vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-22 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: MS

Complaint narrative:
I purchased a new XXXX XX/XX/XXXX financed through XXXX XXXX. In XX/XX/XXXX, my motor went out in the vehicle. The car was towed to XXXX dealership, and it was confirmed the motor was gone. I had around XXXX miles on the vehicle, and XXXX XXXX would not replace the motor even though it was still under warranty. I told them they can pick up the car because there was no way I could pay for the car and get the motor replaced. XXXX XXXX did not offer any assistance in the matter. Therefore, since the car was deemed as totaled, my insurance company paid a portion of the balance and thereafter the car was recovered. 
Around XX/XX/XXXX, the car was recovered by XXXX XXXX and charged off. However, XX/XX/XXXX, XXXX XXXX is now reporting late payments on my credit report which is ruining my credit. How can the car be charged off and reporting late payments? I have not been in contact with XXXX XXXXsince the charge off. I have not any activity on this account none whatsoever. The account was closed charged off and date of last payment inaccurate and they would not delete I have read several articles with XXXX XXXX using unethical practices. This is really emotionally disturbing and stressful.

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 2019-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This debt was incurred by capital one one the year 2010 and it has then been more than 9 years since the debt was owed. USD ( {$400.00} ) Capital One is no longer expecting their money back because last time I spoke with their entitys representatives they told me that they had written it off. This this third party company is calling my number and has disclosed to me that they have systems in their power of utility to look up my personal familys phone number and call me no matter where Im after I have changed my phone number on more than five occasions. Every time I apply for a new XXXX on my credit they have found my dial on their directory and are contacting me with out any legal representation nor with out any consent of my own prerogative. According to the fourth of amendment of the the U.S. Constitution we as a people have the right to be protected in our persons assets and effects. My call dial number is my effects. ( IV ) They have call me on several occasions answer and I have asked them to take me social security number out of their DOS system and all they do is hang-up on me. They say I have to write a letter to them to disclose to them my current address. I have not and will not do that. They do NOT have my permission to utilize ( use ) my SSN #! They in fact, as far as Im concerned, stole my number from the SSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been separated for over a year and my divorce was final on XX/XX/2019. Im a single mother with no income and I currently do not receive child support. In our divorce decree it states that my ex husband is responsible for all debt. I received a check on XX/XX/2019 to pay for my daughters college and pay bills. I deposited it into my Wells Fargo checking account and on XX/XX/2019 Wells Fargo seized {$3800.00} for a credit card debt. They left me with {$100.00} in my account, which caused bills to bounce and Im no longer able to pay for my daughters school. I never received any documents from Wells Fargo

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 2019-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
I'm not sure what all is going on but my identity has been compromised. I have already gone to the bureaus and others to resolve this. This is not my debt. Sorry for the inconvenience. You guys are stating that I opened an account in XXXX of 2019 ... Please mail me all the original documents showing I received services from you since XXXX of 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
1. There is a late payment showing for XX/XX/XXXX, I was in forbearance. 2. XXXX representative provided incorrect email address repeated it twice, forms were sent to that address. XX/XX/XXXX, another representative called and provided correct email address and conflicting information causing forms to have to be re-sent and updated. 3. I was struggling with payment amount in XXXX, told that I was 75 days late And that they did not report late payments until 90 days, misled about them wanting to prevent negative reporting to the credit bureaus and that I would be placed into natural disaster forebearance as I live in wildfire territory. This forebearance was supposed to cover XXXX XXXX XXXX. They in return reported the late payments and later acknowledged that I was in natural disaster forebearance until XX/XX/XXXX. There is email proof and representative XXXX and supervisor XXXX on XX/XX/XXXX and nd representative XXXX and supervisor XXXX on XX/XX/XXXX. 4. There is a late payment listed for XX/XX/XXXX, at which time I was also in a natural distaster forebearance, as supported by email and acknowledgment by representative XXXX in conversation on XX/XX/XXXX and representative XXXX and supervisor XXXX on XX/XX/XXXX. 5. They are reporting to XXXX that I pay XXXX per month which is negatively impacting my debt to income ratio. 6. I have been struggling with repayment and was never notified about any forgiveness programs until XXXX, at which time i would been more than eligible for the public service forgiveness program as I have been work g in XXXX XXXX for 8 years. 7. They never offered to consolidate loans until XXXX. 8. They sent me a letter on XX/XX/XXXX starting that they didnt have to investigate my dispute and that no updates were made to the accounts yet they did, as they changed the date that loans were first reported from XX/XX/XXXX to XX/XX/XXXX. They did this with ill intent, to purposely negatively impact my credit score, and to stop me from disputing the accounts. I have 8 accounts, so 56 late payments although the loans are now consolidated, are killing my score. 9. When logging into my account on XX/XX/XXXX, my balance shows XXXX, yet they are reporting 120,000 plus to all credit bureaus which is having a negative impact as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
Your Loan Number : XXXX, XXXX XXXX XXXX. XXXX XXXX, Va. XXXX Synopsis of Your Loan # XXXX, XXXX XXXX XXXX. and Demand of Estate 1. Loan Originated : XX/XX/XXXX Just Mortgage, {$460000.00}, 6.5 % /annum, $ XXXX 2. XXXX XXXX took the loan over from Just Mortgage on same day of the Loan 3. Mortgagor XXXX XXXX passed away. 
4. Mortgage payment getting delay. 
5. During the difficult time, weve been trying to get catch up the loan and even worked loan modification that conditionally approved by XXXX XXXX and we succeed 3 months trial payment period, but it is not taken the place without any explanation. 
6. XXXX promise to give us Flex Modification that we can qualify on XX/XX/XXXX 7. XXXX XXXX XXXX claims that they are the servicer of the mortgage. 
8. The point of contact pretended not to know about promised Flex Modification 9. Push to complete the loan modification form without any terms and conditions which is not the Federal Flex Modification that promised by XXXX XX/XX/XXXX 10. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 11. Weve tried to get solved the issues with XXXX XXXX XXXX but weve been ignored 12. XX/XX/XXXX Rushmore Loan Management Services took over the Loan as the servicer of the Loan and XXXX XXXX XXXX as the Owner of the Loan Estate of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Va. XXXX Your Loan Number : XXXX

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 2019-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
It appears XXXX XXXX left the mortgage business in XX/XX/XXXX. Our mortgage was transferred to Shell Point/New Penn/NewRez- the company has changed names three times since XX/XX/XXXX. For the sake of this communication we will call the company by current name, NewRez. 

We had been processing our loan payment monthly but beginning XX/XX/XXXX began sending money weekly on Fridays. NewRez incorrectly processed the hazard/home insurance payment in XXXX XXXX in the amount of {$7300.00} instead of {$3600.00}, NewRez ignored the home portion and paid the full insurance bill that included our auto policy. NewRez re-calculate the Escrow for XXXX based on this incorrect amount and increased the monthly payment due by from {$2700.00} to {$3500.00}. It took from XXXX through XXXX to work through this incorrect payment and what happened. It was myself and the insurance company ( XXXX ) that proved to NewRex the error. 

The monthly loan amount due was finally corrected once NewRez updated the Escrow, we still have not received the XXXX Escrow Analysis. We began sending weekly payments on XX/XX/XXXX in the amount of {$690.00}. As of XX/XX/XXXX, NewRez has received 38 weekly payments totaling {$26000.00}. See attach documentation of these payments from XXXX XXXX. The monthly payments from XXXX was {$2700.00} and from XXXX should be {$2800.00}. Our account should reflect we have {$1000.00} towards XXXX payment. NewRez needs to accurately reflect the monthly payments and the account will be updated. We also should ha

ve zero late payments. We have looked to other mortgage companies but we will have t
o pay the fees to move companies. We don't want to be with NewRez. There is no brick and mortar or person to speak to. We've been bombard with stupid letters that state NewRez has received our correspondence but nothing. After sending two more forms of communication to NewRez, we researched to see where we could file a complaint. We have excellent credit ( XXXX & XXXX ) and to continue to see late payments or receive collection calls is humiliating. We wish XXXX XXXX would've allowed us to choose the mortgage company and now would request NewRez pay the fees for us to move our loan elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: GA

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report. They are claiming we owe money to them we do not. The apartment complex, The XXXX at XXXX XXXX XXXX has many complaints about reporting inaccurate information on several past residents credit reports, causing a blemish on credit history. They are well known for charging past tenants fees as a punishment for leaving. They are holding our credit report hostage. There are many many complaints about them. 

The newer site manager claims after being a resident for four to five years that normal wear and tear of the carpet around the bed that we have to sleep in every night was being charged to us in excess of {$1300.00}. I can understand if we damaged the walls etc but how can you charge someone for walking on a carpet. This is absurd, and this complex needs to be investigated for reporting false/inaccurate information on residents credit report just to keep their deposits ; which they have done to us and so many others. They keep the deposits and charge for things that they should not. When we left the apartment the place was spotless and they purposely tried to schedule the final walk through when we could not be there just so that they can claim unwarranted damages. I have also disputed the charges and asked for a detail breakdown of why i was charged. They have refused to send me anything showing why i owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I leased a 2016 XXXX XXXX XXXX ( XXXX : XXXX, Account # XXXX ) from XXXX XXXX XXXX XXXX starting XXXX XXXX, XXXX and maturing XXXX XXXX. I opted to extend the lease. I am ready to turn in the vehicle but I was informed by the leasing company that I can not get the prorated monthly amount back, even if i have returned the car. In other words, to avoid paying the financing company money for days in which I don't have the car, I'd have to return the vehicle on the exact date of the XXXX each month. I ought not have to pay for days in which I no longer posses the vehicle. This is a common sense request, and one that ought to be extended to every consumer of an auto lease.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
My USAA Visa card last month stated that I did not owe a minimum payment, " {$0.00} '' even though I had a balance of {$940.00} owed for insurance payments to USAA. So thinking the payments were not due, I didn't pay anything. Then this month the bill still says no minimum payment due, but I found I was charged interest of {$7.00} because I didn't pay the balance owed last month. Nowhere does the bill state interest will be charged if the balance is not paid, even though the bill says no payment is due.

In addition USAA used to bill the insurance balance in four monthly payments on the credit card, without interest charged. Apparently that has stopped though I was not notified. An insurance person said it's still happening, but the bill and the credit card people say that program ended.

USAA needs to get its act together, and tell its customers when interest will be charged, etc. I've been a member since the 1960s.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I was sending money over to a friend, but they sent me the wrong PayPal link. Ive been trying to contact the person for a refund, but they arent answering. PayPal says they cant do anything. I sent {$63.00} USD. Date : XXXX XXXX EDT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: Atlanticus Services Corporation
State: SC

Complaint narrative:
On XX/XX/2019 I applied online for a Fortiva XXXX and was approved online that same day. I realized I had made a huge mistake because of the fees involved and the low ( {$700.00} ) credit limit, and the fact that there was an annual fee of {$200.00} plus a {$25.00} authorized user fee for an additional card for my spouse. I attempted to call the company at the only telephone number provided on the initial correspondence ( XXXX ) to cancel the card before it was activated, but the telephone call caused activation of the account. On XX/XX/2019 I wrote a letter to Fortiva requesting cancellation of the cards. The address shown for correspondence on the account is XXXX. XXXX XXXX, XXXX, Georgia XXXX/ I have had no reply to my request. 

I have not used the cards at all. I received an invoice from Fortiva on or about XX/XX/2019, wherein I was charged an annual fee of {$170.00} and Authorized User Fee of {$25.00}. The new balance amount was {$200.00} with a minimum payment due of {$25.00} due prior to XX/XX/2019. 


In the cardholder agreement, under " ACCEPTANCE OF THIS AGREEMENT '' it reads " Your activation of your card, your use of the account, or any payment made on the account, evidences your acceptance of the terms of this agreement. '' I called to cancel the card, but my call activated the account. I wrote a letter ( copy attached ) requesting cancellation, but apparently my request was ignored. I do not feel that I am obligated to the company for user fees when I have done everything I know to do to cancel the card before it was activated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
I was contacted by two people claiming to be employed by Professionals Credit Services based out of XXXX ( maybe ) with an office listed in XXXX on there site professionalcredit.com. 

The first contact was from a man on XX/XX/22 claiming I owned XXXX XXXX XXXX {$25.00}. I responded that it did not sound right to me and that I would contact XXXX to sort it out. He was insistent I deal with it now but I just didn't feel comfortable providing him with my personal information. 

I contacted XXXX, who confirmed that the debt never exisited and if it did they would certainly have record of both the debt and what credit agency it was sent to. I assumed it was a clerical error but they suggested it was a scam since they have been recieveing alot of inquiries like mine, with a low amount that they have no record of. 

Today ( XX/XX/22 ) I was contacted by a person names " XXXX '' claiming to be from Professional Credit Services and demending {$28.00}. I explained that XXXX denied the debt ever exist and that this was a phising call. At which point she got combative and refuse to provide me with a mailing address. She ended up giving a XXXX XXXX XXXX Idaho that doesn't match the contact information listed on the website of the company she claims to be employed from. 

" XXXX '' appeared to be calling from her personal number, XXXX. After a brief search of my call history I found the first call from XXXX XXXX that came from XXXX. That number had made multiple attempts in XXXX to contact me. 

I am in the process of contacting the credit agency to put a hold on my credit and inform them of what I believe to be an attempt at phishing. 

I felt it was important to also file an official complaint so that this matter get investigated since I do believe it's fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Local Data Recovery, LLC
State: IL

Complaint narrative:
On or about XX/XX/2019 I and my wife started to receive persistent calls from Local Data Recovery from phone # XXXX. My requests to cease calling us was ignored.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On or about XX/XX/2019 XXXX and my wife started to receive persistent calls from XXXX XXXX XXXX from phone # XXXX. My requests to cease calling us was ignored.

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 2019-06-22 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: IL

Complaint narrative:
I WAS A VICTIM OF ID THEFT IN XXXX OF 2019. I FILED A REPORT WITH THE FTC, XXXX POLICE DEPARTMENT AND CONTACTED BANKS. I SUBMITTED ALL THE DOCUMENTS TO ALL THREE CREDIT BUREAUS YET THEY DECLINED TO REMOVE THE INACCURATE INFORMATION FROM MY CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These following accounts are not mine but when I disputed them transunion did not do a proper investigation and notify me in the time allotted. But they deleted the investigation from the online portion of their website so I could not access it very deceptive. 

DPT ED/XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX DPT EDXXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX DPT ED/XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX US DEPT ED XXXX {$0.00} - - Installment Negative XX/XX/XXXX US DEPT ED XXXX {$0.00} - - Installment Negative XX/XX/XXXX XX/XX/XXXX

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 2019-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: TX

Complaint narrative:
Client Services INC fax notice on XX/XX/2019 wrong person associated with my phone number requested future contact to only be in writting recievec phone calls on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The company has noted stopped trying to contact me on my cell phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation