vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CO

Complaint narrative:
I reported a " debt '' as fraudulent to American Coriadius International LLC ( ACI ). Whoever incurred this debt initially with XXXX didn't know how to spell my name correctly and used an email address that didn't belong to me. The amount was for {$940.00}. 

After investigating, they should have realized that this debt was not legally mine and dropped it. They never contacted me again. Instead of writing this off as fraud ( or whatever companies do when they deal with fraud and theft ), they sold this " debt '' to another collection agency to harass me more. They did this either with the knowledge that this debt was fraudulent or without following up on my report that it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: IL

Complaint narrative:
I recently recertified for my income based repayment plan. In the last two years the company has solely been going by my income, because my husband doesn't have student loans, and using my son as an dependent. In the last two years my payment was $ XXXX/month. My new payment after recertification is XXXX, the letter determination was for XX/XX/19. I called today, XX/XX/19, to ask why my payment amount had gone up, I was directed to the IBR department where I was accused of lying on my other applications and that only this application was accurate. When I asked what caused the change I was given no answers and was told my application couldn't be discussed. I'm not sure how I'm supposed to correct an error when I don't know what was wrong. I'm not a loan officer and I wouldn't know what I answered wrong this time. I was told to go back and look at the application. I did it through their website but a copy isn't there. My income hasn't changed since the first application I haven't worked except holiday positions because I stay home with my son. I hate trying to find answers and they choose to be ambiguous and not be helpful. My family can't afford student loans. My first year on the plan their were XXXX people in my household because we were taking care of my husband 's niece and nephew and received survivor benefits for them the second year my son was born and our household size shrank to XXXX because our niece and nephew no longer live with us and it has been that many in our household since. I have never lied on my application and I don't appreciate the associate accusing me of not being truthful on previous applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service
State: MA

Complaint narrative:
To whom it may concern, I am having an ongoing problem with Military Star over an account that I disputed with them, requesting information and sufficient tangible documentation in order to verify and validate the debt owed. The matter was resolved when it was removed from my credit reports due to the company not providing adequate information in a timely manner. 

The account then popped back into the credit bureaus without any notification to myself as to its reinsertion or documentation related to the original dispute. Again, I dispute the item and the company does not provide an in depth investigation and simply marks the account " meets FCRA requirements '' which it surely does not because it fails to document me. It has failed to do so on numerous occasions. 

I am asking this agency to assist me in this matter and provide oversight which in my considered opinion it needs. The account is reported as closed and also as open. I don't understand what this company is doing. I have tried numerous times to dispute the debt, which I stand behind being grossly inaccurate and not mine and have this company continually changing information even after it has been removed. Violating the FCRA by putting information into my consumer credit file that is not verified via documents and generally giving me the run around every time I ask for clarification. 

Please assist me in this matter.

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 2019-12-06 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: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I settled my charged off account in XX/XX/2019 with Personal/Mariner Finance. The balance on my credit reporting did not changed and still showed a owing balance of {$3800.00}. After filing a dispute with the credit bureaus the balance only decreased to {$1400.00}. This account was settled in full and Personal/Mariner Finance is inaccurately reporting the balance on my credit report and is violating the Federal Credit Reporting Act. I do not owe a balance to this company. The account should reflect a {$0.00} balance on my credit reports.

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 2019-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ) I have the right to request validation of the debt that you say I owe you. Your offices have failed to provide any information tying this debt to me. I have yet to receive any proof of documentation that proves that there is some contractual obligation that is binding me to pay this debt. Your offices have continued to report invalidated information to the three major credit bureaus and in such, this may constitute fraud under both federal and state laws. I have disputed these claims and your office is telling me that this is mine. How is that? If anymore action is taken that is considered detrimental to any of my credit reports, I will seek legal counsel. Once again, please provide the following : Please identify the original creditor. 
Please provide the original contract from the original creditor and I showing my signature. 
Please provide the assignment contract between your office and the original creditor. 
Proof of licensure to collect in the state that I live in ( TX ).

Provide line by line accounting of the original account.

Proof that you are in compliance within the statutes on limitations for the state that I reside ( TX ).

