vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
They are reporting that I have an account in witch I do not. I have asked several times to have it removed but the refuse to do so.

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 2018-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SUNTRUST BANKS, INC.
State: ID

Complaint narrative:
Auto loan established with Suntrust bank. Made overpayment in XX/XX/XXXX of {$680.00} to be up-to-date on car payments. Advised per supervisor that remaing balance was approx. {$8000.00}. Car was repossed without knowledge XX/XX/XXXX. Vehicle was parked outfront of apartment building. Tow truck did not attempt to establish contact before taking vechile. Car was repossed by Suntrust Bank. XXXX XXXX ssi was purchased & auto loan established with Suntrust Bank back in XX/XX/XXXX. Made car payments up to XX/XX/XXXX to drop loan amount to approx {$8000.00}. Car was repossed as payment was 30days late yet contract states 60 days. Balance of {$8900.00} showing up in collections as increase on loan. However, never recevied 30day collection notice for late payment. No opportunity to make payment before vehicle was taken. This is fraud. Actions were taken by Suntrust Bank that are unjustified.

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 2018-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AFNI INC.
State: CA

Complaint narrative:
A woman named XXXX XXXX from an undisclosed company called my personal cell phone from XXXX ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX Pacific Time.  I believed it to be a spam called and so I hung up as I was on a work trip and very busy. I later find out that she called my landlord on the same day and left an incredibly aggressive voicemail for my landlord. The voicemail was forwarded to me - all that XXXX XXXX gave was a phone number ( XXXX ext XXXX ) and demanded that I call her back immediately. She said it is MANDATORY that you call me back. She provided no other information, I have no idea where she works and the call back number is just a voicemail. This is harassment - a debt collection extortion scam attempting to create panic and embarrassment so they can scare people into paying their extortion money. This must stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Signed up for over draft protection through regions agreeing to {$36.00} over draft charge but recently over drawn account and was charged {$100.00}. I contacted Regions about the unfair over draft charge and was told thats how its going to be and it can not be refunded. Im very upset about this and will be closing my account through Regions.

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 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was reported to XXXX over a year ago for a fraudulent activity that took place on a bank of america account that i never had. Which forcefully caused my XXXX XXXX bank account to close when i made an attempt to open an additional account to manage my money better. I have made several attempts on contacting XXXX but the account i requested to be resolved have been bypassed. I am seeking immediate results.

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 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I was reported to ews over a year ago for a fraudulent activity that took place on a XXXX XXXX XXXX account that i never had. Which forcefully caused my XXXX XXXX bank account to close when i made an attempt to open an additional account to manage my money better. I have made several attempts on contacting ews but the account i requested to be resolved have been bypassed. I am seeking immediate results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have my current mortgage with US Bank Home Mortgage. I pay my mortgage payments ahead when I can to give me a " cushion '' for anything unexpected in the upcoming year where I may not be able to make payments for months at a time. I have always done this and specified on each payment I make what month it is for and NOT to apply it to my principal. 

However, US Bank keeps applying my payments to my principal. This is despite very clear written instructions I send with my payment NOT TO APPLY TO PRINCIPAL and that it is for a particular month payment. I write this on the payment stub, I place a written post-it on the stub stating the same plus I send to the office they told me to send it to so that an actual person is opening the envelope and seeing my instructions.Yet, despite all this, they persist in applying it to my principal. 

They are allocating my payments they way they want to without my permission! I have called them and they've corrected it and they reassure me they will place instructions on my account that my payments made early should be applied to the next month 's payment. But this is still not corrected. They persist in allocating my payments inappropriately despite my explicit instructions NOT to apply to principal. This has happened with payments I made with checks dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And that is just this year alone. I have to constantly monitor my account now to see what they're doing and call them each time to get this corrected. I don't know how a bank is permitted to use my payments as they wish against my instructions. Please contact them to rectify. 
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 non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RFNA, LP
State: GA

Complaint narrative:
On XX/XX/XXXX, and again on XX/XX/XXXX, I received a letter from XXXX XXXX branch # XXXX, which is actually located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, but the letter was from XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX that claimed that I owe a debt to XXXX XXXX under account XXXX/XXXX. I do not have the debt they claim, since they tried to sue almost 2 years ago and was settled out of court over a year ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: AL

Complaint narrative:
There are over 22 accounts of derogatory information listed by XXXX XXXX XXXX on my credit report. Nearly half of these accounts are outdated by standards of FCRA. I have requested debt validation on several occasions but I have been ignored. I do not have any debt or agreement for a debt with XXXX XXXX XXXX. They are in violation FCRA/FDCPA. Their foul behavior is ruining my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: AL

Complaint narrative:
I have requested that my credit report be frozen by all three credit bureaus and Experian has been the most uncooperative with these request. I have contacted them by certified mail from XX/XX/XXXX through XX/XX/XXXX with all the necessary information enclosed in the letters. My credit report still was not frozen. Their incompliant behavior has allowed more unauthorized inquiries and illegal information to crowd 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 non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX responded to complaint XXXX, however has failed to show documentation requested. XXXX XXXX admitted my husband was supposed to open 2 accounts but only opened one. What they did is combine monies from my husbands 401K/IRA with a joint account held by both my husband and myself. Now they say the account was not set up. Essentially, they stole my money, over {$81000.00}. I contacted the man on the response letter and he said he didn't write it and would check into it. I have had no further response. This money in the 401k/IRA now is taxable, unless rectified. I have requested the transfer forms from XXXX XXXX that they sent to XXXX XXXX XXXX to transfer the monies from them to XXXX XXXX.I signed for the transfer and account setup with XXXX XXXX. I contacted them after I was refused log in to access account.They said I had no account with them. XXXX XXXX has participated in theft and refused to address the situation at that time. I have not received any response or the information I 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 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
After pulling my XXXX XXXX report, I seen a debt on my report that does not belong to me. The amount owed is {$980.00}. The account was placed into collections on XX/XX/2017. I have a current account with XXXX that is paid for every month and had no knowledge of a second account being open in my name. I have called and explained the situation to many associates to no avail. This debt is not mine and I do not owe this. This false information on my credit is stopping me from being able to purchase a house and car for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Getting harrassing calls from all numbers from this company. When I block one they call from another.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, XXXX, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by Cfsi ( Commonwealth Financial Systems, Inc ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to Cfsi ( Commonwealth Financial Systems, Inc ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, XXXX, XXXX ) without Validation. 
Furthermore, Cfsi ( Commonwealth Financial Systems, Inc ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXX XXXX agreed to " remove all delinquencies reporting from XX/XX/XXXX through XX/XX/XXXX '' and " remove the charge off status. 

