vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I terminated a rental lease for serious medical reasons with the understanding, according to t heir contract ( Article 11 ) that they will work on renting the apartment as soon as possible. I agreed and offered  to pay the months the apartment was not rented but they refused. Instead, they decided on remodeling a property not in need of remodeling and doing so at the expense of the Tenant, which demonstrates the Landlords failure to reasonably mitigate damages and bad faith on the part of the Landlord.     I,  XXXX   XXXX   XXXX  understands the legal relevance of his lease ; however the duty to mitigate damages is in issue here. As indicated above, since the Landlord failed to mitigate damages and failed to place the property on the market. Thus  XXXX   XXXX , should not be liable for any amount alleged by the Landlord due to the Landlords failure to mitigate damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Services Group, Inc. d/b/a ConServe
State: CT

Complaint narrative:
ConServe, a debt collector for  XXXX   XXXX   XXXX  University, has made repeated attempts to contact me, even after stating that I would like to confirm the existence of such a debt with the University before responding to or continuing any communication with the debt collector. The debt collector then repeatedly called my personal and work phone number  (  on  XXXX  and  XXXX , at roughly  XXXX  EST ). I have not been notified of such a debt, or that such a debt was sent to a collections agency by  XXXX    XXXX    XXXX  University either. Additionally, the Debt Collector 's amount did not match the amount of debt conveyed to me by  XXXX    XXXX    XXXX  University  ( it  was significantly higher ) than the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
On behalf of my deceased father,  XXXX   XXXX , a complaint was submitted to CFPB ( case number  XXXX  ) on  XXXX / XXXX /  XXXX   in regards to a leased  XXXX   XXXX  of which I have not doubt he was taken advantage of when he went to  XXXX   XXXX  alone to lease yet another car ( his third at the same dealership ).  XXXX   XXXX  charged him {$1500.00} even though he was yet again leasing another car. My family members have been leasing cars for years with  XXXX ,  XXXX  and  XXXX  and have never had to submit additional monies when leasing.      Honda Financial  finally agreed to take the auto back after CFPB contacted them in regards to my complaint that was submitted on  XXXX / XXXX /  XXXX  . I was faxed the instructions in regards to what needed to be done. On  XXXX , the car was turned in, no questions asked. Finally justice or so we thought. My brother, who lives at the residence that my parents lived, but he was paying the mortgage, was notified when he attempted to get the house in his name, by  XXXX   XXXX   XXXX   XXXX  that there was an outstanding balance owed on the vehicle of {$2900.00}. The vehicle was returned 7 months ago and this is the first anyone is hearing about this. Not to mention  XXXX   XXXX  has a number of same exact vehicles ( different colors ) certified pre-owned vehicles on their lot selling for {$23000.00} with at least 5 times the amount of miles then my father 's car.  XXXX   XXXX  is claiming they sold his car for {$17000.00} which I believe if they did, they did it purposely to say they lost money. Not to mention the depreciation of the vehicle that always works in their favor, never the consumer.     In reviewing the original lease agreement, the following amounts were also paid : {$1500.00} - lease signing {$350.00} - Turn in fee Why was no one notified until 7 months after the vehicle was returned to the dealership that they now claim a balance is owed? They were advised there would be no estate and they agreed to the terms because of his death.     Thank you  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX  deceased  XXXX / XXXX /  XXXX   )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
XXXX / XXXX / 2017   XXXX  from USSA called and left threatening voice-mail that if I did not contact them within  24 hour s to pay a debt they would be deducting my wages. When I called them back they claimed to have been lawyers hired by original creditor to collect a past due debt. Claimed if I paid right now they could settle for less than half the amount owed. When I asked for the original creditor 's phone number so I could verify their information, they gave me a false number. I did get the correct number on my own and they put me in touch with the correct collection agency who let me know the people who were calling me were trying to scam me out of money. They were not hired by original creditors or the collection agency handling my account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Performant Financial Corporation
State: AZ