If the debt that you say I owe cant be validated, then I ask that you remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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:
The three credit reporting agencies which are Transunion, XXXX, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX   XXXX. I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

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 2019-12-06 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: VW Credit
State: VA

Complaint narrative:
Leased a vehicle at an Audi Dealer in XXXX, VA ( XXXX County ) with Audi Financial Services ( AFS ). At the end of the lease ( XX/XX/2019 ) the car was returned with no damage and significantly under the lease mileage. Dealer accepted the return and told us there was no other charges, our lease is over and the vehicle was accepted. Six weeks later we received a {$350.00} lease termination fee from AFS, which was in the contract but we assumed was waived. The bill was marked as a lease termination. We paid the {$350.00}. Over 6 months after lease end ( XXXX ) we received a bill from Audi Financial Services for {$320.00} marked personal property tax ( attached ). After several calls we got through to someone who could answer a question about the charge. The AFS agent told us that it was a bill for 12 months of personal property tax ( all of 2019 ), despite the fact that Audi had the car since XX/XX/2019. He said that they may be able to prorate it if we wired them the money ; however, they would not provide a revised invoice or detailed explanation for the {$320.00}. Per the agent they are passing on the amount of full 2019 personal property tax bill to us. Personal property tax was billed by XXXX County to AFS as the vehicle owner. They explained we could get " money back '' from XXXX County and asked us to contact XXXX County, despite the fact that we didn't own the vehicle nor get tax bills from XXXX. Our AFS account no longer showed our detailed payment history since our account " was closed '' at the end of the lease per the agent. We requested additional detailed payment history ( attached, but not very detailed ). We escalated the call to a manager and they refused to provide a new invoice nor waive the fee. They threatened to send us to collections instead of sending us an invoice for the prorated personal property tax fee. We checked our historical records and determined we payed AFS for prior 3 years of personal property during the lease ; however, this {$320.00} was for the entire 4th year. AFS appears to be systematically overcharging XXXX County Residents by passing through taxes without proration. We contacted Audi XXXX support and over the course of several weeks they attempted to get resolution via the dealer network. Audi XXXX was unable to waive the charge, claiming Audi is different company from AFS. Audi didn't stand behind their lease.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Once again I have to submit a complaint via this channel because you REFUSE to assist me on the phone or the website! My payment was due on XXXX. I always pay online but this month you have a new website and it says a " You can not make a payment at this time call a phone number. I called that number and get someone in a foreign country. I tell them I want someone in the US and I get an argument. I call back again and eventually get XXXX. She says she'll take the payment but it will cost {$17.00} to do it over the phone. Then it's {$7.00} because the website doesn't work. When I do it on the website it's FREE! She finally agrees to do it for free but then wants to apply it to the wrong loan. I have a home loan and a HELCO. She wants to apply it to the home loan which has already been paid for the month! I then call XXXX, who I had spoken with previously because of another issue. He's never available. I leave 2 messages. 2 days later and I don't hear back. I look at the complaint I filed earlier for the same time of issue and find the name of XXXX and a different phone number. I call that number. Message says that XXXX isn't available and sends be back to the Customer Service queue and it goes to someone in a foreign country AGAIN! I end up hanging up because he starts arguing with me! ALL I WANT TO DO IS MAKE A PAYMENT!!!! This is the second time I haven't been able to make payments. Every day that goes by the interest on a HELOC is continuing to add up. I really think this is a way for PHH to make additional money. If they can make it impossible for people to pay then they can continue to charge interest on the outstanding balance! With all of the loans they have this would add up to a lot of money real fast!!!!! I have had this loan with them for less than a year now, it was transferred from Ocwen. In less than a year I have had issues with payments for 4 months now. I have had issues with them and my home owners insurance. PHH claimed that the insurance policy didn't have the correct loan number on it, however, when I used PHH 's automated system it immediately pulled up all of the insurance information. At some point someone needs to step in and get these people in line or shut them down!!!! Unfortunately, the ONLY option the consumer has is to refinance and then there are all of the closing costs which must be paid so it makes it much more expensive! I can't believe that it should be this difficult to just make a payment on a loan!!!!!!!!!!!!!!!!!!!!!!!!!! Absolutely absurd!!!!!!!!!!!!!!!!!!!!!!!!!! I just tried to take a screen shot of the message but now you can't even get in to the site!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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:
The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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:
The three credit reporting agencies which are XXXX, Experian, & XXXX have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( Experian, XXXX, & XXXX   ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

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 2019-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I notified XXXX who confirmed to me that I only have three loans with them, not 4. But my credit report has 4 listed. I have loans for $ XXXX $ XXXX {$600.00}. The loan for {$2200.00} should not be on my credit report. I am trying to keep up a good credit rating and am angry that no one will get this corrected for me.

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 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Hello CFPD, My original loan in XXXX was with XXXX not XXXX. 

Mr. Cooper has XXXX many times on their documents. 
This is a Huge error on Mr. Coopers part for an Enormous Mortgage Loan on my Home! 

They have had the incorrect name ( XXXX ) on several pages of their documents!! 

I have been trying since XXXX to get a modification, from day one it was with XXXX  XXXX XXXX after they took over the loan from XXXX. Then Nationstar took over my loan from XXXX  XXXX XXXX. 

I have been on my property for 42 years! 
I still have children at home that are in school! This is their home our home of many years! 

I was under Extreme Total Duress to sign the Modification from Nationstar in XXXX, that the clock was ticking and I was informed to sign or the deal was off the table! 

I totally feel I was setup to fail! Mr. Cooper knows my financial status! 

I feel Mr. Cooper is trying to cover up a Bad loan I signed in XXXX with XXXX. 
Mr. Cooper is stating that it was with XXXX! 

I have documents attached to prove it was with XXXX. 

Mr. Cooper is referring to an ARM loan, which there was a class action suit against the ARM loan I was given in XXXX by XXXX. 

Again I have been on my property for 42 years! 

Thank you for all you help! 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX, I received alerts that a collection account was added to my XXXX credit report. This account does not belong to me. I informed the hospital ( the original owner of debt ) that this was not my account. The account belongs to my daughter whose mom is responsible for financial matters as she has sole legal custody. It was supposed to had been resolved prior to XXXX with hospital. I faxed a letter and emailed the collection company with the statement and a copy of custody papers. I also requested a GUARANTOR form which showed ownership of account. I have not signed a GUARANTOR account for any medical bills involving this minor. I have yet to hear back from the collection company. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have a Lowes Consumer Advantage credit card run by Synchrony Bank. 

On XX/XX/19, I made a large purchase of a set of windows totaling {$840.00} using a promotion marketed as 6 months special financing. The deferred interest terms can be found on this web page : https : //www.lowes.com/l/Credit/special-financing-tandc.html I spend many thousands of dollars of purchases every year at Lowes so this was one of my many purchases ; however, I normally pay my Lowes credit card balance off in full every month in order to avoid interest. However, after making this special financing purchase, I called Lowes ' credit card customer service to verify how much I needed to pay every month in order to avoid any interest charges and was told that I could pay the full statement balance less the purchase amount for the windows, which is {$840.00} ( unless the only thing I owed was for the windows, in which case only the minimum payment would apply ). So, this is exactly what I did. 

The first bill I received due XXXX, there were no interest charges. However, with the second bill I received due XXXX, there was a small amount of interest charged. I called Lowes credit card customer service again for an explanation, and there was no real clear explanation given, just that " credit card companies charge interest - that's how it works '' LOL.  I am a XXXX XXXX by profession so I have a full understanding of how interest works. It seems to me that Lowes is charging interest based on the additional interest I would have accrued if I didn't pay this {$840.00} balance off in 6 months, the amount described in the statement as " Balance Subject to Interest Rate '', which grew to {$860.00}. Although the amount of interest was small, I am reporting this as fraudulent credit card company activity because it seems they are charging and collecting interest based on a future projected balance, which is unethical and unfair to unsuspecting consumers. If this is not where the interest is coming from, then I don't know where it is coming from since I paid the rest of my balance off in full.

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 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation