vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
When moving out of my apartment, I received the attached move out form showing nothing was owed. The collection in discussion was filed mistakenly for breaking my lease early which I did not. Also attached is a handwritten letter from the property manager stating this was their mistake as well. I have been waiting for weeks now trying to get a more formal letter so that this can be corrected but they are no longer taking my calls.

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 2017-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: IL

Complaint narrative:
Purchased a home with an FHA mortgage and a XXXX XXXX Homestyle Renovation loan. I am seeking to terminate the Renovation loan and have the loan balance applied to the principal balance of my mortgage and the company refuses to terminate the loan. Originally held by XXXX XXXX, the mortgage or renovation loan portion of the mortgage is currently administered by HomeBridge Financial Services.
HomeBridge had indicated that if I did not re-apply for an extension of the loan, the loan would be terminated. I did not apply for an extension, but they did not terminate the loan. 

I contacted HomeBridge and demanded the termination of the loan. HomeBridge has refused to terminate the loan. 

HomeBridge demanded an appraisal of the property, which I consented to, and an appraisal was conducted on XX/XX/XXXX. 

I have made numerous, almost daily, requests for a copy of the appraisal, and have always been told by several individuals at HomeBridge that they do n't have a copy of the appraisal and have never received a copy of the appraisal. I contacted the company that conducted the appraisal and they related the following : the appraisal was tendered to HomeBridge on XX/XX/XXXX ;  on XX/XX/XXXX, HomeBridge requested modifications to the appraisal ; on XX/XX/XXXX, a modified appraisal was tendered to HomeBridge. The appraisal company had also sent copies of the appraisal to a company called XXXX XXXX on XX/XX/XXXX. Representatives of XXXX XXXX informed me that they too sent a copy of the appriasal to HomeBridge on XX/XX/XXXX. The last time I contacted HomeBridge demanding a copy of the appraisal was XX/XX/XXXX. The HomeBridge representative at that time told me that HomeBridge never received a copy of the appraisal. 

I have requested the termination of my renovation loan, HomeBridge refuses. 
I have requested a copy of the original appraisal conducted on my property, HomeBridge has actively misrepresented to me that they never received an appraisal when in fact they received several copies of the appriasal and requested modifications to same ; I have requested a copy of the modified appraisal conducted on my property, again HomeBridge consistently states they never received a copy ; HomeBridge fails and refuses to respond to requests for information ; HomeBridge fails and refuses to produce information regarding my loan ; HomeBridge representatives have consistently given me divergent and conflicting information regarding my loan and the process for the termination of my loan. 

For more than one month I have been attempting to work this out with the company. Again, the company, rather than addressing the issue, either ignores me or lies to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
on XXXX-17 began sending Ad Astra Recovery Services multiple documents to show proof that I had any debt owed. Even though they did reply with documents, the documents were rejected because they did not show that i made a contract direct with Ad Astra Recovery Services. They are a third party interloper. On XXXX-2017, one day after they confirmed receipt of the estoppel with fees, they replied back trying to collect money and did not pay the {$100.00} dollar fee as listed in the estoppel. When they did that, they violated the estoppel. I replied with a bill in the amount of XXXX due no later then XXXX-2017 in which they have ignored and have not paid. There are also late fee charges of {$1000.00} per day and as of today the total is {$12000.00}. I think they did this on purpose and i consider this abuse. They have failed to pay and still has me listed on the credit bureau. This company is neglecting my common law rights and is flirting with being a abusive company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo issued me a {$100.00} XXXX gift card about a year ago. Went to use the card recently and there was no balance on the card. I have called Wells Fargo multiple times to resolve this matter to no avail.