Complaint narrative:
This collection company "  PERFORMANT '' su bjects me to multiple RoboCalls every week at my place of employment. I work for an   XXXX   XXXX  . On  one occassion  I permitted the RoboCall to connect me with an agent whom I informed they are violating FDCPA rules of how, when, and where bill collectors can contact debtors. That they are contacting me at my place of work, which is a  XXXX , an   XXXX   XXXX   XXXX  , and I also informed their agent my employer does not permit such incoming calls to their employees. And finally, I informed their agent that I had retained an attorney to represent me in Bankruptcy filing and gave her my attorney 's information for all future attempts at contacting me. Unfortunately, the RoboCalls continue every week.

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 2017-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I filed a complaint on  XXXX   XXXX ,   XXXX   against  XXXX   XXXX  see case number  XXXX  This is the same matter from  XXXX   . T hey have been attempting to recover a " debt '' which I do not owe and keep on giving the debt for collection to different debt recovery agencies ; this is the  XXXX  one!   This started  XXXX   XXXX ,  XXXX  when  XXXX   XXXX  attempted to collect a debt for  XXXX . I demanded proof of the alleged debt via certified mail and never received a response. Then in  XXXX  of  XXXX , I receive the same attempt from another agency-  XXXX   XXXX   They dropped the claim and now I received another attempt from Convergent  XXXX . I do not owe  XXXX  anything and they have never produced proof of anything owed to them but keep on giving this alleged debt to different debt collectors.

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 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TCF NATIONAL BANK
State: WI

Complaint narrative:
I am currently unemployed as of  XXXX   XXXX ,  XXXX , and am working very hard to find employment, in fact I have several job interviews lined up for next week. I am a single mother of  XXXX  children,  XXXX  with   XXXX   XXXX   and we live in the lower of my duplex so that I have help with the mortgage payments.     I have my first mortgage wit h TCF Bank as well as a line of credit and 2nd mortgage. I have been working with the loss mitigation team with TCF t o refinance my first mortgage since last  XXXX  as this mortgage had a balloon payment due in  XXXX   XXXX .     I contacted a mortgage broker who put me in touch with a mortgage company,  XXXX   XXXX   XXXX , specifically  XXXX   XXXX .  XXXX   XXXX  has had previous experience dealing with TCF. At this time the automatic payments on my mortgages ceased, please note that previous to this point I NEVER missed a payment on any of the  three  mortgages for the years I had them.  XXXX   XXXX  contacted everyone she could at TCF and found that no one would accept my payments on the mortgages to make them current so that I could qualify for a new mortgage with her company.. I have emails from  XXXX   XXXX  as well as  XXXX   XXXX  at TCF.  XXXX   XXXX  was no longer able to help me at this point because she could never TCF to take my payments to make me current.     As of  XXXX  I began again with working with  TCF Loss Mitigation a nd  XXXX   XXXX . I sent all the information again including proof of payment in full of unpaid property taxes. I didnt hear from them at all until I received a call at the end of  XXXX . They were going to work with me until I told them I had lost my job. Also, at this time is when I was informed that I had never reaffirmed the first mortgage after my bankruptcy in  XXXX . I contacted the law firm that did my bankruptcy,  XXXX   XXXX   XXXX , and they said they never received the reaffirmation paperwork from  TCF. The attorney said that he would contact their attorney but hasnt heard from TCF. Why had t hey been accepting my monthly payments if I had not reaffirmed the original loan.     At this time, the beginning of  XXXX , I contacted  XXXX . I turned in all the paperwork and sent the paperwork to TCF.  XXXX   XXXX  from  TCF  loss mitigation admitted to receiving all the paperwork  XXXX  and I sent to TCF. Now I have received a foreclosure summons dated  XXXX   XXXX ,  XXXX . This is dual tracking. I need to be able to either refinance through  TCF  or be able to find another mortgage company. I do not want to lose my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: TX

Complaint narrative:
XXXX   XXXX   XXXX   and I agreed on a loan modification for my loan and agreed on a payment of {$100.00} per month. We did a trial run of paying {$45.00} a month for a while but, in   XXXX   XXXX   we agreed on {$100.00} per month. Ever since that time, I have been paying {$100.00} a month to   XXXX   XXXX   XXXX  , please see the attached payment history with shows every payment that I have made on this account since   XXXX   XXXX   XXXX  . Unfortunately,   XXXX   XXXX   XXXX   is not reporting the payments that I have been making on this account. The payment history which they are reporting on my credit report stops on   XXXX   XXXX  . They are also reporting that my account is past due and that the status of my account is Charged off. " Accountcharged off.Balloonpayment of $   XXXX due  XX/XX/XXXX .  {$26000.00} writtenoff. '' THIS IS WRONG!!!! We had a deal and I living up to my end of it but,   XXXX   XXXX   XXXX   is reporting that my account is charged off and past due ruining my credit history and my scores. The are doing this out of spite! I tried calling them so many times but, no one helps! I have been paying my account on time in accordance with the loan modification agreement. Please have the creditor update the credit reports to show my on time payment history and that the account is currently in good standing and paid as agreed. Please see attached payment history for account. They even wrote that the account is " transferred to recovery ''. THATS A LIE! The account is still with them, they receive my payments every single month.

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 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX   XXXX   XXXX   and I  agreed on a loan modification for my loan and agreed on a payment of {$100.00} per month. We did a trial run of paying {$45.00} a month for a while but, in  XXXX   XXXX  we agreed on {$100.00} per month. Ever since that time, I have been paying {$100.00} a month to  XXXX   XXXX   XXXX , please see the attached payment history with shows every payment that I have made on this account since  XXXX   XXXX ,  XXXX . Unfortunately,  XXXX   XXXX   XXXX  is not reporting the payments that I have been making on this account. The payment history which they are reporting on my credit report stops on  XXXX   XXXX . They are also reporting that my account is past due and that the status of my account is Charged off. " Accountcharged off.Balloonpayment of $  XXXX due  XXXX  {$26000.00} writtenoff. '' THIS IS WRONG!!!! We had a deal and I living up to my end of it but,  XXXX   XXXX   XXXX  is reporting that my account is charged off and past due ruining my credit history and my scores. The are doing this out of spite! I tried calling them so many times but, no one helps! I have been paying my account on time in accordance with the loan modification agreement. Please have the creditor update the credit reports to show my on time payment history and that the account is currently in good standing and paid as agreed. Please see attached payment history for account. They even wrote that the account is " transferred to recovery ''. THATS A LIE! The account is still with them, they receive my payments every single month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: TX

Complaint narrative:
XXXX   XXXX   XXXX  and I agreed on a loan modification for my loan and agreed on a payment of {$100.00} per month. We did a trial run of paying {$45.00} a month for a while but, in  XXXX   XXXX  we agreed on {$100.00} per month. Ever since that time, I have been paying {$100.00} a month to  XXXX   XXXX   XXXX , please see the attached payment history with shows every payment that I have made on this account since  XXXX   XXXX ,  XXXX . Unfortunately,  XXXX   XXXX   XXXX  is not reporting the payments that I have been making on this account. The payment history which they are reporting on my credit report stops on  XXXX   XXXX . They are also reporting that my account is past due and that the status of my account is Charged off. " Accountcharged off.Balloonpayment of $  XXXX   XXXX  {$26000.00} writtenoff. '' THIS IS WRONG!!!! We had a deal and I living up to my end of it but,  XXXX   XXXX   XXXX  is reporting that my account is charged off and past due ruining my credit history and my scores. The are doing this out of spite! I tried calling them so many times but, no one helps! I have been paying my account on time in accordance with the loan modification agreement. Please have the creditor update the credit reports to show my on time payment history and that the account is currently in good standing and paid as agreed. Please see attached payment history for account. They even wrote that the account is " transferred to recovery ''. THATS A LIE! The account is still with them, they receive my payments every single month.

