vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
My husband and I had a lease with an end date of XX/XX/XXXX We were notified form the leasing office we needed a a 60 day notice letter regardless to move and, that was sent via email XX/XX/XXXX and was mandatory from the Building that we give them 60 day vacate notice regardless of lease end date which seems ridiculous as I would be able to leave on the date my obligation is up on the contract/lease. So our new move out date was XX/XX/XXXX. Upon moving out we were contacted later that we still owed rent for the months the apt was not rented. Pease also note they dramatically increased the rent during this time. they finally rented the apt after 5 weeks and are trying to hold us responsible for the rent in that interim. 

We are not rent responsible for anything beyond XX/XX/XXXX. We submitted a dispute and it was deleted XX/XX/XXXX. 
They replaced it on my credit report as of XX/XX/XXXX In the total charges there are rent charges and cleaning charges for move out charges we dispute as well, the cleaning fee of {$150.00} for the refrigerator which is highlighted at only $ XXXX- {$50.00} in our lease. Lastly we are disputing the {$400.00} parts fee for stovetop replacement as the stove was in that condition upon move in and its normal wear and tear it was in working condition and we were told that was normal for an electric stovetop. This company continues to harass us even though all paperwork was uploaded

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 2019-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NH

Complaint narrative:
My complaint is not that I cant pay my mortgage but that I have an escrow account and Shellpoint Mortgage Servicing has not payed my taxes we have called they said the taxes will be payed dont worry I have been down to my town hall 3 times and Shellpoint still has not payed my taxes yet. We have called Shellpoint 3 times and 3 times they said they were in the process of paying the taxes. Apparently they are lied since now I have to come up with around {$4000.00} dollars to pay taxes that I have given this mortgage company to pay or the state of New Hampshire is going to put a lien on my house this is unacceptable someone needs to do something about this mortage company how is this ok to take poeples money and not pay what they are supposed to pay. Thats what we pay them for. Shellpoint needs to be looked into cause if they go belly up I will be out a lot of money and Im sure other people will be too. Unacceptable!!! 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: NC

Complaint narrative:
I recently submitted an investigation request to Experian. They were supposed to complete their investigations and respond within 30 days. Well over 30 days have passed, and I have yet to receive my response. I've even sent follow-up letters that have also gone ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I am receiving overdraft fees due to low funds, long pending times for refunds, and other overdraft fees. My bank account is in the negative and I am having issues making it positive due to compounding overdraft fees.

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 2019-02-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX credit card with Citibank is reporting me as negligent and default in payment as a authorize user which I did not consent to. Now XXXX   has deducted approximately 10 points off my credit profile. I called XXXX customers service. I have requested that XXXX be deleted from my credit reports ie XXXX.XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent multiple requests to remove a fraud alert from my file .... I have been shopping for a mortgage and the lender/originators do not like to see the alerts on my file .... I am requesting again now through this agency that Experian promptly remove the fraud alert from my credit profile and any personal statements that may exist as well .... this is again another request to " remove fraud alert '' and " personal statement ''

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 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Recovery Management Solutions LLC
State: TX

Complaint narrative:
On XX/XX/19, I received a voicemail regarding a debt owed before legally prosecuting me. I used the information provided to contact a XXXX from RMS. XXXX ask me if I was aware any debt owe which I thought was strange. If you have a debt there with my name on it, RMS should be able to provide the information. I am a Fraud Victim that's taken me over 2 years to follow up on fraudulent accounts so I am very careful and proactive with important issue as this one. Although I was on a short break, I verified my Date of Birth which I usually will not do. I told her I did not have very much time but insisted on placing me on hold. I could not wait any longer but told I do not owe any debt that requires RMS services. The call made me very uncomfortable because she was so vague. I formally disputed any of there clients debt since she did not provide the information. XXXX stated a letter was sent to me over 45 days ago which is incorrect. This is the first I've heard of RMS so I further researched on RMS, I found they will send notification under a different business then collect under RMS. This is done to exhaust the 30 days deadline to dispute the debt.

I do not believe RMS sent a letter to me 45 days ago and using this tactic as a form of Harassment. I did not receive any notification from RMS and never heard of them until XX/XX/19. 
I have no clue what the debt is nor do I know anything about RMS!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: FL

Complaint narrative:
Please see attached fraudulent inquires that I am disputing on my credit report. I have received several notices regarding security breaches that I believe are responsible for this activity on my credit report. I am requesting for all three credit bureaus to remove this inaccurate information from 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 non-monetary relief
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Credit Services, Inc.
State: GA

Complaint narrative:
Since XXXX my taxes were taken or withheld because of a student loan i didn't take out. I never recieved a letter or notification about this loan until after it was deducted from my taxes. However the loans that i did have were being paid off and as of XXXX were paid off completely. I have documenta for proof. I tried contacting collectors and they kept asking for my social security number. Then said they didnt see a loan on my account then proceed to put me on hold. And eventually hung up on me. This was in maybe the beginning of XXXX. I called again asking them to send me information about this loan and they refused unless i gave them my ssn. Since then i havent recieved a notice from the collect but still the next year my taxes were taken or withheld again. This is a fraudulent loan that i need to get rid of. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07 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: MA

Complaint narrative:
On XX/XX/XXXX I received an electronic notice from Experian stating that I had a delinquent credit account with XXXX XXXX. I have a car lease with XXXX XXXX that had its last scheduled payment due XX/XX/XXXX. But I did not understand what that delinquent credit could be referring to as I have always paid my lease payment of {$810.00} on time through an autopay account. 

That evening I checked my mail and discovered I had a letter dated XX/XX/XXXX from XXXX XXXX   stating that I owed {$1300.00}. Given that I still had one more payment left I called XXXX XXXX to understand what the owed amount was related to. According to XXXX XXXX, when I registered my car in Massachusetts in XX/XX/XXXX ( I had initially leased and registered the car from a dealer in New York in XX/XX/XXXX ) my lease payment had gone up by {$50.00} a month due to increased taxes in Massachusetts. The roughly 20 months of incremental $ XXXX monthly payments I had missed plus penalties and interest were worth {$1300.00}. 

I explained to XXXX XXXX that I was never once told of of the increased payments. XXXX XXXX  has my address, my phone number and my email address - I never received one notification as to the increase in payments, nor a notice of a late payment. To have received my first notice that anything was amiss 20 months (! ) after the increase in payments began strikes me as ridiculous. While I am upset about the increased payments which I did not know about ( made worse by the fact that I spoke to XXXX XXXX   numerous times before I had to register my car in Massachusetts in XX/XX/XXXX as I needed several documents from them to register the car and they never mentioned anything about the increase in payments ) I am much more angry about that fact that by sending a delinquency notice XXXX XXXX  has negatively and quite unfairly impacted my credit score. It is clear from the fact I sent every one of my XXXX lease checks to date on time that the only reason I did not pay the incremental {$50.00} amount is because I was not aware of the increase in the first place. 

XXXX XXXX 's actions appear to be a sorry attempt to extract late fees and interest from me at the last minute before my lease expires. Worse, they have no compunction about hurting my credit score on  the way to doing so. I am writing the Consumer Finance Protection Bureau to assist me in getting this demerit off of my credit report. My account number with XXXX XXXX is XXXX. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Over the past two weeks I have contacted Equifax repeatedly to place a security freeze on my credit report. I have been repeatedly told that a system security update is being performed and that I must call back. I want to place a security freeze on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I Leased this car from Ally Financial for 3 years with the option to purchase at the end of the lease. towards the end of the lease I started calling the bank to ask for the option to purchase the car because I wanted to keep the car. They started running my credit every time I called them and begged them to please sell it to me because that was the only transportation I had to go to work ( See credit inquire history attached ) Once they noticed that the amount owned in xtra miles was greater than the value of the car in XXXX   XXXX, Ally started demanded me to pay the amount owned in xtra miles. I was forced to go get another car loan to have transportation to go to work. On XX/XX/2017 After trying multiple times to get financing through different car dealers, I ended up in the XXXX dealer and when they run my credit and search for financial institutions one of the banks that came back offering me a car loan was Ally. Same bank that totally denied me the option to purchase the car I leased from them because of my bad credit was willing to finance me my new car loan. I fell that I was victim of FRAUD with this bank. Plus because all the multiple inquires I was forced to take a 16 % interest rate on my new loan. The government shouldn't allow this companies to still from their good clients. I was offer a Lease with a purchase option and they did not comply at the end of the contract.