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 2017-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
TCF bank has failed to honor their {$250.00} bonus for meeting their requirements. 
Based on a promotional flyer I opened a TCF " Free Checking '' account on XXXX XXXX 2017. 
The promotional code of XXXX was inputted by the customer support agent. 
The requirement to direct deposit {$500.00} was met on XX/XX/XXXX, within the 60 day window permitted to meet the {$250.00} bonus requirement. 
On XX/XX/XXXX I called the TCF customer support number, XXXX to inquire why I did n't receive the bonus since the requirements were met. At first the customer support agent did n't want to honor the bonus, but then he said he would, and that it would post on XX/XX/XXXX. The bonus never posted on XX/XX/XXXX. I called up the Customer Support again on XX/XX/XXXX and this time the agent said they would do research, and get back to me in a few days with whether or not they will bother to honor the marketing promotion bonus.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-27 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. This company has consistently changed the bankruptcy file date when ever they submit an update to the credit reporting agencies. Attached is the most recent example today where they changed it from XX/XX/XXXX to XX/XX/XXXX. This continued action by them is negatively impacting my credit score. I have tried to resolve this with them but only receive critical letters and responses that they are reporting it correctly - making me to be the one being frivolous here when I am not. The credit reporting agencies say its the creditor and the creditor says its the credit reporting agency.

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 2017-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
American Express is in violation of 15 U.S.C 1693 ( f ) as well as FDIC 6000 - Consumer Protection ; TITLE VI - ELECTRONIC FUND TRANSFER 908 Error Resolution based on the facts of American Express 's failure to ; conduct a good faith investigation of alleged error and mail the results of said investigation within ten business days of XX/XX/XXXX, American Express did not provide a provisional recredit of my account in lieu of those requirements within ten business days of XX/XX/XXXX, American Express failed to mail any explanation of findings within 3 business days of the good faith investigation that should 've taken place within the first 10 business days of XX/XX/XXXX ( this did not take place ), American Express failed to mail any of the documents that were used to conclude that an error did not occur on my account, American Express concluded that my account was not in error when no such conclusion could not reasonably been drawn from the evidence available to your company at the time of its investigation, American Express failed to provide the verified, certified and complete transaction history that was requested, American Express did not have a reasonable basis for believing that my account was not in error. These are all direct violations of 15 U.S.C 1693 ( f ) as well as FDIC 6000 - Consumer Protection ; TITLE VI - ELECTRONIC FUND TRANSFER 908 Error Resolution. How this all took place is I submitted two payments to them in the amount of {$3200.00} one on XX/XX/XXXX and XX/XX/XXXX, American Express stated they did n't receive the funds. I requested an audit of transaction history and investigation as to where my funds went. They have failed to even attempt to reach me or comply with the stated statute. I stated in the request for the investigation and audit that failure to comply treble damages would apply. When they failed to make any good faith efforts in complying with the statute I sent a demand letter requesting the damages in the amount of {$19000.00} in which they still have failed to even reach out or try to settle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2017 XXXX XXXX XXXX checked my credit without my consent. I did not give them my social security number. Credit inquiry appears on my credit report and it needs to be removed. 
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 2017-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I have a personal loan with Tower Loan in XXXX, Alabama. Due to hardship from reduced hours at work, I hired XXXX XXXX XXXX XXXX to help me consolidate and settle my debts. I was advised by XXXX XXXX, not to accept debtor phone calls because they will deal directly with the creditors. 

Tower Loan has called my number as well as my job, my family members and my friends leaving threatening messages to reach me. Several of the people they have contacted have asked to be removed. 

Today, XXXX XXXX,2017, I contacted Tower Loan, against the better advise XXXX XXXX, to tell them that I was utilizing a debt consolidation company to help me settle with them. I was advised that Tower Loan will not work with credit consolidation companies and I had no choice but to renegotiate my contract with them and resume monthly payments. 

I reported this advise to XXXX XXXX and they advised me to submit a complaint with the Federal Trade Commission for harassment.

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 2017-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I have had a loan with XXXX XXXX - Navient since XX/XX/XXXX. There were times in there was in a low paying job I was never offered income based repayment they just kept stacking up charges on me. 

I looked on XX/XX/XXXX I have already paid over half the principal on one of the accouts, but still owe more than half of the principle on that account do n't understand why still owe more than half when I have already paid more than half. I have had this account for over 13 years now and was told to get forgiveness. I would have to take out another loan and stay over again and pay for 10 more years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX I received my payoff package in the mail. I immediately XXXX the required amount to them which was marked received on XX/XX/XXXX. The amount enclosed was the exact amount requested on the paperwork for a payoff through XX/XX/XXXX. On XX/XX/XXXX I logged into my account and noted that the lease was still active, a late charge had been added and the payoff was marked as short. I called, spoke to a supervisor and was told that some work would be require to reverse the issue and I would get a call by XX/XX/XXXX. It is now the XX/XX/XXXX and this is still not resolved. I never received a call, email or other update at all on any of this. They will not give out supervisor information, and everytime I call " none are available '' This is bar none, the worse work I can imagine. I have done nothing wrong and yet even a month later they ca n't resolve this. I am now worried that this inept company will report me as late for a lease that I have paid off and I still do n't have my title.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-27 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:
please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have experian remove these negative marks remove as well, the other XXXX bureaus have already removed except experian, i have tries to upload these letters to experian but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from experian 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 2017-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was previously working on this file. We have a new file but they are saying that I am not authorized. Please see the attached documents.

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 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I checked my XXXX credit report and noticed there was 46 hard inquiries. I did contact XXXX and they advised me to reach out to the creditors for a letter of deletions. None of the inquiries did I authorize. I called several of the creditors and they explained that they get most of the information and authorization off line and my name, social security number and date of birth were used. So they did not grant any deletion letters. I wrote a few creditors and have yet to receive a response. I again contacted XXXX to open and do a through investigation because I believe some of my personal information was compromised. They are still refusing to do so and these 46 inquiries have really impacted my score. After speaking with 3 supervisors XXXX XXXX, XXXX. and XXXX my concerns have yet to be addressed. I feel as a consumer I should not have to go through all these loopholes when there has been so many breaches and so much compromising of personal information. I have add since added a fraud alert to my accounts and I also so monitoring of my accounts. XXXX need to come up with a consumer sufficient process when people have concerns about their report. I am truly dissatisfied with the lack of empathy that XXXX offer to their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I checked my XXXX credit report and noticed there was XXXX hard inquiries. I did contact XXXX and they advised me to reach out to the creditors for a letter of deletions. None of the inquiries did I authorize. I called several of the creditors and they explained that they get most of the information and authorization off line and my name, social security number and date of birth were used. So they did not grant any deletion letters. I wrote a few creditors and have yet to receive a response. I again contacted XXXX to open and do a through investigation because I believe some of my personal information was compromised. They are still refusing to do so and these XXXX inquiries have really impacted my score. After speaking with 3 supervisors XXXX XXXX, XXXX. and XXXX my concerns have yet to be addressed. I feel as a consumer I should not have to go through all these loopholes when there has been so many breaches and so much compromising of personal information. I have add since added a fraud alert to my accounts and I also so monitoring of my accounts. XXXX need to come up with a consumer sufficient process when people have concerns about their report. I am truly dissatisfied with the lack of empathy that XXXX offer to their consumers.

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 2017-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX I received an email from XXXX XXXX stating that had a XXXX balance XXXX XXXX the morning of the XXXX by XXXX on the same day they sent me a overdraft fee of XXXX. This is not the 1st time XXXX XXXX had done this. I have spoken to several customer service agents about XXXX XXXX not giving customers enough time to deposit the funds. It seem to be that immediately after your account becomes overdraft they charge you a fee. The few agents I talk to told me two different stories. One was that they give you 24 hours to clear your balance and the other said you have until XXXXXXXX XXXX that day. So far they do not allow the customer enough time to deposit the money and this is unfair to the customer

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 2017-09-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have XXXX remove these negative marks remove as well, the other XXXX bureaus have already removed except XXXX, i have tries to upload these letters to experian but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from XXXX 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 2017-09-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have XXXX remove these negative marks remove as well, the other XXXX bureaus have already removed except experian, i have tries to upload these letters to XXXX but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from XXXX 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 2017-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I went online to get my free credit report from TransUnion. They charged me {$19.00} and wanted to bill me for this each month. 
I just wanted my free annual credit report. Now I ca n't get ahold of them to stop this. Do n't want this at all.

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