vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I have received invitation from American Express to transfer {$4000.00} with promotional 0 % APR for 6 month. I decided to except this offer. On XXXX/XXXX/19 I talked to representative regarding this. He helped me to calculate exact amount I can transfer to my XXXX XXXX XXXX credit card. ( {$3800.00} ) to avoid go over {$4000.00} as AmEx offered. My XXXX XXXX XXXX  due date is XX/XX/19 so I called to transfer funds 10 days in advance to avoid interest fees on my XXXX XXXX XXXX credit card. Representative from American Express said that transfer went ok. BUT on XX/XX/19 I called my XXXX XXXX XXXX card and found that transfer was not completed. THAN I CALLED AMERICAN EXPRESS AND ANOTHER REPRESENTATIVE TOLD ME THAT THIS AMOUNT {$3800.00} CAN NOT BE TRANSFERRED, BUT ONLY {$3000.00}. THEY DID NOT NOTIFY ME ABOUT THIS POLICY AT FIRST CALL, NOT ON NEXT DAY, NOT BY MAIL. THEY DID NOT DO TRANSFER. They did not transfer {$3000.00} at least. They did nothing. AS RESULT of such American Express bad service I ACCUMULATED INTEREST CHARGES ON MY XXXX XXXX XXXX CREDIT CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: FL

Complaint narrative:
At this time we, XXXX and XXXX XXXX are looking at filing a Chapter XXXX bankruptcy petition. We are receiving too many calls at our home and on our cell phones from the collection departments of the credit card divisions of many banks, and we need all communications to cease immediately. We have retained a law firm to handle our affairs, and we want all future credit card statements to be forwarded to the following entity : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Washington, DC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I have never received any notice until all of a sudden my credit monitoring company notified me of an account reported in collections. I filed a dispute with XXXX on XX/XX/ and onXX/XX/XXXX XXXX   notified me that the creditor had already replied that the debt was valid. It is not valid for several reasons, for one the debt is purportedly close to 10 years old ; secondly, I was a victim of identity theft with payday loans during the years XXXX, and thirdly, the original amount in dispute was {$300.00} and.now {$2300.00} is purportedly owed. Midwest Recovery Systems is the new creditor trying to collect an old debt and is in violation of various Federal laws governing debt collection and debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm filing another formal complaint in regards to a late payment negative account on my credit report for a vehicle loan payment opened in XXXX of XXXX, for {$25000.00}. I submitted a dispute with the company on XX/XX/XXXX. The entity never reported on my behalf to the credit bureaus to add a sentence saying " I disputed the negative item in question. '' I gave a 30-day window, and now its been almost 2 years. I believe this is a violation of the FDCPA section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ). I've tried reaching the company by phone and mail. On multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These payments were not late and must have been an error. The company is also reporting on an old address. I have recently sent letters to remove this address from my entire 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 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm filing another formal complaint in regards to a late payment negative account on my credit report for a vehicle loan payment opened in XXXX of XXXX, for {$25000.00}. I submitted a dispute with the company on XX/XX/XXXX. The entity never reported on my behalf to the credit bureaus to add a sentence saying " I disputed the negative item in question. '' I gave a 30-day window, and now its been almost 2 years. I believe this is a violation of the FDCPA section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ). I've tried reaching the company by phone and mail. On multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These payments were not late and must have been an error. The company is also reporting on an old address. I have recently sent letters to remove this address from my entire credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm filing another formal complaint in regards to a late payment negative account on my credit report for a vehicle loan payment opened in XX/XX/XXXX, for {$25000.00}. I submitted a dispute with the company on XX/XX/XXXX. The entity never reported on my behalf to the credit bureaus to add a sentence saying " I disputed the negative item in question. '' I gave a 30-day window, and now its been almost 2 years. I believe this is a violation of the FDCPA section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ). I've tried reaching the company by phone and mail. On multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These payments were not late and must have been an error. The company is also reporting on an old address. I have recently sent letters to remove this address from my entire 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 2019-02-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed this account, filed a police report, and also submitted a FTC complaint. 
Upon reviewing my credit report in XX/XX/XXXX I noticed six separate fraudulent accounts ranging from credits cards to loans. I have been successful in removing some items but I continue to see an item show even after my repair attempts. Account in question : XXXX XXXX XXXX XXXX Account # : XXXX, opened on XX/XX/XXXX, with a credit limit of {$15000.00}. The account showed closed XX/XX/XXXX with a high balance of {$15000.00}. I have not nor have I ever gave anyone permission to use my information to open any lines off credit, credit cards, or open any loans.

