vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: SC

Complaint narrative:
In XX/XX/2020, I entered into an agreement with my apartment management, XXXX, to defer partial rent. I requested to be let out of my lease early multiple times ( 60 days early, 45 days early ) any time that would save me money and avoid being in debt. They continuously refused but set up a seperate payment plan for me to pay over the course of the summer. 

My lease ended on XX/XX/XXXX. Within 1 week of vacating my unit on XX/XX/XXXX, I was turned into IQ Data International, Inc for collections of debt owed in the amount of {$4600.00}. Not only was this a violation of our agreement, but this amount was incorrect. The amount owed was {$2800.00}. I contacted IQ Data and the property management immediately to discuss the charges and get them corrected. 

For almost month, I emailed the property management with little to no response. Finally the property manager acknowledged the mistake and sent a new ledger to IQ Data. This ledger continued to be incorrect. Having to fight for the right amount to be reported to the collections agency basically blew through any grace period that I had. According to IQ Data, I had a 45 day grace period which ended on XX/XX/XXXX, which means that they turned my balance into collections the day after I vacated the property. No final bill was sent my forwarding address. No attempt by management was made to collect debt. It was literally turned into collections the day after my lease ended. I attempted to get the correct amount updated upon receiving my first collections letter. 

I emailed and called both parties to correct the amount. I copied the property manager, the regional manager, the Vice President and the dispute team. None of which replied. On the last day of my grace period, I had to physically show up at my former property manager 's  office and make her correct the mistake as she would not acknowledge any of my electronic communication. This is a pattern from this management company and I know of at least one other tenant in the same position. 

Mind you, we are in the middle of a pandemic. I work in the XXXX XXXX   XXXX XXXX in XXXX, SC which is heavily dependant on tourism. Our business took an epic hit and I am lucky to be employed at all. I am trying diligently to stay on top of finances but with horrible business practices such as XXXX, it is nearly impossible for someone like me to come out on top. This was a very disappointing turn of events in a already troublesome year. 

I paid this property over $ XXXX in an 18 month period. My apartment was well above market value and I was NEVER late until COVID. Even when COVID happened I tried to negotiate to avoid being in this situation that I now find myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: NC

Complaint narrative:
I have made multiple attempts to try and have this company remove inaccurate information from the credit bureau. They continue to refuse. I have written information from the department of education stating I would not be reported for late payments.

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 2020-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
After bankruptcy XXXX XXXX XXXX sold the servicing of my heloc to specialized loan services. This company refuses to send me statements even after I have asked multiple times. Also, I am up to date on my payments and they just stopped applying the payments to my account. They sent me a letter to the mail that I was behind. When I called after a 45 minute wait they said.. woops we have not been applying your payments to the account. The goal of sending this mortgage to specialized loan services was to make it very difficult for me to get information so that they can take this home that I have allot of equity in

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 2020-08-03 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 — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Good afternoon, I am filing a complaint for 3 consecutive 30 day late payments. 3 different month ranges for each of the credit bureaus reported by Pentagon Federal Credit Union. ( obvious mistake as the months don't even match bureau to bureau ) XXXX : 30 days late XXXX- XXXX XXXX : 30 days late XXXX XXXX:30 days late XXXX XXXX- XXXX ( Credit Report attached Per MyFico ) The circumstance : Every XXXX of the month a payment of XXXX is due ( along with a 5 day grace period ). In XX/XX/XXXX a letter was sent in regards to a missed payment and failure to make a full payment of XXXX. This blindsided us as we had just made a payment on XX/XX/XXXX of XXXX and XX/XX/XXXX of XXXX. That being said we were able to make a payment in full on XX/XX/XXXX of XXXX. We thought everything was fine and there were no issues moving forward with payments. This year ( XXXX ) my growing family began plans to purchase our first home and looking into our credit we had 3 consecutive 30 day late payments reported ( listed above ). I called " Penfed '' and explained that payments were made in ALL of the months in question how could I possibly have 30 day late payments reported. The customer service rep agreed after looking through my file and offered to send a email to the specific department ( dept cant be contacted by phone ) but I would need to consent for Penfed to do a hard inquiry on my file in order for them to see what happened. I did not want to add more damage to my file than what had wrongfully been done. As I mentioned before we are planning on purchasing a home. I told the rep I would rather just dispute this with the credit bureaus and have this removed that way. The rep understood and confirmed she would send a email with regards to this mistake. After disputing there was a response from the bureaus but nothing was deleted. I have been enrolled in auto pay as well as been a customer of " PenFed '' for over 3 years without issues aside from this one. Although I understand mistakes can be made, it is disappointing that this issue has yet to be resolved.

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 2020-08-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Credit Reporting Agency : Experian Account Name : XXXX XXXX XXXX XXXX They are reporting that this account was late in XX/XX/2018. 
It was in fact never late. 

I went down to the XXXX County ( NY ) Child Support office in XX/XX/2018 to get a 12 month payment history list when I saw this on the credit report and the person that I spoke to stated verbally that they over paid the mother by 1 monthly payment since they did that they failed to pay themselves. I was forced to make an additional payment due to their own error. I asked for proof of this error and she was obviously unwilling/unable to provide this evidence.

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 2020-08-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i asked experian to verify items on my credit report as reporting correct. they fail to reply

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 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had gotten my deposit from PA XXXX and US Bank had the wrong account on file and set my card to I called back to have it changed when {$10000.00} was deposited into my account they informed me that I had to wait 5 business days for a address change to go through and I could have a card expedited I waited the five days and then upon calling them again they informed me that I have to wait another five days before they would expedite me a card so I chose standard shipping on it and now the card has been waiting for 4 days to be mailed in has not been mailed yet I feel that I am being discriminated against and I am going through a lot of personal grief and heartache to have to pay bills in my rent and facing eviction in my water being cut off because they can not get me my money or will not get me my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-03 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: OH

Complaint narrative:
This complaint is for all three credit bureaus, not removing information from my credit file and XXXX requesting information that has already been provided as proof of my identity regarding a dispute. 

XXXX XXXX should be removed from all three credit reports. **Per written document included with this complaint-

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: OH

Complaint narrative:
This complaint is for all three credit bureaus, not removing information from my credit file and XXXX requesting information that has already been provided as proof of my identity regarding a dispute. 

XXXX XXXX should be removed from all three credit reports. **Per written document included with this 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 non-monetary relief
Consumer complaint received 2020-08-03 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: Professional Debt Mediation, Inc.
State: AZ

Complaint narrative:
Professional debt mediation has reported a {$1400.00} delinquent account on my credit report on behalf of XXXX XXXX XXXX XXXX in XXXX, GA. When I moved into these apartment homes, the community was brand new - as were all personnel in the front office. The lease that I signed required a 30-day lease non-renewal notification. However, after signing my lease, the front office staff added a cover page to the lease which I was never shown and I never signed. This new cover page stated that the lease, instead, would require a 60-day notice of non-renewal. Having received no notification of this policy or the fact that the front office staff planned to hold me to their 60-day cancellation policy without ever providing it to me, I provided the required 30-day notice that I did not intend to renew my lease. After informing me that they planned to charge me one months rent for failing to provide adequate notice, XXXX XXXX then provided me with a copy of all leasing documents they had on file for me, which are attached to this complaint. As you can see, the cover page that was never provided to me is unsigned by me. Instead, the lease that I DID sign clearly required a 30-day notice, which I provided and was accepted by the community management. See paragraph 6, circled in green. This is nothing less  than fraud by a predatory management team who was clearly incapable of doing their job correctly from the beginning. Their flaws, however, are not my fault, and I refuse to pay a debt which I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX. I had an account for many years. I had a checking and savings account. The bank closed my account for no apparent reason. I had my money from unemployment and my XXXX XXXX that were deposited in the bank. I havent received my money from Chase Bank. I just want my money that I worked for to be returned to me. My email address is XXXX. My cell phone number is XXXX. Please call me on my cell phone. Thank you. I tried to log in to my account, and Chase would not let me go in. I tried using the atm and XXXX number and I cant get my balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Account Number : XXXX Paid in FULL ON XX/XX/2020 AMOUNT PAID : $ XXXX {$6.00} ( fee ) = {$170.00} Requested to be removed from my credit report. 
The company 's site still shows a balance. 

I have contacted Caine & Weiner Collection agency and they refuse to show proof that the credit agency was notified of my XXXX  ( XXXX ) balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Follow up from current dispute could you confirm that you in fact had the tradeline remove from XXXX credit file on XX/XX/20 for inaccurate information? The credit monitoring service that I pay for advised that you did! You shouldve have a tradeline removed from all credit reports because youre one company that reports to all three of the major credit reporting agency therefore all the information should be accurate and reporting the same I have supplied you physical and factual documentation that its not reporting correctly and this meets Criteria to be the deleted immediately..

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 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I was in the process of refinancing my mortgage with my current mortgage holder, Freedom Mortgage Company. My wife is in the United States on an XXXX XXXX. Freedom Mortgage Company has a discriminatory policy against non-US citizens and will not refinance my mortgage to a cheaper interest rate because my wife 's Visa expires within 3 years. The XXXX Visa is a three year term and almost all Visa 's are for 3 year terms. We currently have our mortgage with Freedom Mortgage Company, never missed a payment and currently make more money and less debt than we did three years ago when we purchased the home. At the time of the home purchase my wife 's Visa was set to expire in 2 years, therefore we did not meet the discriminatory 3 year requirement at that time.

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 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
American Express wont credit me rewards points for charges made from XX/XX/XXXX - XX/XX/2020. I have an American Express XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian refuses to actually investigate an erroneous item on my credit report. The other 2 agencies did, and it was removed. Only Experian refuses. They send me a form letter that 'it has been verified. ' It CAN NOT Have been verified, as it is not accurate! Account is XXXX XXXX XXXX. XX/XX/12. Pd/closed ; {$800.00} written off. I have sent MULTIPLE certified letters, have called, they have stopped ALL fax communications ; I have asked for the proof they say they have, they furnish NOTHING. At this point, this is XXXX AND FRAUDULENT. I request they be FINED XXXX per FCRA regulations. Enough is enough.

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 2020-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
Hi, I was offered a Title Loan at 11 % interest. Ur the terms were not explained to me when I signed for the loan. They are charging me {$460.00} a month in just a renewal fee that they say only pays the interest and nothing to principle. 

The company is TitleMax In XXXX, Ga Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX And phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I purchased a car with Santander Consumer USA in XXXX. The Car was repossessed during my XXXX proceedings and paid off in settlement in XXXX of XXXX. Account has been paid and closed since then and it is not deleted off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank does not allow transfers between them and online financial institutions. These include XXXX, XXXX, and other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: GA

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX XXXX XXXX {$1200.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00}

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 2020-08-03 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: GA

Complaint narrative:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXXXXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX  XXXX XXXX {$1200.00} XXXX XXXX {$180.00} XXXX XXXXXXXX XXXX {$0.00}

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 2020-08-03 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: MD

Complaint narrative:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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