vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This is not a complaint. Its acually a request for help. This situation is being overwhelming for me now. This is about a mortgage account. The account information is the following : Specialized Loan Mortgage account # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$390000.00}, joint account. 

We have a perfect payment history on this account since it was opened in XXXX ; until XXXX and XX/XX/XXXX that I was marked late. XX/XX/XXXX payment was received on XX/XX/XXXX but they marked it as received on XX/XX/XXXX, and XXXX, payment was received on XX/XX/XXXX, but they marked the late again! 

The issue was that we made payments before we were over 30 days late, but the lenders system took the payments in for the next day. 

Also, I called in XXXX to get a deferment due to income being affected, and being quarantined due to Covid, but I was put on hold for hours and could never get through. 
This was lenders negligence and unfair business practices, they were giving deferments but he could never get through on the phone to get deferment. 

Finally, when I got through months later, they said that I could get a deferment now for the coming months but not the previous months. Therefore I couldnt get a deferment. They need to backdate deferement and mark my account current for months of XXXX and XXXX. We are living dificult times, and I hope to get a fair solution to this matter. I am requesting to get the XXXX late payments corrected. 

Thank you so much.

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 2020-05-20 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 — Investigation took more than 30 days
Company: Account Control Technology, Inc.
State: CA

Complaint narrative:
ACCOUNT CONTROL TECH is a collection agency collecting for XXXX University in the amount of {$4100.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and CCPA to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I had American Express Platinum credit card ending ( XXXX ) offering {$200.00} travel credit each year and the account has been closed in XX/XX/2020. I suddenly got a bill in XX/XX/2020 claiming Amex mistakenly classified two of my purchases as eligible and now they would like to reverse them and ask me to pay {$200.00}. 

I find this charge is groundless. Amex admits this is their mistake. More important, if they had told me this mistake while the account was open, I could have apply the travel credit to other travel related purchases. Also I would have used credit cards by other companies to pay for this charge as I do have other credit cards which would consider my purchase eligible. 

Amex advertises this trave credit to attract consumers to apply for their card. I paid membership fee for these benefits. Their mistake deprived consumers of the right to use these benefits. This is blatant cheating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I sent an email through the Gm portal submitting the wrong reporting of payments and excessive billing out one month ahead which keeps reflecting a past due amount. I have had numerous calls for collects but no one can help me with email i submitted. Due to Covid no one is in call center and you can not obtain any help except through portal. What in place for covid in the state of texas as far as consumer protection?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
The company I'm complaining about is KIA MOTOR FINANCE In XXXX of XXXX they called a reference of mine and I called them and asked do not ever call this reference again hey have contact number.In XXXX of XXXX and XXXX XXXX hey called the same reference asking them for my contact information.I called the today and advised again do not call this reference and they advised that the name is on my contract as a reference and i advised i does matter I have asked them not to contact my references because they have my contact information and i did advised i would be filing a complaint in regards to this matter This is a FDCP violation and I want this fined for it

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 2020-05-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC

Complaint narrative:
Heartland ECSI has been repeatedly contacting me in an attempt to collect payment on a {$2600.00} emergency loan that I had to take out as a XXXX XXXX University student during XXXX. The bill has escalated to {$2900.00} and is not my responsibility because yesterday, on XX/XX/XXXX, I contacted the university 's financial aid office and they noticed an error on my account. There was actually a credit on my account from a valid student loan that by fault of the university was returned to the lender. I now have a tuition refund credit on my account in the amount of {$10000.00}. Heartland ECSI has mentioned that all they can do is work with me to initiate a payment plan but I do not owe them any money at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX is a collection agency collecting for XXXX University in the amount of {$4100.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.

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 2020-05-20 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 — Investigation took more than 30 days
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
AMSHER is a collection agency collecting for XXXX XXXX  in the amount of {$150.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 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: Convergent Resources, Inc.
State: OH

Complaint narrative:
The account with XXXX was default in XXXX. Convergent continues to report the account as being delinquent as late as XX/XX/XXXX as if that is the Date of First Delinquency but it is NOT and it should not be reporting with that origination date

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 2020-05-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is a collection agency collecting for XXXX XXXX  in the amount of {$150.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.

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 2020-05-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX is a collection agency collecting for XXXX XXXX  in the amount of {$150.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.

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 2020-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 I used the XXXX application to deposit a check for XXXX into my personal checking account. When I did not receive confirmation that the check was deposited I redeposited the check. However, after researching further, I identified that I had incorrectly deposited the check the first time into my business account rather than my personal account. I realized this shortly after the deposit ( Friday afternoon ). I contacted both the originating bank ( my XXXX XXXX Checking account ) and Chase via electronic messaging. Both checks were funded by Chase on Friday afternoon. I don't know how this could have happened since the check was made out to XXXX XXXX, which I signed as XXXX XXXX, and it cleared and was funded toXXXX XXXX XXXX XXXX  ( my business account ). On Friday, the check had also been funded to my personal Chase account. I knew then that there was going to be a major problem because the originating bank didn't have XXXX to cover two XXXX checks. That's why I alerted all parties involved. Also, I did not expect that XXXX XXXX was fund the exact same check two times. The first check cleared and the second attempted withdrawal was returned as insufficient funds. On Monday, I contacted XXXX XXXX and they advised that only one check had cleared and only one had been presented for payment and that I would need to contact Chase to resolve the issue. I did so and was advised by Chase that they could cancel the check that was deposited to my business account. They cancelled the transaction. Low and behold, Tuesday morning, my personal account reflects a negative balance ( the XXXX funded had been reversed due to insufficient funds ). I spoke with both XXXX XXXX and Chase yesterday for no less than 2 hours and 5 separate Chase representatives to resolve the issue. As of the writing of this complaint, I still have not received the XXXX. My personal account is negative, the money is out of my XXXX XXXX account, and the money is no longer in my Chase business account. Each party is pointing fingers at the other while I sit here incurring bank fees, negative balances, and no access to my XXXX. I might add, I am in the process of buying a house ( which is why I transferred the XXXX from one account to the other ) and none of this is going to help with my credit. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I paid off my lease agreement in XXXX of 2020 and returned my vehicle at the end of the month with no damage or excess mileage. There was a disposition fee as we did not purchase another vehicle. We never received a bill. On XX/XX/2020, through my credit monitoring application I noticed an account update of 30 days past due. In talking with the customer representative on XX/XX/2020, she showed on the current account the bill was sent, however, on our other account our address was invalid. The second lease account had the same address listed as invalid with no billing statements being sent. This transpired during the global pandemic and the account supervisor is resending me the bill and corrected both accounts, however, they are not willing to take the credit reporting off of my account. Obviously, there is an error in their system with my mailing address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20 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: TX

Complaint narrative:
The account below is not mines. It was also opened and closed the same month. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$1500.00} The 43 inquiries is not mines I did not athorize. 

Inquiry details XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXXnquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX  Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automotive XXXX  XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Bank

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 2020-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian Credit reporting company is who my complaint is in regards to. I called this company over 4 times and talked to 3 different agents the first agent transferred me without me knowing to fraud department. The agent XXXX kept cutting in and out. I asked her to call me back at my number she kept having me repeatedly tell her information I gave her already. I asked to be transferred and was sent to someones voicemail. Then I called back and I informed the next agent I was frustrated after spending so much time on the phone over 40 minutes trying to file a dispute he tells me to calm down and tells me he was going to end the call. I never used bad words or said anything other than what any other person would if they were upset I told him the customer service sucks and his attitude as well. Needless to say he hung up I told him I would contact the federal trade commission to file complaint because at the end of the day they are being paid to take disputes over the phone not hang up on people that have poor experiences with there company. They didnt try to fix the problem. I gave them my ssn numerous times and verified my address. I feel like they are not doing there job in addressing the main issue. All I wanted is to file the dispute inaccuracies on 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 explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alpha Recovery Corp
State: TN

Complaint narrative:
I was getting proofed number calls ( local TN numbers ) where i was being asked personal information and was not told where they were calling from and all they would provide is a first name so i would hang up because i thought it was fraudulent / fake. 
I received a letter in the mail from a debt collector to call them since i was under the impression all my debt was resolved. The person told me they were the ones that were spoof calling and not letting me know who they were. I said i didn't recall this debt and how i didn't recognize it and asked they send me paperwork validating the debt. Which they had not and i was unaware of what this was. He then decided to start getting aggressive and say how i was playing games to not pay and kept on being abusive and aggressive. I was so upset i asked to speak to the supervisor and actually was so upset i used improper language. They can not use deceptive practices to talk to you, not validate the debt and they SHOULD NOT harass or insult people. I asked they stop calling me and stop all harassment and deceitful practices. If they think insulting people will male them pay they are wrong. Don't we have rights to know what the debt is they are trying to collect? Shouldn't they have to validate the debt instead of harass us and make us admit to a debt we know nothing about? They kept trying to force me to admit to a debt i had no idea existed. 
We need fair and respectful treatment from these debt collectors. Consumers need better options than what is out there. they fail to abide by the rules and they continue to call and harass and use abusive practices. 
XX/XX/2020 I called them around XXXX XXXX ET. The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had three business credit cards accounts and I was always in good standing never late. I paid them off in full then they closed all three of my cards for what reason I dont know why I feel its an act of discrimination

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