I also seen 3 inquiries that I have not authorized on my Experian report. 
1. XXXX XXXX XXXX  date : XX/XX/XXXX 2. XXXX XXXX Consolidated date : XX/XX/XXXX 3. XXXX XXXX date : XX/XX/XXXX I have not applied for credit with any of these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX thank you for the alleged mail BUT still you fail to answer the questions I request full disclosure of documents that I have request failure violates any alleged debt that you claim. Also you violated my HIPPA and privacy rights I request the again { 6 } times information enclosed, Now I will need your CEO name and contact information your stock holders names and contact information, Your tax Identification number, your business license, also your name and contact to be used for civil action if needed. Fax alleged hospital, XXXX XXXX XXXX for documents of alleged account they did not respond to fax in your response to the CFPB your alleged billing { NOt Contract states XXXX owed today you mail another statement stating {$1500.00} WHAT you pull this alleged debt that you refuse to disclose out of the air. My charges are now {$2500.00} due and payable now for the time I have to put in to get any type of legal contracts or anything with a signature from you No contract Remove your claims from my credit report, I will also file now with the Texas medical board on my Hippa and Privacy rights you aLSO FAIL TO GIVE THE COMPLETE NAME OF XXXX, XXXX XXXX  { or associates } for the medical board complaint.The fair Debt collection practices act USC 1692 you know the one you stated earlier but fail to finish USC1692g { b } I request your office to provideme with competent evidence  CONTRACTS, Above information as requested.that I have a legal obligation to pay. This is not a fusal but requesting the exact information requested

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 2019-02-26 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: FL

Complaint narrative:
I had my temporary card from american express serve and used a few times before it just kept getting declined, I called customer service explained that my card seemed to be no good because it was not working she then told me my balance and it was XXXX dollars less than it should have been, at that time I explained that o haven't been able to even use my card and that those charges where not correct. She then told me activate new card and money would just reappear basically, and I knew at that point she either did not understand what I was saying or was wrong. I called again got transferred to fraud and was told same thing activate new card not addressing the XXXX missing and then hanging up. I've sent emails to every american express email I could find and from what it seem they want nothing to do with recovering my money. The transactions are listed below. XX/XX/2019 ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - {$600.00} XX/XX/2019 ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - {$1000.00} XX/XX/2019 ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XX/XX/2019 ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - $ XXXX - {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: CA

Complaint narrative:
XXXX XXXX ( XXXX XXXX ) is in contractual violation of the lease to an apartment I rented from them from XXXX. They falsified inspection documents after I moved out and then continued to claim that I owed them more money, each time I would pay what they asked for. I finally told them enough was enough, at which point - they sold off the " claimed '' debt to a collection agency.. this is my last resort at getting this resolved before I take them to court. I've attached documents for reference. There is much more documentation, going back over two years. I refuse to continued to be bullied by this company - enough is enough!

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 2019-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
The problem I am having, is I pay every month but my balance and monthly payments aren't going down. These are student private loans, and because of their % rates & late fees, i'm not going to get these paid off. There should be better practices with these high interest rates and late fees, especially when you are making my monthly payments. 
Here is an example of the interest rates, late fees, and the monthly payments I've made in the last two years. Navient has too many hidden rates and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I opened an account at Suntrust Bank 3 weeks ago. After receiving my payroll check, I deposited it into my axcount. The bank CLEARED the check ( meaning they have they collected the money ) and then closed my account and is refusing to release the funds to me. No reason given. No explanation. Response from bank has been cold, dismissive apathy. They say they have the right to do this! Meanwhile, my utilities were shut off, bills unpaid, I can't buy food, gas or get to work. I have a XXXX son. Please somebody help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 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: National Credit Adjusters, LLC
State: MI

