from my credit file.

Company response to consumer: Closed with explanation