This account should be reflected as paid and in good standing. 

Evidence has been attached.

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 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The collection agency is reporting the collection account XXXX  on my credit file this is not my account I sent a dispute letter stating to send me a method of verification on the account on how they with through the process of verified the account and havent received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, my insurance agent sent the invoice for my homeowner 's to my mortgage servicer, AmeriHome. The email was verified with a customer service representative that I called on XX/XX/XXXX. Her name was XXXX. It was not a great call. Due to the non-payment from AmeriHome, I had to start a new application and the premium went up. She stated that AmeriHome would not be paying the difference if it increased. It did increase from {$910.00} to {$950.00} annually. After she refused to escalate to a supervisor twice, she transferred me to the insurance department and provided the number for them. I was only hold for about an hour and suddenly there was a busy tone. I called the number XXXX provided and a recording stated that they were now closed ... Since my home was not insured for this time I felt the urgency to get a hold of someone immediately. I emailed a complaints or compliments email that I found online and made them aware of the situation. I received a response, that they would overnight my payment to the insurance company and that I should be credited. I have yet to see the result of that. It is very concerning as a first time homebuyer that my taxes and insurance be paid on time especially since I am making my mortgage payments on time and even early. This is our first month dealing with them and our first payment was due XX/XX/XXXX and not a very positive way to start a 30 year relationship. I am disappointed non the least and nervous that going forward I will have to constantly check to ensure that my insurance and taxes are paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Our home was impacted by Hurricane Irma, we reached out to our mortgage company Roundpoint for assistance, they provided Foebearance on the account where they deferred XXXX, XXXX and XXXX payments and in XXXX there would be a balance due for the the deferred amount including XXXX payment and if you were not able to pay the full amount they can offer further assistance for a modification review. I was not able to cover 4 months of payments so I contacted Roundpoint to advise would like to apply for the modification, I was able to resume monthly payments starting XXXX and have been making regular monthly payments since then, I was advised by Roundpoint that there was nothing needed for the review and my account would not have a negative impact due to the natural disaster. 
Well its XXXX now and there still no decision, Roundpoint has applied late fees and loan level advance fees for property inspections and has reported late to the credit bureau, I have reached out to Roundpoint regarding the matter they said they will adjust the charges and correct the credit report, as of today no adjustments have been made no correction to the credit bureau. 
My credit has been impacted on one of my credit cards with XXXX went from a credit score XXXX to XXXX where they lowered my credit limit on the card. 
When I call Roundpoint all they can advise me nothing needed its still in process Please I need help to get this issue resolved and the corrections that Roundpoint said they would do but have done nothing.

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 2018-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello, I have a dispute my credit card company refused to resolve, but before I get into it I want to thank you for all you and the CFPB do. You have helped me in a situation once before, and I think your agency is essential for maintaining the balance between consumer protection and good business. On XX/XX/XXXX, I purchased an XXXX screen protector from XXXX  XXXX for {$35.00}. The next day, I attempted to return the item but was refused. XXXX XXXX  claims screen protectors fall under the category of " consumables '', and these products are not eligible for refunds. I was never once told screen protectors are " consumables '' until I chatted with an agent yesterday, nor was I ever told the item was nonreturnable. My argument stands that a lay person would not know a screen protector is a " consumable '' item, as this term generally refers to things you actually consume, like food, etc. ( which Best Buy sells ). So, I took my dispute to the next level and opened a case with my credit card company, American Express, on XX/XX/XXXX. A month goes by ( just long enough for the returns and exchanges window to pass ) and I receive a " resolution '' letter from American Express informing me XXXX  XXXX saw no evidence I attempted to return the item and that they would be reinstating the charge. Obviously, if they refuse a return there would be no " evidence '', as there was no transaction, but they could check their security cameras and see I was in the store and did attempt to return the item. I even have the dated pink sticker they give you when you enter the store with product. There was no attempt made by American Express to gather more evidence from me, like a picture of said sticker, nor was I ever contacted by XXXX XXXX. 

Reading the dispute, American Express and XXXX  XXXX seem to assume the item I attempted to return was damaged. I'm not sure how they could come to this conclusion, especially while maintaining the claim I made no attempt to return. 

The whole incident is disheartening and generally has the feel of big companies trying to take advantage of the consumer. Any help you may provide is welcome. Thank you in advance. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, Equifax, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX  ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, Equifax, XXXX ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Capital Management Services, LP
State: FL

Complaint narrative:
I have sent a letter to Capital Management Services LP to not contact me in any form. They are not allowed to call me on any phone as they have contacted me at my place of employment multiple times. Today they called me from XXXX. They are not allowed to contact me at any number and I already filed a complaint this year.

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