vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is unlawfully attempting to force me to pay for a tire that I dont have. I have contacted XXXX XXXX and XXXX to resolve this matter. I returned a wheel to XXXX XXXX back in XXXX because its was for a big truck and not my XXXX  and therefore could not be put on my XXXX. XXXX XXXX lied and said the tire was mounted. I explained to them that it did not fit and it was not mounted. XXXX XXXX refused to send a new tire and refused to remove the charges. All they sent was a picture of a damaged tire, this is not the tire I had, my tire was NOT used at all!!! Ive asked XXXX to investigate and all I get is the runaround. They are taking XXXX side and really trying to steal from me and damage my credit. I am being bullied by these companies. They are casually ignoring my requests and are taking advantage of me, the consumer. Now, this unowed amount is on my credit report!!!! I do not have the tire and did not damage it. The tire I received was not used and was sent from me in perfect condition. I do not owe this debt at all. Experian needs to remove the negative reporting 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 2019-03-09 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: OH

Complaint narrative:
I have a company that I have never done business with that is reporting a fraudulent account on my Credit Report. XXXX XXXX XXXX I do not have a loan or contract with them this account is Unverified the is not details or address to contact WTH? Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. PLEASE MAKE SURE MY CORRECT INFORMATION IS IDENTIFIED DOB XX/XX/XXXX SS XXXX Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2019-03-09 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I try to get a hold of Syncb Inquiry but the number listed is disconnected. I did not initiate a request from them and don't even know who they are. this was a Inquiry from XX/XX/2018 2018

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 2019-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
My mortgage company is overcharging me for PMI insurance. When the XXXX payment was paid on XX/XX/2019 IAO {$1000.00} by XXXX felt below XXXX. %, New Rez continue to charged a PMI payment for {$57.00} on XX/XX/2019, afterwards I paid {$24000.00} towards the principal and i was charged another PMI payment on XX/XX/2019 when my XXXX was below XXXX %. I called and complaint and no response, continued to call them but they demanded for me to submit the request in writing to cancel the PMI. I find this discriminatory it supposed to be automatic. As of today, I see no resolution from my lender, i feel that my PMI should have dropped automatically after my XXXX reached below XXXX   % in addition i never missed a single payment on my mortgage. Please help me get this cancel and get a refunds for the 2 PMI payments the owed me back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
During the year 2017 I went to XXXX XXXX to purchase a bed, and wanted to use my XXXX  XXXX card to pay for it. The limit on the card was {$700.00}, and I requested them to raise the limit to {$2500.00} so that I could pay for the bed. They rejected my request, saying that there was an outstanding debt reflected on my credit report. I knew nothing of any debt and immediatelt went to the credit bureau to see what this could be. I was horrified to find that on XX/XX/2017 a company, LVNV Funding LLC, supposedly acting on behalf of XXXX XXXX, XXXX, had lodged a debt owing of {$460.00}. I have never heard of either company, and requests to them to have this removed have gone unanswered, and my complaint to the credit bureau was negatively responded to, and they told me to contact you. 

Because I do not have any credit cards or other debts other than my home and car, I haven't worried too much about it, but I just had my car refinanced by my bank and they mentioned this to me again, and penalised me because it was still unpaid by adding 2 % onto the interest rate that they would have charged me had it not been there. 

I have copies of the correspondence sent to both LVNV and XXXX XXXX should you wish to see them, and I would be grateful if you could advise me what further steps I can take to get this debt removed from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
HIPAA VIOLATION ... .Please be advised I have requested " validation '' { not verification } of XXXX itmes you reported to the credit bureau.I have received a response that clearly violates my rights according to HIPAA . 

XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2019-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed account # XXXX XXXX XXXX XXXX  on my credit report due to inaccurate information. The account was deleted. I checked my report and noticed that the account was added back to my report. I called Experian today XX/XX/XXXX to ask why wasnt I notified in writing about the account being added back to my report. The rep XXXX told me the account was never deleted which is a lie because I have proof it was deleted from EXPERIAN! I would like the account deleted. I have inaccurate information reporting on my report and Experian is the only reporting bureau that seems like they are not investigating properly.

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 2019-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX I applied for, and was approved for, the Capital One Spark credit card. Under the terms of the card agreement, Capital One agreed to pay me 2 % cash back on all purchases as an enticement for me to use their card. Because of this, I used their card for numerous purchases. All purchases were in accordance with their terms and conditions. Capital One paid the 2 % cash back up until they sent me an account closure letter, dated XX/XX/XXXX. 

The reason for closure - We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for commercial or small business purposes. 

As you'll notice, Capital One did not say they were closing the account due to any breach of the terms and conditions on my part. I used the card in accordance with Capital One 's agreement with me. I do not understand why they closed the account. I was never late for an account payment, and I used their card heavily, as I thought that was what they wanted, since they offered a generous spending bonus. 

As of the XX/XX/XXXX closure letter, there were 18 transactions on the account that had either not posted or had not received 2 % cash back. These transactions totaled {$27000.00}. Capital One owes me {$540.00} cash back for these purchases. They have refused to pay me cash back for any of these purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-09 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: CITIBANK, N.A.
State: IL

Complaint narrative:
My problem is with CitiCards. On XX/XX/XXXX I mistakenly made an online reservation with XXXX for lodging at the XXXX XXXX in XXXX Utah for XX/XX/XXXX and XX/XX/XXXX. While I was led to believe that I was speaking directly with the XXXX XXXX I was instead speaking to a reservation clerk at XXXX. I did this on my XXXX and clicked on a site that said XXXX XXXX reservations. I am a senior ( XXXX years young ) and did not look carefully enough. I also believe XXXX purposefully makes clicking on their site an easy distraction for people like myself as a means of deception. However, my complaint is with CitiCards. Once I realized my error I immediately called the XXXX XXXX and explained what happened. As I was within the required 24 hour cancellation period, they agreed to refund my payment. However they sent it back to XXXX ( See attached ). Since then I have tried numerous times to get a response from XXXX and failing that have lodged my complaint with CitiiCards. I expected that they would act on my behalf ( See attached ).  Citibank charges are for {$750.00}. I don't understand why I have not received reimbursement as I have submitted documents substantiating the check from the XXXX XXXX back to XXXX. Thank you for consideration in this matter.

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 2019-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX entered agreement with XXXX XXXX XXXX XXXX XXXX XXXX install new A/C and heating. We financed through them {$8400.00} for 48 months no interest, through XXXX. In XX/XX/XXXX installation took place. XXXX sent written billing requesting {$170.00} per month. We paid the {$170.00}, but paid 2-3 extra payments and set auto payments of {$170.00} thereafter. XXXX unilaterally changed the term of the agreement by adding terms not agreed upon -- 1 ) monthly payments ( agreement payoff total within 48 months no interest ) ; 2 ) if additional payments made they still demanded monthly payments ; 3 ) and if {$170.00} was not paid each month then a late charge is being imposed. At least 3 phone calls were made to XXXX and email with a copy of the XXXX agreement, but they refused to follow the agreement, sending their own unilateral agreement which was never agreed too or signed. A letter was sent XX/XX/XXXX setting out our position, advising of the dispute and our previously having provided the signed agreement with XXXX, asking for clarification on how they wished to proceed. No written response or communication via email as requested. They make unwanted calls just about weekly to my wife, XXXX. They are harassing and annoying, and send demands for payment, including later charges.

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 2019-03-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX my now ex-husband and I obtained a reverse mortgage on our house at XXXX XXXX XXXX XXXX, XXXX, FL XXXX through XXXX XXXX XXXX. This mortgage was sold to XXXX XXXX XXXX, division of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX TX XXXX phone XXXX in late XXXX. I left this house in XXXX and have no contact with my ex since XXXX, and have not seen any of the documentation sent to that address concerning this transfer. Our divorce agreement allows him to remain in the house until it is sold and he is being very uncooperative with this process. We contracted with XXXX XXXX of XXXX XXXX XXXX XXXX in the XXXX XXXX Florida office phone XXXX and finally signed a contract after agreeing to a listing price of {$350000.00}, knowing full well that the house in the condition it is in would not sell for anything near that price but it was a starting point to see what comments from viewers were along with any offers that were received. There were no offers, comments were very negative. 
We finally received a cash offer of {$220000.00} from a party needing to get money from a property exchange invested. XXXX XXXX hired XXXX XXXX XXXX, XXXX XXXX XXXX owner, XXXX XXXX XXXX XXXX, XXXX FL. XXXX phone XXXX to do the appraisal and his appraisal, with lots of errors, was given to XXXX XXXX of XXXX XXXX  at {$350000.00}. I sent Ms XXXX an e-mail letter requesting copies of all documents sent to the XXXX XXXX XXXX address on XX/XX/XXXX, I spoke to her on XX/XX/XXXX, she said that the e-mail address I was given was incorrect and that she never got the letter and that the dispute of the appraisal had been reviewed and the short sale was denied. I had to fax ( not e-mail ) the letter to her which I did through Mr. XXXX. Even though the reverse mortgage includes insurance for any shortage, they will not approve the short sale, want the house sold for {$350000.00} which will not happen. Mr. XXXX is filing a complaint against the appraiser as well. The amount of documents is large ( the appraisal documents & pictures alone are 46 pages ), and I don't yet have and have no ability to get from my ex, other documents that may be needed. Please let me know what you may need and I will do my best to obtain them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a direct deposit elderly XXXX single female customer of bank of America for many years. My Social Security income is all I have. If I don't get the over draft of {$35.00} resolved in 5 days they will charge another fee.. I will not have direct deposit for another month XXXX XXXX. I have no one to help me, I live alone. I have no money to pay for doctors visits or my medication for this month and now next month because of the fees. I am XXXX and unable to work. {$70.00} is a lot out of my income. They will get the money automatically before I can use my Social Security check direct deposit XX/XX/2019 to cover the overdraft. I have no income until then. 
The over draft was created by my life insurance which I can not afford and intended to cancel after only having it for less than 2years. I don't have family to help me. I will have to cancel so this does not happen next month. I don't know what to do I am helpless. 
As of this date XX/XX/2019 I am over drawn by {$48.00} which includes the {$35.00} fee already posited by the XXXX it will be another {$35.00} fee

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 2019-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
During the year 2017 I went to XXXX XXXX to purchase a bed, and wanted to use my XXXX XXXX card to pay for it. The limit on the card was {$700.00}, and I requested them to raise the limit to {$2500.00} so that I could pay for the bed. They rejected my request, saying that there was an outstanding debt reflected on my credit report. I knew nothing of any debt and immediatelt went to the credit bureau to see what this could be. I was horrified to find that on XX/XX/2017 a company, XXXX XXXX XXXX, supposedly acting on behalf of HSBC Bank, Nevada, had lodged a debt owing of {$460.00}. I have never heard of either company, and requests to them to have this removed have gone unanswered, and my complaint to the credit bureau was negatively responded to, and they told me to contact you. 

Because I do not have any credit cards or other debts other than my home and car, I haven't worried too much about it, but I just had my car refinanced by my bank and they mentioned this to me again, and penalised me because it was still unpaid by adding 2 % onto the interest rate that they would have charged me had it not been there. 

I have copies of the correspondence sent to both XXXX and XXXX XXXX should you wish to see them, and I would be grateful if you could advise me what further steps I can take to get this debt removed from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACS Education Services
State: CA

Complaint narrative:
On XX/XX/2014, I received a phone call regarding my student loan debt telling me that I need to pay my loan or they would send a report to the credit bureaus damaging my credit. I informed them that when I tried to log onto the ACS Education website to pay my loan, I could not log on. They then took my debit card information to make payment on my loan. 

I was then told that I would be given a new account so I could continue to make payments on this loan. Years later, I learned from my credit report that they already reported me to the credit bureaus as being seriously delinquent on this loan for 150 days despite the fact that I was unable to make payments due to their deletion of my online account. 

When I tried calling them about this, they said that they no longer serviced my loan and would be unable to help me regarding this matter. They are now called Conduent Education Services. 

Furthermore, my credit reports are still showing that I owe money despite having already paid off the loan.

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 2019-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: NV

Complaint narrative:
This is NOT MY ACCOUNT. ... to begin with, I dont owe XXXX anything as I was never in a contract with them and havent had their services. That being stated, please provide me with the original signed consumer contract bearing my signature showing what services theyre alleging I received so I can take the original consumer signed contract to my police department. I am not and havent been a XXXX user. 
My local law enforcement is pretty direct when it comes to bringing all of the facts and proof in, when filing a police report so please get that to me ASAP. 
This is also your additional notice ( other than when I called ) of me informing you that this is NOT my account. 

Thank you

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