Complaint narrative:
National Credit Adjusters has appeared on all three of my credit reports as a collection. I have never heard of these people, do not know who they are, have never taken a loan out with them and my credit score has dropped 20 points because of their actions. Please remove them from all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
The below details a series of issues with Shellpoint Mortgage Servicing, stemming from an incorrect tax payment made by Shellpoint Mortgage on my behalf. A timeline of incidents as follows : XX/XX/XXXX The building we moved in to was completed and Certification of Occupancy was granted by the city of XXXX. 
XX/XX/XXXX - We closed on our condo in that building. 
XX/XX/XXXX - XXXX XXXX transferred our mortgage to Shellpoint Mortgage Servicing XX/XX/XXXX - Shellpoint Mortgage incorrectly paid the XXXX XXXX taxes for the original two parcels that our building stands upon for {$19000.00}. Because the building just received its certification of occupancy in XXXX of XXXX, each unit had not been assigned its own Parcel at that point. There at 34 units in the building. Shellpoint mortgage paid the taxes for all 34 units. 
XX/XX/XXXX - We became aware of the tax issue and informed Shellpoint by telephone. We were informed that a resolution ticket was opened with the Shellpoint Mortgage tax department. 
XX/XX/XXXX through XX/XX/XXXX - I've called roughly 50 different times to get an update on the status of resolution, but nothing has materialized. 
XX/XX/XXXX - We received notice that our monthly payment would be increased by {$2400.00} to pay down our incorrectly applied - $ XXXX escrow balance. We called Shellpoint immediately to inform them of the mistake. We were told that another escalated ticket was opened internally to handle the mistake. We stopped auto payment until the issue was resolved. 
XX/XX/XXXX ( cont. ) - We received notice that Shellpoint will be transferring our loan to XXXX XXXX XXXX XXXX XXXX  effective XX/XX/XXXX. 

Our primary concern is that with the hand off to the new lender, this issue will not be resolved appropriately, especially if the new lender doesnt have the detailed history of this issue and our correspondence. Ive been assured dozens of times over the last year that this issue will be resolved, but it has not. In addition Ive spent dozens of hours on the phone trying to resolve mistakes made by Shellpoint Mortgage.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I received a statement in the mail today, XX/XX/19 from Convergent Outsourcing , Inc. stating that XXXX placed my account with their office for collection. The statement states I owe XXXX {$88.00}. I checked my XXXX account balance and it is XXXX. I contacted XXXX and they stated they did not submit my account to a collection agency and reaffirmed that my balance is XXXX. I did not contact Convergent Outsourcing as I think this is a scam. It says on the back of the statement that I need to notify them within 30 days of receiving this notice in order to dispute the validity of the debt. I'm not sure if I should do that because I think it is a scam. 
I checked the XXXX XXXX XXXX site and they have had numerous complaints about this company.

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 2019-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
3 different loans. Two of them are capital one credit cards and the other is a student loan. 

Capital One Bank Usa Na 5 missed payments XXXX : XXXX, XXXX, XXXX, and XX/XX/XXXX : XXXX Capital One Bank Usa Na 4 missed payments XXXX : XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX 3 missed payments XXXX : XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I originally had a collection with XXXX wireless for data charges I did not agree with. They sent me to collection. Each time we agree on an offer, the collection company sells the debt to another one. I am now on the fifth collection company. I am unable to settle this debt. The latest company was sent a certified letter to only contact me in writing, never by phone. The continuously contact me by phone. They refuse to contact or respond to my correspondent. Instead they threaten to sue me.

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 2019-02-26 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: FL

Complaint narrative:
On XX/XX/2018 I sent debt validation to XXXX XXXX, they did not respond. alleged amount {$380.00}. 
On XX/XX/2018 I sent a dispute letter to the Credit Bureaus, EQUIFAX, XXXX, and XXXX, and they did not respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  used my SSN and tied it to my deceased dads card account .. He died in XX/XX/XXXX and now in XX/XX/XXXX it shows up on my credit Experian. His debt was cleared when my mom filed bankruptcy in XXXX. Its not about them wanting money but someone tied my SSN to that account

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