This should not be affecting my credit because I comply with every payment until the end of the contract.

I really hope I find someone that will legally educate me as to what my options are to get out of this problem since I comply until the last payment. Ally Broke the contract by denying the option to purchase the car at the end of the lease as they had promised when I got it. How can they call this Lease with option to buy? don't let them fool you.

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 2019-02-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate 16 errors on my credit report. Over 30 days have passed, and I have not yet received a response. They are required, by law, to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: NC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate 16 errors on my credit report. Over 30 days have passed, and I have not yet received a response. They are required, by law, to respond within 30 days.

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 2019-02-07 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: NC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate 16 errors on my credit report. Over 30 days have passed, and I have not yet received a response. They are required, by law, to respond within 30 days.

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 2019-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: VA

Complaint narrative:
i have sent copies of my XXXX XXXX XXXX to i c systems and the credtor is XXXX XXXX XXXX XXXX  for XXXX which is 100 % paid for by the XXXX XXXX  and i have sent them everything and they still won't take it off my credit report and it was opened on XX/XX/XXXX XXXXand it was reported on XX/XX/XXXX i need it taken off my XXXX credit

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 2019-02-07 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: UT

Complaint narrative:
After dispute, nothing changed. They are falsely reporting a XXXX bill that should NOT be on my credit report, and based on their own information, shouldn't be reporting.

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 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARC Management Group, LLC
State: NC

Complaint narrative:
A collection agency named ARC Mgmt Group, has just reported two collection accounts on my credit report. One is for {$510.00}, and the other is for {$480.00}. Prior to reporting these accounts on my credit report, I did not receive a notice of my right to dispute. If I had, I would have certainly contested the debts, because I feel they are not owed. I spoke with their reps, and told them it was illegal to report the accounts without first providing me with a 30 days notice to dispute. They told me that they didn't have to. When I cited this statute in the Fair Debt Collection Practices Act, they claimed that it does not apply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: Perfection Collection
State: NY

Complaint narrative:
On XX/XX/2019, I received an email from XXXX  that a new addresss was being associated with my social security. I immediately viewed my credit report and noticed a delinquent account that had gone to collections. The collection company is Perfection Collection and they bought the collection from XXXX. XXXX is a home security company. My credit report shows an address in XXXX, GA. I have never lived in XXXX. On XX/XX/2019, I called XXXX and XXXX  and requested freezes and fraud prevention bc of the new address and the account. I even filed a police report with the belief that this was fraud. 

I also contacted the collection company. In speaking with them, they advised me that XXXX had installed a home security system at the home with the address now being used on my social. The account had been opened several years ago but recently went unpaid. This made no sense. The collection company advised me that they would delete the account from my credit report given that it was not me and that I did not open the account. XXXX  immediately removed the account from my credit report. However, XXXX  has refused to remove the account. I have attempted to dispute not only the charge but the new address with them on multiple occasions. Following my conversation with Perfection Collection, I did a search of the property address and the owner of the property is XXXX XXXX XXXX. My name is XXXX XXXX. Further searching I was able to determine that she is a XXXX year old, XXXX XXXX  woman. I am a XXXX year old, XXXX woman. Clearly, the collection agency made a mistake with the social security numbers given how close our names are. The tax record from XXXX also shows the owner of the property as XXXX XXXX XXXX. I have submitted proof of my driver 's license, the property record and the email from the collection company telling me the account has been deleted yet they keep denying my dispute. My credit score has gone from an XXXX to a XXXX on XXXX. I have spent countless hours on the phone etc trying to get this rectified to no avail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Today, XX/XX/2019, Paypal sent me an email saying my account was limited. But I never set up an account with them. I used a website called XXXX and used a guest checkout. They have a box that you can check off that asks if yo want to setup and account. I didnt check the box, and they still setup an account in my name anyway. They did this without my permission and this is an invasion of my privacy.

Company response to consumer: Closed with explanation