vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
XXXX XXXX is attempting to collect a debt that is not owed by way of XXXX XXXX   XXXX, XXXX. The amount not owed is XXXX and they sent the letter to my ex-wife and she was stress out and so were my kids. This account was discharged in Bankruptcy court. The account is XXXX. The phone number is XXXX. A month ago, I called XXXX XXXX and they sent me accidently to Portfolio Recovery Associates and demanded I pay XXXX dollars. I told them that I this was discharged in Bankruptcy court. 2 days ago, I called Portfolio and talked with an associate on account number listed above and they demanded XXXX payment. I told them I would contact my bankruptcy attorney and I did. However, the bankruptcy attorney told me that he is no longer working as my bankruptcy attorney and I had to find another attorney. This is why I am contacting your organization. My ex-wife does not owed this money and neither do I because it was in the bankruptcy chapter XXXX. I filed in Colorado and my divorce was in Colorado. The bill states " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to a credit bureau. Depending on the laws of your state, certain actions, such as making a payment or promising to pay the debt, may restart the time period for filling of a lawsuit against you : but even if that were the case, we still will not sue you on this debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I have attempted to change the business name and address for my business credit card for the past year, from XXXX XXXX to XXXX XXXX Because the XXXX XXXX name keeps appearing on US Bank 's statements, the Post Office has not been able to deliver the mail with the statement to my business. The " unit '' for my business address must have " XXXX '' for the mail carrier to recognize that the mail belongs to me ; without this, the mail carrier is forced to return the mail to the sender, US Bank. 

Whenever I call US Bank, they tell me different supporting docs are required to have the business name changed. I have faxed US Bank the requested docs at least 4 times since XX/XX/XXXX, and these faxes are attached. The last couple of times I've called, the reps and supervisors on the phone have ensured me they have received everything to change this business name and address, and they need 2 weeks to implement the change. 

As of XX/XX/XXXX, the statement that I must keep pulling online still has my old business name on the address, and I have yet to receive a statement in the mail. 

US Bank must tell me over the phone exactly what proof is needed to have this name changed, not keep changing their story on what is required, and not force their customers to fax multiple times their requested docs. I speak to different reps every time I call, which is expected from a big company like US Bank, but they must be trained to advise their customers consistently, since they are after all one company. They should not make it difficult for their customers to actually pay their bills on time. And I don't know why US Bank has all these requirements just to change the address so that the proper business name appears and the mail carrier can deliver my statements without confusion. 

I assume US Bank is not maliciously making this difficult just to try to have me miss payments, and pay interest.

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 2018-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Not sure what this about

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
2 years ago my property was foreclosed on. I spent over a year trying to get a loan modification because my interest rate was 11.25 % Wells Fargo locked my account where I could not make payments thus putting me behind. Trying to save my home I contacted Wells Fargo numerous times to be told my mortgage had been sold to a private investor. They refused to tell me who the investor was and foreclosed on my mortgage

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 2018-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
first the car dealership had added my name on to this loan without my permission only for my daughter to find out after filing chapter XXXX bankruptcy where the debt was reorganized and corrected to now reflect on her name on lt, and the company made a promise to correct this to not reflect on my name as the rightful owner made all of the required payments for the past year, well upon calling emailing and disputing this invalid debt is still showing up on my credit report when it should only be on my daughters report which she has called them and confirmed this on several occasions and was promised that the problem will be fixed and the reporting will be corrected

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 2018-09-07 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:
first the car dealership had added my name on to this loan without my permission only for my daughter to find out after filing chapter XXXX bankruptcy where the debt was reorganized and corrected to now reflect on her name on lt, and the company made a promise to correct this to not reflect on my name as the rightful owner made all of the required payments for the past year, well upon calling emailing and disputing this invalid debt is still showing up on my credit report when it should only be on my daughters report which she has called them and confirmed this on several occasions and was promised that the problem will be fixed and the reporting will be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: IL

Complaint narrative:
first the car dealership had added my name on to this loan without my permission only for my daughter to find out after filing chapter XXXX bankruptcy where the debt was reorganized and corrected to now reflect on her name on lt, and the company made a promise to correct this to not reflect on my name as the rightful owner made all of the required payments for the past year, well upon calling emailing and disputing this invalid debt is still showing up on my credit report when it should only be on my daughters report which she has called them and confirmed this on several occasions and was promised that the problem will be fixed and the reporting will be corrected

