vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 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: CA

Complaint narrative:
My name is XXXX XXXX and I am writing this on behalf of my mom. 

XXXX XXXX Balance {$6900.00} Credit Card. I have never opened a credit card in my life. Credit Card date assigned XX/XX/XXXX. There are inquiry dates in XX/XX/XXXX. 
Inquiry for XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. I don't speak English nor write, Called Consumer Services and Went to XXXX XXXX but they can not help me. 
I applied for the XXXX XXXX and during the application process we were told about this credit report. I don't know how to use the computer or apply for the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
medical company ( XXXX XXXX XXXX XXXX  ) failed to use accurate insurance company ( XXXX ), thus never made claim to insurance. ( XX/XX/XXXX ) Billing statement was sent to incorrect address by medical company ( XXXX XXXX XXXX XXXX ). ( No Verification bill was ever actually sent ) Received letter from collections company ( I.C. System, Inc ) about amount due to medical company - ( XX/XX/XXXX ) Bill of {$1400.00} Insurance company ( XXXX/XXXX ) aided in disputing amount due - mailing address updated by medical company ( XXXX XXXX XXXX XXXX ) to receive bill and claim to be filed under correct insurance company ( XX/XX/XXXX ) Mailing address was not actually updated by medical company ( XXXX XXXX XXXX XXXX ), and claim was not actually filed with correct insurance company ( XXXX/XXXX ) as discussed. 

Collections company ( I.C. System, Inc ) again attempts to collect incorrect debt from medical company ( XXXX XXXX XXXX XXXX  ) - find that mailing address was never updated and claim was never filed. ( XX/XX/XXXX ) Bill of {$1400.00} Dispute over debt made with collections company ( I.C. System, Inc ) in order to prevent negatively effecting credit. Put debt in hold with company. ( XX/XX/XXXX ) Summarizing, the medical company ( XXXX XXXX XXXX XXXX ) repeatedly failed to update correct insurance information and correct mailing address ( thus a failure of notification ) and repeatedly sent bill to collections ( I.C. System, Inc ) after attempts to rectify the situation by myself and my primary insurance  provider ( 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 2019-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
I own an investment property at with my ex-husband where he hasn't paid the mortgage in a long time. The court has given me authority to act as sole negotiator for this property and I listed the property with a real estate company. The property is in foreclosure state but we have a buyer who has given us a contract to buy it for {$140000.00}. The total balance owed to Specialized Loan Servicing is {$160000.00} and to XXXX XXXX XXXX where we borrowed the downpayment is {$21000.00} where he hasn't paid either. XXXX XXXX has a second mortgage on the property. 

The title closing lawyer has requested a payoff from SLS that would be a short sale. I submitted to SLS an application to ask for a short sale. But they will not answer. The act of sale was supposed to be today, but the lawyer says we can't do it because we don't have agreement from SLS for final payment. 

This is causing me a hardship because I am trying to settle these debts and restore my credit. I was out on XXXX XXXX for 7 years and just went back to work where I am being garnished for debts my ex husband has not been paying. He is on XXXX and not responsible. 

I am attaching the application the title lawyer sent to SLS to approve short sale and the last payoff statement they sent my real estate agent in XXXX when I listed the property for sale. I am a responsible person and trying to do the right thing and sell this property, but it is not worth as much as is owed on it so this is the best I can do to sell it. It's just not right that they won't answer when I have a buyer ready and able to buy the property. And I might lose the buyer if we can't go to act of sale as soon as possible.

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 2019-02-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This morning ( XX/XX/XXXX ) I contacted Citi BankXXXX to inquire about my XXXX rewards check I should be receiving. They immediately told me I would not be receiving the rewards check since I was enrolled in a debt management program and my card was closed. I asked to speak to a manager and explained that before enrolling in the program I called a couple of times to confirm that I would still be receiving my XXXX rewards check even though the account was closing and they very clearly confirmed that was correct. However they did want me to understand that I would not be receiving any more reward points in addition to the points I already had since the card was going to e closed and not being used which made perfect sense me. The reason for this complaint and what is not okay with me is being lied to that now all my rewards are gone/forfeited when I was assured that I would be receiving the check. I wouldn't have enrolled in the program right away if I would have been told that as to avoid losing the certificate when it was just a few months out from distribution. The manager explained they would issue a credit to my account for what the certificate amount was for however that is unacceptable because that does not provide the money to me immediately for the benefit. In addition having a credit does not benefit me immediately since I am not able to use the card since it is closed. The manager stated this information was in the terms/conditions and I explained to him this was NEVER communicated to me in any term or condition nor was I provided any paperwork stating this and or agreeing to it. It is unacceptable ultimately in the communication I was provided and that it was confirmed I would be receiving the check in which I am needing to have resolution on this.

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 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Admin Recovery, LLC
State: NY

Complaint narrative:
This is not my debt. This debt was from identity theft and it was removed from my credit report. Now this company is trying to collect money. This is not my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This false information has been removed from my other reports. This debt is NOT owed by me and the original " Debtor '' knows this! As does the collection agency, whom is committing fraud by still reporting this false information! It needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My funds that were deposited into my account were not available due to Navy Federal Credit Union outage. My bills are now late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
Purchased lawn equipment through XXXX they offered to apply for their no interests same as cash thru WHY NOT LEASE IT program. Highway robbery. As, the loan has come to an end we have had trouble with the buy out amount. It changes with their excessive fess and interest every time i try and buy out. I have tried taking my card off the on line account so they don't take any more money but website doesn't allow you to do that.It makes you speak to a representative and you are practically forced to go through the whole buy out process again. if you don't buy out your put on monthly you cant afford with excessive absurd amount of fees until you can buy out which are EXCESSIVE but, when they have access to your debit card and bank info you have no choice. Which you provide at purchase in order to apply for their program at XXXX stores. XX/XX/XXXX the merchandise was purchased for XXXX. To date XX/XX/XXXX they have collected a total of XXXX. After arguing and demanding them to stop and telling them i will file a complaint I still had to pay another amount to buy out of XXXX today. Which now comes to a grand total of XXXX. I am so disheartened that this company is allowed to business in the us. Help us!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX, I requested XXXX to remove from my credit report files, information about my student loans that are affecting my credit, and my ability to move on and rebuild my life. 

Originally these institutions used to have my loans : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Status : Inactive as of 1996XXXX I already consolidated these loans with XXXX XXXX XXXX XXXX, and I'm paying on time. These double reporting is causing a double effect on my credit, on one side I'm receiving positive reviews for my good payments with XXXX, and in another hand a negative one from those mentioned. We have to take into account that these are the same loans, the same amount of money lent to me, and is causing collateral damage. 

These double reporting mix is inconsistent with the honesty of the agencies and does not help me build my credit, do not preserve the integrity o my responsible history payments. 

Please help me with XXXX, and Transunion to remove this information. XXXX already removes them. 

I'll be eternally grateful, Thank you very Much. 

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 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX, I requested Experian to remove from my credit report files, information about my student loans that are affecting my credit, and my ability to move on and rebuild my life. 

Originally these institutions used to have my loans : XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Inactive as of XXXX I already consolidated these loans with XXXX   XXXX  XXXX  XXXX, and I'm paying on time. These double reporting is causing a double effect on my credit, on one side I'm receiving positive reviews for my good payments with XXXX, and in another hand a negative one from those mentioned. We have to take into account that these are the same loans, the same amount of money lent to me, and is causing collateral damage. 

These double reporting mix is inconsistent with the honesty of the agencies and does not help me build my credit, do not preserve the integrity o my responsible history payments. 

Please help me with Experian, and XXXX  to remove this information. XXXX already removes them. 

I'll be eternally grateful, Thank you very Much. 

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 2019-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
Name : XXXX XXXX XXXX SSN : XXXX Date : XX/XX/19 Re : " National Credit Adjusters ( XXXX XXXX ) '' Phone : ( XXXX ) XXXX This account was recently reported to all 3 Credit Bureaus. The alleged balance is {$350.00}, however I have never had any business or association with " XXXX XXXX XXXX. '' I have yet to receive any debt validation letter either. This account is listed as a negative item and has impacted my credit score adversely. I am asking that this account be removed ASAP and that my credit be remedied accordingly. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have been tryng to submit my Mortgage Assistance Packet to Freedom 3 times now. Each time submitted, I am sending via email and to two ( 2 ) fax numbers, all of which have been opened, per my read receipts. 

I have heard nothing from them, just form letters with contact information and XXXX requests for documents I have already submitted. Nothing - other than this. 

Currently, I am in the hole with payments, and can blame really no one else but myself, as the don't care about my current situation. Per my previous complaint, I have stated that I can not afford the new monthly payment due to tax reassessment. However, no communication, nothing to show that they give a hoot. 
I am sending this complaint for several reasons : 1. To force someone to contact me via email, rather than postal mail, per my request in every note, email and fax I have sent them. Postal mail takes to long, and can be used to XXXX me out of deadlines. 
2. To create a paper trail, which is admissible in any court, showing that I am trying to get help to no avail from Freedom. 
3. I feel taken advantage of, as I am on a fixed income and can not make additional higher contributions to payment, at this time. 

Continued ignoring and lack of communication is a well known tactic, one that often results in a foreclosure. I will not have it, and that is why I am pushing the issue.

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 2019-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I am writing to complain about the Nissan Motor Acceptance Corp ( NMAC ) charge of {$1100.00} on my XXXX XXXX lease termination. My account number is XXXX. 
I am surprised that I am charged anything more than {$190.00}. 

We returned the XXXX XXXX under account XXXX to the XXXX XXXX dealership in great condition on XX/XX/2018 around 21k miles. This is way under the 36k miles contracted in the lease, and 2 months before the lease expired. We also gladly lease a new XXXX XXXX from the same dealer on that same day ( new account number XXXX ). 

We consulted with the dealer, before we returned the XXXX   and signed the new lease on the new XXXX, that the Special Lease Turn-In Offer of {$500.00} off Excess Wear and Use Charges we received in mail is good even if we put the new lease on different members of my family as far as we validate that the names are all under the same address. 

We returned the car with its manual and every single part. It is hard to imagine that a car with 21k miles have excess wear & use of {$480.00}. We even put on a new tire for the car. Anyway, this amount should be covered by the Special Lease Turn-In Offer of {$500.00} off Excess Wear and Use Charges. 

I was also told by the dealer that we do not have to worry about the Disposition Fee of {$390.00} since we leased a new XXXX from the same dealer again. As such, the only charges I can understand in the NMAC statement is the remaining payments of {$190.00}.

I kindly ask that NMAC correct the invoice promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
Alpine and the original debtor have been told repeatedly that this debt is NOT mine. It has been removed from other reports except XXXX. I demand Immediate removal or litigation will follow.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
Based on customer conversations with various members of the Discover credit card customer services team : XX/XX/XXXX Discover payment made, but improperly labeled and credited to wrong accounts XX/XX/XXXX Discover credit card company receives payment. 

XX/XX/XXXX Discover credit card company contacted by customer regarding payment and claims no record of payment ; payment bank contacted by customer about payment and confirms payment has cleared. 

XX/XX/XXXX Discover credit card company contacted by customer regarding payment and claims no record of payment ; customer told it could take up to 10 business days to post to account once proof of payment received ; customer is not given a factually confirmable reason for such a potential delay ; paying bank contacted about payment, payment bank sends by fax proof of payment to Discover credit card company. 

XX/XX/XXXX Discover credit card company locates payment internally.

XX/XX/XXXX Discover credit card company contacts customer via 2 emails notifying customer missing  payment has been located and notifying customer payment was initially sent to an invalid account. 

XX/XX/XXXX Discover credit card company contacted by customer inquiring why payment has not posted ; Discover credit card company responds, " the payment is being processed. '' XX/XX/XXXX Discover credit  card company internally manually " keys in the payment '' and internal approvals to post the payment are given at an unidentified time ; customer receives 2 emails identical to the emails received on XX/XX/XXXX from Discover credit card company. 

XX/XX/XXXX Customer contacts Discover credit card company to inquire why payment has not posted and speaks to two separate individuals, including the billing/payment research team ; customer informed payment being processed and should post by Friday XX/XX/XXXX. 

XX/XX/XXXX Customer contacts Discover credit card company to inquire on payment status, since customer is aware the payment will not post on Friday if it is not keyed up to post on Thursday. Customer speaks to five different individuals, including a payment research supervisor in DE, and is told multiple way that the payment is being processed. Customer express disbelief of the " process. '' XX/XX/XXXX Customer contacts Discover credit card company to inquire on payment status, since customer is aware the payment has not post on Friday. Customer told by four different employees payment " is being processed. '' Customer silently prays to keep calm. Fourth employee walks customer through the " process '' trying to keep story straight and explain the time lags. Fourth employee assures customer payment will posted by Wednesday, XX/XX/XXXX, but possibly Monday, XX/XX/XXXX. Customer files complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/XXXX Received a loan with no interest for 12 months for XXXX.. With Capital One. Between XX/XX/XXXX-XX/XX/XXXX I received charges of {$1800.00} that were not mine. To date I have paid {$2000.00} and have a current balance of {$1300.00}. And I am paying interest. I requested removable of these false charges. I told them someone or someones charged to another credit card also & a retail credit card. They just ignored me. XX/XX/XXXX they closed & locked my account ending in # XXXX & transferred the balance to a new card ending in # XXXX. I received a letter that my account had been turned over to their dispute team. I refuse to believe that a Credit Card Company can add anything to your account and you have to pay it! With interest!!

Company response to consumer: Closed with explanation