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 2017-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One p osted a late payment on my credit report against FCRA rules. My payment due date was  XXXX   XXXX  ( {$67.00}  )  and I made my payment  XXXX   XXXX  ( {$100.00}  ). Technically,  from my understanding of the law, as long as I make a payment before  XXXX   XXXX  a creditor can not charge me with a late payment. Late payments occur if no money is received 30 days after the due date.   Capital One posted a late payment on my credit report for not making a payment 5 days after the due date. Please review this with Capital One as I feel this is excessive and that I should not be charged late for this.
I contacted Capital One   and spoke with the rep,  XXXX . She filed a formal dispute and informed me it could  be 10days that a rep from Capital One would contact me and that the bureaus may take 30-60days to po ssibly remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a released state tax lien from the state of Georgia on my credit reports at Transunion,  XXXX , and  XXXX . The lien was filed on  XX/XX/XXXX  and was " paid satisfied and ordered canceled from record '' on  XX/XX/XXXX  ( see attached ). I understand that released tax liens can remain on your report for up to 7 years, however you can request that they be removed. I filed disputes with the  XXXX  redit Reporting Bureaus, who stated that they need documentation from the GA Dept of Revenue requesting that the released lien be removed from my report - they r eport that the information is accurate and it is listed on my credit report as 'released. ' One credit bureau stated that the disputed information was updated, but my credit report remained the same.  XXXX  will only allow you to dispute fraudulent information. I contacted the  GA Dept of Revenue who  advised me that they will not write letters and do not have any type of withdrawal form for satisfied state tax liens as are in other states. I would like this lien removed from my credit report. It has been paid and released for over 5 years now and I can not get any cooperation or assistance from either the credit reporting bureaus or the state of GA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We have made several attempts to settle this matter and we have sent information requesting documents that prove that our position is correct, but they will not release those documents because they are very telling. So this has led us to file again the questions that were not addressed in their reply to you initially. They have already admitted that they do not have the original note and mortgage, but this was key to them getting a judgement against us. where is the fairness in that. The additional questions are being asked to ascertain the position that they have accepted or offer by singing the registered mail sent months ago, and it should be honored. and the sale stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just want them to investigate XXXX complaint about me owing {$3300.00} and ask them why they didnt respond to the first complaint.

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 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
I have mad e 3 attem pts to rectify this account with this debt collector. No matter how much sense it makes they just continually say the same thing. My first problem is my lease was broken  by 2 weeks n ot 4 months. The lease dates are not correct. The lease they provided me was not dated by me or the resident agent because I opted not to renew the lease. Also there are previous charges of almost {$3000.00} but they failed to provide a printout for what those charges were for.They have to early termination charges of {$1700.00}  one states Pre-Term the other says Lack of Notic e which is the exact same thing worded differently, also in the contract there is not a clause presented in reference to early termination fees. The amount they are saying I owe is utterly ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: CA

Complaint narrative:
Upon reviewing my credit report, I noticed an inquiry made on  XXXX   XXXX ,  2016  under the name of  XXXX   XXXX   XXXX   XXXX .     I immediately made contact with Equifax to dispute and have this corrected. I 've been trying to have them remove this inquiry for the last couple months and each time they claim that this inquiry is correct.     I made contact with   XXXX   and informed them of the situation. They immediately apologized and informed me they would mail me a letter in regards to the inquiry with all the information needed to remove this inquiry. Once I recieved this letter, I was to fill out the bottom portion of the form and mail it over to Equifax. I mailed the letter to Equifax and have not received a reply and it has been over 30 days. I have included a copy of this letter to have this inquiry removed ASAP.

Company response to consumer: Closed with explanation