vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
In mars Im found out I have XXXX $ in my credit report for XXXX XXXX now change in XXXX the name in chapter XXXX XXXX I was call the first number they can fount nothing in my name I call XXXX they cant found nothing in my name I told them try my social security they told me they found I have a all account in my social security in different name I try to talk to them to told me I have to pay for that bill I have XXXX   XXXX in past but I was returning the equipment in pay I told them to found in different office for my payment they said to me I have to done that by my self

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Conn's, Inc.
State: LA

Complaint narrative:
Conn 's calls and text messages you if you are late with one payment. My payments are due on the XXXX and if I do not pay exactly on the XXXX of the month I receive robo calls from different numbers all day until XXXX from Conn 's for a payment that is only due one day late. The calls are repeated even if you make a payment arrangement with them to pay the account. They harass you until the account is paid. I do not get paid until the XXXX of the month and I am annoyed and phone battery dies because of their repeat calls even if I make a payment arrangement. I heard on the news that this is against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage company NationStar DBA Mr Cooper has been reporting the following late payments on my account and credit report since 2015 even though I have never paid late. 
30 Days Late : XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX. 
XXXX, XXXX, XXXX, & XXXX. 
XXXX, XXXX, XXXX, & XXXX. 
XXXX 60 Days Late : XXXX This has affected my credit history, credit score, and credit limits with other lenders. When I asked the mortgage company what is going on they say they have taken my mortgage payment to purchase insurance even though I have purchased insurance already and provided the proof of insurance. I have always kept current with all payments and insurance. I have disputed this with the credit agencies and they say the lender has to correct the information. I have requested the lender correct the information several times verbally and in writing and nothing has been corrected. 
In addition to the late payment reporting errors, the lender is reporting incorrect monthly payment amount. My correct payment amount is {$1200.00}. The lender is reporting {$1500.00} as my monthly required payment. 

I have provided proof of payment and insurance to the mortgage company and credit agency and nothing has been corrected. The lender has not treated me fairly and has damaged my credit and reputation which I have worked so very hard to build. This is affecting my livelihood and ability to secure credit with other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
I had lease a vehicle from XXXX XXXX back in XX/XX/XXXX. I was a 24 months lease with monthly payments of {$640.00}. Lease was term was completed in XX/XX/XXXX. No missing payment or property taxes owed. Vehicle was returned almost XXXX miles under miles agreed. Vehicle was returned in great conditions. Today I received a letter from Toyota charging me a disposition fee of {$350.00} plus XXXX of sales taxes. When we got or returned the lease nothing of this nature was explain to us. We were not even given a copy of the lease agreement at the beginning of the lease. I when to de dealership today XX/XX/XXXX demanding an explanation from the sells man XXXX. He said to me the Toyota was charging me the fee because I no longer wanted to leased a vehicle from them. I find this observe and not legal. I going to be punish for not leasing another vehicle from them instead of being rewarded for completing the lease as was verbaly explained to me. I prepaid for milage and didn't use it. They made over {$700.00} of used milage and Im receiving a bill. When I returned the vehicle I ask Pitor is I owed anything else. He assure me I was all set. The nothing else was going to be charged and today when I asked him about the bill I received he did know what to come up with. I paid this company enough money already. Also I should not be penalize for not wanting to lease from them again. Please help me with this matter. These people made there leaving lying and taking advantage of consumer like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a complaint about midland funding trying to collect a debt from a XXXX XXXX  account in which I know nothing about. They provided a statement with a balance showing XXXX which first of all isnt mine but doesnt even match the amount they are attempting to collect which is XXXX which is what was reported unjustly on my credit report. I am attaching the letter and statement they provided. Charges on this card need to be proven in addition who was paying this credit card. Is there a copy of a payment and if so by whom at any point this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: FIFTH THIRD FINANCIAL CORPORATION
State: MS

Complaint narrative:
I purchased vehicle in XX/XX/XXXX through Fifth Third Bank. I changed insurance company XX/XX/XXXX, XXXX.and at the end of XXXX I cancelled my old policy with progressive and backdated the end date to XX/XX/XXXX, the new policy was in effect but it shows the start date was XX/XX/2017, which is a two day discrepancy. Fifth Third Bank contacted me and asked for proof of insurance. I inquired if the vehicle insurance card was acceptable and I was told yes. I sent the card and about a month later they contacted my a second time and asked for the declaration page. I sent that document to them also and they sent a letter stating that I owed them for two months of insurance because their record show I didn't have any so they place insurance on the vehicle. I provided them with insurance information and wrote a letter in an attempt to resolve this issue, they were rude on the phone and continuedly would tell me they didn't receive no letter or any information pertaining to proof of insurance. They are demanding {$710.00} for two months worth of forced insurance and are adding XXXX per month late fee even though I have proof that the vehicle was covered. Also they have adversely affected my credit by reporting late payments to all credit bureau causing my score to drop which has blocked my from acquiring new loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I recently relocated. I updated XXXX XXXX  card services with my new address. My phone number remained unchanged. I received a balance transfer offer from XXXX so I decided to take advantage of their 12 month no interest offer. I called and provided XXXX with the balance transfer information. It was accepted, processed and I have already made payments on the transfer. One week later, I attempted to use my XXXX card and it was declined. When inquired as to why, I was informed the representative that initiated the balance transfer reported there was suspicious activity during our initial phone call. When I inquired as to why Comenity did not contact me with their suspicions, they stated the transfer was completed at XXXX and they will not contact customers prior to XXXX. I asked why someone did not contact me at any point after XXXX on any day, the agent, XXXX, kept repeating that they do not call before XXXX. When I pressed the issue again, XXXX, become belligerent and demeaning and I felt very dismissive because I am a woman and a senior citizen. He ended my call by pretending we had a poor connection. I was extremely upset and felt XXXX took pleasure in my frustration, I called back later, spoke with a different representative named XXXX who attempted to remedy the situation by allowing me to input my personal information on their secure website to unfreeze my card. XXXX mentioned they allow customers to input their information on their site routinely in this manner. XXXX interceded and did not allow me to do this. XXXX refuses to unfreeze my card until I provide them photocopies of my drivers license, social security card and a utility bill in my name. I am uncomfortable sending this information via mail but XXXX informed XXXX that was the only means that he would accept. I sincerely believe XXXX is a XXXX agist and revels in causing female senior citizens distress. This would have been resolved months ago had XXXX just contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Hello I recently submitted a dispute that was on Experian credit report the entry was state of Michigan child support for {$1600.00} once I notice it I called and then payed online the same day I went Experian week after and asked for a dispute the balance would show correctly I submitted documentation that was the receipt that wased processed from payment and copy of bank showings the payments where taken out and with the proof the refuse to show correct balance and I asked about the time length of the item been on my credit report because the item has been on my credit report since 2003 and after 7 years it should have feel off but they refuse to follow the laws

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 2019-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
For the past several months I have come to learn that Capital One has been hiding/misleading I and possibly every other union member ( XXXX ) regarding Balance Transfer offers and fees. They have blatantly refused to honor the terms and conditions of their own terms and agreements provided with our accounts. 

For each of my credit cards, one business and the other consumer, I have a standing offer to execute a Balance Transfer at the current market APR % rate without a transaction fee. This is not a promotional offer, and can be opted for use at anytime of my choosing. 

However, whenever I attempt to execute a balance transfer online, the transaction ( s ) fail, thus forcing me to call into Capital One to process the transaction over the phone. 

My call is usually routed to a foreign country where the agent 's accent is very thick and the person rambles through the disclosures in the hopes I won't notice the fact my balance transfer now gone from {$0.00} to 3 % of the amount being transferred. 

Whenever I question this hidden fee, which again had not been disclosed within my original offer, the agent begins repeating the same canned response over and over, stating that there are no other Balance Transfer offers on my account. 
Which of course would not be true, because I would be looking directly at the terms and conditions of my offer in real time within the dashboard of my account, which again states a NO FEE per transaction offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-10 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:
XXXX point credit union was taken off then put back on without my knowledge by law the company have to notify you within 10 business days. or pay XXXX fine and remove it it's the law

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 2019-03-10 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I purchased vehicle in XXXX of 2017 through XXXX XXXX XXXX. I changed insurance company XX/XX/2017.and at the end of XXXX I cancelled my old policy with XXXX and backdated the end date to XX/XX/XXXX, the new policy was in effect but it shows the start date was XX/XX/2017, which is a two day discrepancy. XXXX XXXX XXXX contacted me and asked for proof of insurance. I inquired if the vehicle insurance card was acceptable and I was told yes. I sent the card and about a month later they contacted my a second time and asked for the declaration page. I sent that document to them also and they sent a letter stating that I owed them for two months of insurance because their record show I didn't have any so they place insurance on the vehicle. I provided them with insurance information and wrote a letter in an attempt to resolve this issue, they were rude on the phone and continuedly would tell me they didn't receive no letter or any information pertaining to proof of insurance. They are demanding {$710.00} for two months worth of forced insurance and are adding XXXX per month late fee even though I have proof that the vehicle was covered. Also they have adversely affected my credit by reporting late payments to all credit bureau causing my score to drop which has blocked my from acquiring new loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello my name is XXXX XXXX the reason i am making a complaint is because i had fraud activity happened on my bank account. There was on online website that said work from home all i had to do was enter account information to begin getting paid by taking surveys so i did it and not much later i started receiving letters in the mail ( XXXX ) with checks signed in my name that werent even written by me or deposited by me. I filed a complaint with Bank of America and nothing happened the account just closed and begin sending me emails sayin that i had to pay XXXX on ( XXXX ) i do not understand why. Now i moved to New York for school and no bank is letting me open an account and i am trying to figure out why? Even after i made a complaint to get the issue fixed

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 2019-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This could be filed as separate complaints, one is trying to get Wells Fargo to cooperate on repayment negotiation, second they have exceeded the agreed percentage rate and lastly they will not provide copies of the loan documents.

I have been calling, emailing for about 3 years to get Wells Fargo to cooperate with me. They are charging more than can afford being off and on unemployment twice in the last 3 years. My payments are over {$700.00} a month now. I have almost completely drained my retirement savings and have had to sell pretty much everything. I am making on time payments. Have not been late, and I did have the loan in deferment while on unemployment, but they will NOT reply to getting this loan rate lowered/adjusted and they can not provide me copies of signed documents. 
Originally this loan was setup not to exceed 8 % interest. It is now at 8.49 % and it goes up every other month. 
I can prove all of the information provided and have documentation and notes. 

Please help. I am XXXX and have no savings left to retire on. I am enslaved to Wells Fargo for {$74000.00}. It is as much as my mortgage. I need help and have no where else to turn. 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
Consumer complaint received 2019-03-10 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:
XXXX XXXX XXXX  XXXX was taken off then put back on without my knowledge by law the company have to notify you within 10 business days. or pay XXXX fine and remove it it's the law

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I started making payments for my loan in XXXX. I made IBR payments. They were roughly $ XXXX/month. My husband and I were filing jointly so my payments were very high. I didnt understand why my husbands salary had to do with MY student loan. Anyway, after XXXX we filed separately and my payments went down, finally. The only reason I did this was because after 2 years of payments not 1 cent was put to principle. How do you make over {$7000.00} worth of payments in a year with nothing to show for it. I am obviously trying to pay it off, but I filed taxes separate and my payments went down. I started in XXXX with {$160000.00} in debt for my XXXX of XXXX XXXX. Now it is XXXX and that has grown to {$210000.00}. In XXXX my husband and I were blessed with our little girl. I was out of work for 3 months. I was told by Navient that since I wasnt working my loan would go up to {$30000.00} in those three months. This is when I started giving up. I would like to pay off my debt, but in 7 years of IBR I now owe {$50000.00} more than when I started. What's the point in doing the right thing? What's the point in going for your XXXX so you can help people? Just ridiculous. There is no way out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
OnXX/XX/XXXX my American Express serve card was comprised at a XXXX XXXX in New Jersey on this day which was a Friday. I was very sick that an ambulance was called to transfer me to a hospital because I couldnt breathe and had server chest pain I was taken to New York XXXX hospital on XXXX in ny XXXX and diagnosis with XXXX and the thing about this is my birthdate is XX/XX/XXXX there is no way I could be in 2 places at 1 time in which I explain in writing to America express serve with documentation of my whereabouts on this day I filed a chief complaint with them and they verbally told me that I would have to wait 45days so that they could investigate I waited those days but in between I called and called them I spoke to 3 representatives of this company 1st one was named XXXX he then redirected my call to a America express serve Dispute at XXXX and again they stated that it was still under investigation on XX/XX/XXXX I received a email that this transaction was being declined because I so called authorize this purchase so In turn they told me to download a claim notice and return it to them I followed there policy but as every phone call was suppose to be recorded I expressed to them that I didnt make this purchases because i was hospitalized as per my conversation with them to mail it to American express serve XXXX XXXX XXXX XXXX Ga XXXX and to American Express XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ny XXXX I mailed this on XX/XX/XXXX and I have yet to here from either one of the addresses that provide to me I would truly appreciate some service from CFPB and I have also filed a small claim case against this company thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I owe no one my credit is excellent Resurgent capital services XXXX XXXX XXXX XXXX MI XXXX saying I owe XXXX XXXX XXXX XXXX XXXX 2007 account this is not true. 

I have no collections on my credit reports

Company response to consumer: Closed with non-monetary relief