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 2018-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
The problem I am currently having is the repayment portion. I've been paying on my student loans faithfully and the balance I owe is higher than the amount that I initially borrowed. It seems like I'm only paying interest and my balance is getting higher and higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
On XX/XX/2018 I initiated a chat session within XXXX after logging into my account. I explained that there was a property tax discrepancy on the latest tax bill XXXX sent me to pay on XX/XX/2018 and {$120.00} was not my responsibility. There were two cars on the bill based on what my local tax office confirmed. After providing the detail the service rep instructed me to send a fax with all the details to the XXXX tax team that included an email from my tax office to XXXX confirming there were two cars on one bill, copy of the tax bill sent to XXXX, Tax office print outs showing VIN numbers of the two cars on the  same tax bill along with the amounts owed for each, copy of my monthly XXXX  bill showing total amount owed had the {$120.00} included. A fax was sent that day and I followed up on XX/XX/2018 via phone and spoke to XXXX who informed me that all requests can not be faxed but have to be emailed. On XX/XX/18 I emailed the XXXX XXXX team my documentation which included the fax cover letter explaining the property tax discrepancy and supporting documentation. Since XX/XX/XXXX I called customer service the following dates to get an update : XX/XX/XXXX : Spoke with XXXX ( no update ) XX/XX/18 : Spoke with XXXX ( no update and opened an official complaint # XXXX ) XX/XX/18 : Spoke with XXXX ( no updae ) XX/XX/18 : Spoke with XXXX ( stated no one has even looked at my complaint ) XX/XX/18 : Spoke with XXXX ( no update ) and stated that I need resolution since my lease is up the end of XXXX. 
XX/XX/18 : Spoke with XXXX from office of Consumer Practices ( he emailed tax office and said to follow up in a couple days ) XX/XX/18 : Spoke to XXXX form office of Consumer Practices and had no update. 

The payoff to purchase my car had an extra {$120.00} added to the payoff which is owed to me. I do not feel it is acceptable to have an escalated issue unresolved for 4 months when the documentation provided clearly explained the error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account Type : LEASE Account Number : XXXX My payment due date is on the XX/XX/XXXX of each month. My payment for XXXX XX/XX/2018 was not past 30 days late. My payment was made on XX/XX/2018. Please see attached proof of payment history. Payment XX/XX/18 Payment XX/XX/18 Payment XX/XX/18 I was never past 30 days. This inaccurate credit reporting is effecting my credit score and As a result, causing emotional distress, interruption, annoyance, and continuing anxiety.

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 2018-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I got a car loan XX/XX/2018. My car loan was sold back to dealer due to dealer overcharging and adding extra fees. I was not informed that the dealer bought back loan on XX/XX/2018. I continued making payments to finance company and they kept accepting it until I checked my balance on XX/XX/2018. It shows payment excess of {$510.00}. I call about it. I was informed I had to wait 21 business. I wait well past the 21 days and then was informed that they don't have my money that they gave my money to the dealership. I did not authorize that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: PA

Complaint narrative:
I received a copy of my credit report and am disputing some items that need to be deleted. I have attached the disputed items on the attached copy. The reasons why these items should be deleted are indicated below : A. XXXX XXXX ..XXXXXXXXB. XXXX / XXXX XXXX XXXX C. XXXX XXXX /XXXX XXXX XXXX XXXX D. XXXX XXXX XXXX 1. Debt ( s ) has been satisfied 2. Statue of limitations 2012 one ( A ), ( C ) & ( D ) Pursuant to FCRA 611 ( a ) 15 USC 1681i ( a )

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 2018-09-07 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 been disputing this debt inaccuracy for months now and my latest letter from experian said my dispute letter was irrelevant information which is so untrue, the address that the debt was originated is listed on my report at two different locations, and the dates are unfamiliar to me, the debt is so old. It was opened in 2008.

