vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
This complaint involves AmeriHome Mortgage. They service my VA loan. Since the last week of XXXX this company insists I have no Home owners insurance. My insurance agent and myself have supplied them proof of insurance on three separate occasions over the intervening 6 weeks. Today I received another letter from them stating they have documented the renewal of my policy and dispersed the funds. They however still claim that their was a three month lapse in coverage and they will purchase coverage for that and have started a debt collection proceeding. They have received copies of the coverage that was valid during the contested period. I even tried to upload the document again upon receipt of todays letter however their own site states that the document is already on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Kohls is reporting a closed/collection account as an installment account. This account has been sold to two different collection agencies but is still reporting under Kohls. Keep in mind this is damaging my credit score each month. Kohl 's has yet to send me valid proof showing that this account belongs to me ; billing statements are not considered validation as they do not bear my signature. I am requesting for this account to be removed from all 3 credit bureaus. Moreover, I have already given you the 30 days required by law, you will now have 15 days to correct the information being reported on my credit report and to send me a response or I will file suit. if you continue to act in bad faith I will proceed with a small claims lawsuit against Kohls for 1 : ) Negligent Reporting, 2 : ) Violation of the Fair Debt Collection Practices Act, 3 : ) Violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: MD

Complaint narrative:
the company said I ordered clothes from them, I am XXXX years old and these clothes are women 's clothes, I did not order anything from these people. I do not ware woman 's clothes. I have contacted them many times, but they say I owe them {$230.00} on one account that is country door from XX/XX/2015. and another account called XXXX for {$250.00} from XX/XX/2015 .I asked them to prove I signed anything or signed anything .they cant or do not send me anything. both of these company 's share the same address of XXXX XXXX. XXXX XXXX, WI, XXXX thank you in advance for helping me. I have never received any thing from these company 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On or about XX/XX/2019 I purchased a XXXX prepaid phone airtime Ecard from XXXX. 
Once the Ecard arrived in my inbox I tried to use the included pin number to install the airtime on my XXXX. I noticed the pin number was rejected when I tried to use it. 

I then contacted XXXX to see if I could resolve the problem and was told that although the pin number was good, the airtime card was not made for my type of phone. 

I then contacted XXXX stores and explained my predicament to them and asked for a refund. Upon my inquiry, I was told that XXXX stores does not offer refunds for phone airtime cards. Matter of fact, if XXXX  would have been willing to offer me a credit to spend at any of their stores, that would have been fine with me. But no, that was it, case closed! 

Anyhow I then decided that since I had made the purchase with the XXXX XXXX XXXX card that connects to my checking account that I would take the matter up with my bank ( XXXX XXXX ) and contest the charge ( see documentation ) Yesterday, XX/XX/XXXX, I decided to pay my XXXX XXXX Credit Card balance and noticed the transaction I had made with the debit card had now migrated to the XXXX Credit Card ( see documentation ) Matter of fact, if you call up XXXX and inquire if the Ecard pin number has ever been used, they will corroborate that it never has been used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My siblings and I are beneficiaries to a unitrust with Wells Fargo as the trustee. After 10 years of receiving the annual distribution each XXXX, Wells Fargo changed the month that we are to receive our annual distributions. They changed it from XXXX to 11  months later in XXXX. The only reason they gave us was that they said they had been giving it to us erroneously and when asked for proof of why they came to that decision they wouldn't disclose why due to citing " ... internal policy and procedure on unitrusts '' and " ... our privacy policy. '' We want it restored back to the original distribution, the XXXX immediately after the XX/XX/XXXX reporting period.

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 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found inaccurate and outdated information on my Equifax report. I submitted a dispute. Multiple issues have resulted : 1. Equifax sent me an email saying that my dispute was resolved, with Confirmation Number XXXX, and a web link to see the results. The link did not work, so I could not see the results online. I tried repeatedly. Why doesn't their link work? 
2. I called Equifax to get the results of the dispute, and they connected me to their offshore call center. They asked me 20 questions to confirm my identity, even though I explained the situation and provided Confirmation Number XXXX. Finally they asked me two irrelevant questions : What is the minimum balance payment on my credit cards, and what date did I submit my Fraud Alert. I always pay my credit card balances in full, and have no idea what the minimum monthly payment is. Who cares what it is, as long as I pay it in full every month, which they can see on my credit report. I did submit a Fraud Alert, but I do not remember the date submitted. Who cares when I submitted the Fraud Alert, I did confirm that I submitted it but could not remember the date. So, because I could not answer these two irrelevant questions, they wanted to hang up on me. How about that? 
3. I asked to speak to a supervisor. I discussed the two issues that were on my dispute submission. One issue is that they are reporting credit accounts that were closed ( in good standing ) more than 20 years ago. I recall that one was closed in XXXX, but there were many more old accounts, all closed in good standing, that are still being reported. The supervisor could not correct this situation. Why Not??? The second issue is that their records show that I have a " XXXX '' suffix after my surname. This is totally false. I am the one and only, not the XXXX. Supervisor told me to send them a letter by US Mail with corrections. I asked them to provide me with a form to fill out so that I wouldn't inadvertently provide insufficient information on this issue. Supervisor said that no form was available, just mail a letter. Why don't they have a form to submit corrections? This seems very unprofessional to me. What do you think?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: OR

Complaint narrative:
I have been making payments on my loan with Lendmark Financial 's XXXX office for several years. I have been repeatedly 10-15 days late making my monthly payment. When I moved to Oregon I updated my contact information with them. And in hindsight it was foolish to have provided my work # given I am not allowed to receive personal calls at work. 
Despite mutiple requests and demands from me since, as well as my manager talking to their agent and telling them I am not allowed to receive calls at work, and my demand to their office manager XXXX that they stop and remove my office # completely from their system, which she assured me had been done, I have received dozens of calls to my work, each and every time I get the call I tell them I can't talk at work and later speak with them via my cell. I thought it had finally been resolved and hadn't gotten any more calls to work for a few months, until recently. 

I have received 5 vm msgs at my work since XX/XX/2019. I sent an email again demanding they stop calling my work and they called me at work AGAIN claiming my cell # wasn't working. They had inexplicably called a cell # I haven't had since I moved to Oregon and they had called me on my cell as recently as XX/XX/2019. Even if my cell was disconnected they do not have the right to call me at work and they know this and do it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX a dispute was submitted for XXXX  and this account has exceeded the allowed time limit for credit reporting. What is so frustrating is Experian states on their credit report that it should be deleted on XX/XX/XXXX ; however, they refuse to delete this outdated account information. Outdated credit information is a violation of FCRA and I demand this account be deleted from my credit report.

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 2019-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax FICO score was lowered 12 points even though they say it is based on data they last collected in XX/XX/2018. Equifax claims I have a high credit utilization rate, however an audit conducted by XXXX says that rate is 27 % which is below what they consider high ( over 30 % ) Since XX/XX/2018 they have not checked on this but they refuse to update their data instead lowered my FICO score based on this outdated data. They refuse changing the record nor investigating my complaint and this will increase the interest rate I can get from lenders. The representative I talked to in the phone said that they dont investigate themselves. Can you investigate them?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have a collection from Portfolio Recovery XXXX. I requested verification from them and all I got was a printout from the company along with statments from the bank. I requested proof that this debt is mine and that the amount is correct. I don't think printing statements is sufficient proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX I placed an order on line with my credit card and was over charged so I immediately cancelled the order. I canceled the order on line, with the bank and in a chat with the company. They sent the order any and I did not accept it. They picked it up where they dropped it off 5 days later. They billed me and then credited the account for {$160.00}. I have not used the card. I was later charged a late fee of {$15.00} and {$2.00} interest on a zero balance. When I called it was doubled to {$34.00} and I could not get a response or customer service for two days. I called the third day an the bill is now {$49.00}. I am being charged late fees and interest on an account with a zero balance. An account that I have not used since XXXX. An account that I no longer use. I tried calling Citi Bank and XXXX XXXX. Each time I call they request my social security number and demand payment for a bill that I do not owe. In addition I am being charged interest on a late payment for a credit., A credit ... ..The order was canceled minutes after it was placed and the order was finally credited a month later and this company is trying to collect money on a late fee. I have documentation that I have made repeated calls both to the Citi Bank and XXXX XXXX. No results each month they add another late charge ... ..This account had a zero balance. I have a documented chat as well as dates and names of the people I spoke with at the bank. XXXX XXXX XXXX fraudulently processed a canceled order, billed me for it, gave me a credit for the full amount they delivered and then picked up and charged me late fees and interest on their fraudulent attempts to collect money. How incredibly dishonest.

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 2019-05-12 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: AES/PHEAA
State: NJ

Complaint narrative:
This is a continuation of the complaint i have already made through the CFPB - case number XXXX I contacted XXXX from Fedloan XXXX as she was assigned to my case after submitting a formal complaint to the US department of education. She is in charge of obtaining my promissory note and reviewing my interest rates as I have received previous documentation stating my interest rate was higher then the fixed amount. I sent her an email requesting to have a discussion regarding my repayment terms now that they have been changed to 120 months- to find out what my payments would be, how much my loan amount would be reduced etc. 
She called me on XX/XX/XXXX I informed her of the response I received from the CFPB regarding change in payment terms. She stated that typically the 120 months would start in XX/XX/XXXX, stating that my previous XXXX years of payments under the standard repayment plan ( I have paid several hundred dollars more then the actual amount in an attempt to pay it off faster ) would not go towards the 120 months. I questioned her on this because this was FRAUDULENT behavior on the part of Fedloan. My terms from the beginning should have been 120 months ( per US department of education guidelines which they state they follow ). 
Now that I caught them and made the formal complaint I CAN NOW RECEIVE THE CORRECT TERMS??? If that is the case FEDLOAN is continuing to DEFRAUD ME. She then informed me that my loan accrues {$15.00} in interest per day, approximately {$480.00} a month- approximately {$5700.00} a year. THIS IS COMPLETELY INCORRECT. My XXXX XXXX states my student loan interest received by lender is {$10000.00} over the past year. If FEDLOAN doesn't credit me for the months I have paid ( started paying my loan XX/XX/XXXX under the standard repayment plan ) which is XXXX years of payments they are now defrauding me of approximately {$27000.00} or MORE. 

Yesterday- XX/XX/XXXX I received my new repayment terms and they were 120 months starting XX/XX/XXXX. I refuse to allow Fedloan to continue to act in corrupt ways and take advantage of me which is why I decided to submit another formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12 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: V and H Portfolio
State: MD

Complaint narrative:
Vance and Huffman I have never dealt with this company and have not had any lease accounts in my name. I have been in a totally different state. The information came from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
SYNCB/CARE CREDIT Date Opened XX/XX/XXXX Updated XX/XX/XXXX Account # XXXX The account was sent to a collection agency and the collection agency was paid in full. My credit report does not reflect that the account was Paid.

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 2019-05-12 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: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XXXX and XXXX I have never dealt with this company and have not had any lease accounts in my name. I have been in a totally different state. The information came from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have no idea. I just do not have any business with these people. This debt collection just appeared on my credit report a few days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: ME

Complaint narrative:
I have been in contact with the company called XXXX XXXX to resolve an issue that I experienced with their online payment system. In the previous times I have spoke to them they have tried to say that I was asking for a good faith adjustment to disregard my request. This is not about a good faith adjustment but rather the issue I experienced with their auto pay online system that caused for me to have a delinquent account. I was not notified about the delinquent account either which is not very good business on their end. They let a loyal and good paying customer go delinquent on an account that they were on time with every month on auto pay and didnt think to call when there was an issue. When I signed back in to their online system to add my new bank account and set it up on auto pay for the remainder ( Just a few months ) of the installment. The system made a mistake and only made a single payment instead of submitting my auto pay request to the company. Im not sure why or how this happened. But explained to the company that Ive never missed any other payments in my entire history and it is evident that all my payments are all on auto pay. The reason I mention this is to giv them a clear understanding of what kind of consumer I am. Everything I do is on auto pay. The only reason I even found this delinquency was bevause I signed in to my account to get tax info when I was preparing my taxes for XX/XX/XXXX in XX/XX/XXXX. I found that they were saying it was passed due and delinquent and instantly paid it. I was not notified that it was reported to the credit bureau until months later when I applied for another mortgage and my lender asked me what happened to my credit. In the long run this mistake by campus partners is going to cost me tens of thousands of dollars and I will be taking further action legally if this does not get resolved. I buy houses for a living and their costly mistake with their system not setting me up on auto pay like I requested ... them not notifying me of a missed payment ... and not notifying me of a bill getting reported to the credit bureau is unacceptable. The online system did not function properly for auto pay and has caused this to happen which I have explained to the company on multiple occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 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: Colony Brands, Inc.
State: TX

Complaint narrative:
My grandmother got a letter in the mail stating I had tried to purchase a credit card for some company and called me immediately to ask me about this. My grandmother lives in XXXX, XXXX  and I live in XXXX, XXXX. I haven't lived in XXXX, XXXX for years. My grandmother then tells me that my Aunt has gotten a hold of my social security number from old school records my mom left behind, and has applied for a credit card in my name. I reported this online for fraud and never heard anything back. I'm young so I'm not 100 % sure how to go about this, and I work a lot so I haven't been able to get to a police station to file fraud on her. My wife and I are looking to buy a house soon, and need to correct these mistakes as soon as possible please. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
ge capital is in violation of the Fcra THEY ARE TRYING TO COLLECT ON A DEBT THAT IS NOT OWNED.

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