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 2018-09-07 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: Ditech Financial LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Ref : Remove/ Delete Incorrect Information Ditech Mortgage Please be advised : This account was included in Chapter XXXX Bankruptcy, However there discrepancies with payment history. 
My Loan was originally with XXXX XXXX in XX/XX/XXXX I was in a positive account standing with XXXX XXXX  and In the middle of a Loan Modification with XXXX XXXX. 
During my loan modification XXXX XXXX sold my Loan to XXXX XXXX XXXX   without my knowledge. 
Once I found out my loan was transferred to XXXX XXXX XXXX, XXXX XXXX XXXX stated I had to complete the modification all over again. 
Resulting in Green Tree reporting negative payment history for the months of XX/XX/XXXX and XX/XX/XXXX. 
However I am a victim that has been harmed by XXXX XXXX XXXX unlawful practices. 
Please be advised : XXXX XXXX XXXX has been sued by ( The Consumer Financial Protection Bureau ) due to breaking the law on mishandling and failing to honor in-process Loan Modifications. 
This Loan was transferred from XXXX XXXX XXXX to Ditech Mortgage with incorrect information negatively reporting in my payment history. 
I am a harmed consumer and requesting that this negative reporting be deleted/ removed ( XX/XX/XXXX and XX/XX/XXXX ). From all 3 major credit bureaus ( XXXX, XXXX, XXXX ) Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NATIONWIDE ACCEPTANCE LLC
State: IL

Complaint narrative:
after receiving services from this company before, somehow my identity was stolen for the opening of another account in which my identity was stole, I have submitted proof by sending my police report, and identity theft affidavit from the FTC also complaints to the XXXX. this company has responded by maintaining that because the same information that was used to obtain services in the past and also garnishing my wages for this account that they can somehow ignore what I have been directed to send them in order to restore my good name, I will attach a copy of documents sent to them

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 2018-09-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
This is about a 2nd loan mortgage from Guaranteed rate, Inc. XXXX XXXX XXXX XXXX, Illinois XXXX. This loan was funded XXXX XXXX XXXX. The loan number is XXXX. The loan has a second home rider attached to it. the address of the property is XXXX XXXX XXXX XXXX XXXX, NV XXXX. On the second home rider item 6 Occupancy is in question. The home has been rented out for short term rental since XXXX  forward. The home has been permitted by XXXX XXXX Neveda and advertised in XXXX since XXXX. Item 8 Borrower 's Loan application is in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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:
To whom it may concern : I have been a loyal American Express card member for many years, and reach out to you in regards to the current XXXX offer to save 10 % up to {$100.00}. 

This offer was saved to many of my cards. 

I spent {$1000.00} on multiple cards, and received the {$100.00} statement credit on each card. 

I subsequently spent {$1000.00} on more of my cards and again received the {$100.00} statement credit for each card. 

There was a technical glitch with a few of my SPG cards, where the system didn't recognize the charges hence the credits didnt post. 

I called in to speak with the American Express online Technical Department, and was told by a representative that " all '' the cards were in fact eligible for the credit, and that he will manually credit me for all cards that didnt post the credit on their own. 

Attached is the email received on XX/XX/XXXX asserting the offer is limited to {$100.00} total per card member, and anything above that will be charged back. 

I have also attached images where it can be seen all the credit reversals on my account. 

If American Express considers each card a separate product membership as it pertains to annual fees, it must also consider each card as a separate entity eligible for the offer. 

In question. The fact that all the cards were initially credited, clearly indicated that American Express concurred with the above noted contention. 

They have clawed back thousands of dollars in credits leaving me with massive bills to pay that have never existed before. 

I trust you will do whats right on my behalf and bring this matter to an amicable resolution. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Genesis Credit Management, LLC
State: WA

Complaint narrative:
we used to live in the apartment, the contract supposed to end by XX/XX/2017, we move out on XX/XX/XXXX and we gave them the notice the same day. The managment told us that we have to pay 1 month rent because we didn't give them 20 days notice, and they refuse to do the move inspection because we didn't give them the 20 days notice. later they send us a letter stating that we owe the money XXXX . 

later they sent that to the collection agency and they explain that the amount is for 1 month rent and the damage that has been done to the apartment. I told them we didn't go over with them they refuse to do the inspection with us where come the amount they charge us. we suppose to do the move out inspection but it didn't happen. then the collection agency start charging and send us the summon that they are suing us. 
I call them today and try to make a payment on XXXX $ they refuse they said I have to pay them XXXX $ because they already file a suit but I checked with the local court there is no lawsuit in my name. We dropped the apartment key on XX/XX/2017, we gave them a notice on XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AMA Advisors, LLC.
State: NV

Complaint narrative:
Home Bridge is reporting a 30 day late to my credit report. They have admitted that they were wrong in charging me this late fee and sent me a letter saying that they would refund the late fee that I was charged. That was back in XXXX and they still have yet to send me the refund. 

Furthermore they can not say that they will send a refund for the late payment and continue to post a 30 day late to my reports. This company is terrible to work with and I have been trying to be routed to the correct person to fix this since it happen back in XXXX of this year. They are damaging me by report this loan inaccurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief