vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: IA

Complaint narrative:
XX/XX/2014 I signed a lease for an apartment at XXXX XXXX in XXXX XXXX IA. I had tried to get them to show me the apartment I would be getting that whole week, prior to me signing a lease. The first time I had gone to look at this complex, they took me to a model unit. I had asked if my apartment would look just like that. It had all new cupboards, counters, carpet, paint etc. The model was immaculate. The day I signed they scheduled me for the last appointment for the day and rushed me through the process, not giving me a walk-through of the apartment I would be getting prior to signing. They gave me the keys, I drove to the apartment, walked in and was so devastated to say the least. It was awful! Nothing like the model unit. It had gross closets with mold, the place smelled musty the cupboards and counter tops were old, the carpet old, the deck looked like it would fall apart if you stepped on it ... I drove back to the office to give them the keys back but they had closed and locked up already. I called and left a message that I would not be renting from them and would be returning the keys in the morning. I had everything lined up to move and nowhere to go. They caused me so many problems and money by fraudulently getting me to sign that lease. I had to pay for the moving van that I didnt use that day and find another place to move at the last minute. I recently checked my credit which is how I found that I still have this collection acct showing active/open with a balance of {$3000.00}. This is over 5 years old. The collection company listed is Rentdebt automated collection. I am reporting XXXX XXXX for their unfair practice, for this erroneous collection amount. I will be sending a letter to the credit bureaus demanding they remove this collection account. I'll file a complaint with the Consumer Protection Division of the Iowa Attorney General 's office and will be sending a registered letter to the apartment complex owner demanding they remove this debt and show as satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Company - LVNV Funding LLC Date - XX/XX/2019 Amount - {$150.00} I have made several attempts to get in touch with LVNV Funding LLC but they are unreachable. I have exhausted all my efforts to get in touch with the company. My account was paid, however, it remains on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I had a XXXX  XXXX XXXX credit card on which I had a first late payment in XX/XX/XXXX. The account was closed by XXXX XXXX XXXX and referred to XXXX XXXX XXXX XXXX. While I eventually paid the full balance due, the closed account was continuously late from XX/XX/XXXX to XX/XX/XXXX. This account continues to show up on all three credit bureau reports. Because the date of first default is more than seven years  ago and the account was in collections, the entire account should by now be removed from my credit report. 

I filed a dispute with TransUnion and received notification that XXXX  XXXX XXXX had confirmed the account as accurate and is reporting it as late from XX/XX/XXXX to XX/XX/XXXX. It does not show the earlier late payments. 

I contacted XXXX XXXX XXXX 's Credit Card Department. The employee informed me that he also saw that the account should be removed from my credit report but transferred me to the Collections Department for further assistance. The Collections Department Employee told me that they do not keep records going back that far and was unable to locate my old account for further assistance.

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 2019-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Reference complaint XXXX which has been incorrectly closed. I posted a follow up comment but not sure it will be seen since complaint is closed. 

I have a XXXX MM account with Capital One. On XX/XX/XXXX an unauthorized withdrawal was processed via online banking in amount of {$6500.00}. I contacted Capital one on XX/XX/XXXX so that it could be resolved. On XX/XX/XXXX a deposit was made to the account for {$6500.00} and an interest credit of XXXX cents was deposited on same day. {$6500.00} * 2 % * 1 day / 365 days = XXXX cents ... .so interest for one day. When on the phone on XX/XX/XXXX I confirmed with the customer servicer rep that it was for only one day ... .but the funds were missing from my account for 4 days. I asked why it was not put back in the account effective XX/XX/XXXX when it was removed rather than XX/XX/XXXX and did not get an answer. 

What happens to the interest I should have earned on each day in XX/XX/XXXX when funds were missing from my account? I have called a number of times since XX/XX/XXXX thinking this would be resolved but it has not. on XX/XX/XXXX I received by US Mail a letter saying the XXXX interest was correct and it was properly credited to my account. It says the interest for XX/XX/XXXX - XX/XX/XXXX is  included in the interest amount credited. Clearly it is not. 

I started keeping records of phone calls on XX/XX/XXXX at which time I spoke to XXXX and asked to be escalated to a manager - and then spoke to XXXX. I asked for another escalation and spoke to XXXX - all assured me it would be properly addressed. 

On XX/XX/XXXX I spoke to XXXX and was told an email was sent to me on XX/XX/XXXX but I never received an email from Capital One. I asked to be escalated again and spoke to XXXX. I asked for them to show me the actual calculations to prove that my account was properly handled and have not received anything showing me it was correct ... only info saying it is correct. I asked for a reply in writing - which is the letter received on XX/XX/XXXX. 

So - we are back to square one. No one at Capital One thinks anything wrong has been done but they are not able to document or demonstrate anything substantive proving their case. 

Still waiting ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One is cancelling my spark card which pays 2 % rebate on all purchases everyday as advertised by them. They are forcing me to replace it with another card that does not fit my needs. They have told me that I am a high volume user of the card and that they are losing money by paying me the 2 %. They have doubled my credit limit but will not pay the 2 % on the new card. I am being singled out as many of my friends and customers use this card and they are not being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I received a small business loan from XXXX XXXX XXXX XXXX in XXXX. The loan was secured by my house as collateral. XXXX XXXX XXXX  was acquired by XXXX XXXX in XXXX. I paid off the loan in XXXX. Although the loan number has changed over the years due to BMO acquiring XXXX XXXX XXXX the original loan was never discharged or recorded as being paid off. 

The original loan is still showing as a lien against my house which I'm trying to refinance with XXXX XXXX ( BMO currently has the mortgage ). I've tried contacting BMO about discharging the original loan. I've made many phone calls and related my situation to at least 3 different people. I have a rate lock with XXXX  expiring on XX/XX/XXXX. I've already lost {$1000.00} due to the delay of closing my new mortgage and now I might have to settle for a higher interest rate which will cost me even more money. BMO has been unresponsive to my situation. The last conversation I had with them was at XXXX on Friday, XX/XX/XXXX informing me that the person I was speaking with couldn't help me because it was a business loan and I had to contact their business lending department. Everyone I've spoken with was told this was a business loan. WHY DID IT TAKE A WEEK AND 6 PHONE CALLS FOR BMO TO TELL ME I WAS TALKING TO THE WRONG PERSON? This is now a time-sensitive issue caused by BMO 's incompetence and negligence in not discharging my loan over 6 years ago.

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 2019-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliant Capital Management LLC
State: FL

Complaint narrative:
A man with XXXX XXXX XXXX called me from phone number XXXX and ask to speak about a potential relative of mine named XXXX who is going to get a suit filed against her unless I could get her information. XXXX is my sister ... Now while he continued to harp on about a potential suit and the ramifications, I cut him off and let him know I collected for 20 years so I knew what he was saying was a false and illegal scare tactic. I also let him know that he should not have called me under the curcumstances of being a potential relative. He got mad and of course ended the call. This company is using bad practices and harassing potential relatives during business hours when potential relatives are working. Awful company that does not follow the FDCPA. I wish someone would tell these people you have better collections with honest practices ... .trust me I know. Also let them know they should identify the full name of the company when calling. I had to call back for answers. Another tip for this company is never assume you are smarter than the people you call spitting unlawful foolishness and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: TX

Complaint narrative:
Transunion, XXXX  you are here by ordered to remove this fradulent account at once. XXXX sent statement through the CFPB that this alleged account has a XXXX bal and this alleged account was removed from the past from you CRA 's the name was redacted for Hippa and privacy violations but the account number is stated look at the balance owed XXXX this should of never been re reported to you 3 CRA 'S REMOVE this at once this is there own omission and documentation .CFPB please look at these documents for statement of fact case 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 2019-02-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX you are here by ordered to remove this fradulent account at once. XXXX sent statement through the CFPB that this alleged account has a XXXX bal and this alleged account was removed from the past from you CRA 's the name was redacted for Hippa and privacy violations but the account number is stated look at the balance owed XXXX this should of never been re reported to you 3 CRA 'S REMOVE this at once this is there own omission and documentation .CFPB please look at these documents for statement of fact case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Triton Management Group, Inc
State: SC

Complaint narrative:
Received check in mail from XXXX XXXX for {$800.00}. Before the check could be deposited to my bank I had to call a number to get verification number. to activate check ... .Called, spoke to lady gave her additional information that she ask me about. Deposited check the next day. 2 days later checked my bank and they had had the check returned stating problems with endorsement. Called them, they could not find an answer, talked to my bank, they were confused as to why returned check. Then corporate office calls me and says sorry it was a mistake on our part. Gave no reason why. Then told me I would have to get all this personal information of mine and come to the store and give them all this to get check reissued. And that was the only way. Sounds funny to me. Sounds like that's the way they run their business. Making me have {$1200.00} overdraft with my bank. and now can't pay bills because of this ... I intend on complaining to everyone I can. This was definitely a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This is just a inquiry in trying to have delinquency hits removed from my credit history.

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 2019-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
1 ). I am the object of collection activity arising from consumer debt.

2 ). Select Portfolio Servicing is a debt collector as defined by the FDCPA.

3 ). Select Portfolio Servicing has engaged in acts and omission prohibited by the FDCPA.

Specifically the fact originator XXXX XXXX XXXX was not incorporated nor licensed to do business within the State of Connecticut at loan origination in XXXX, thereby violates Section 1692e of the FDCPA by using " false, deceptive or misleading representation or means in connection with the collection of any debt ''.

Secondly, even if the debt were legitimate, the Statute of Limitations well expired on any collection efforts ( XXXX - late XXXX ). 

And, finally, I have very good reason to believe the prior servicer, XXXX XXXX XXXX, received payment in full on said instrument. If this proves to be true then " [ t ] he false representation of the character, amount, or legal status of any debt, '' and " [ t ] he threat to take any action that can not legally be taken or that is not intended to be taken ', has been violated. 15 USC Section 1692e ( 2 ) ( A ). 

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 2019-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Account Control Technology, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, this account was reported to the credit agencies and added to my credit report as a collections account by Account Control Technology for a debt, in the amount of XXXX. On XX/XX/XXXX, I spoke with representative, XXXX of Account Control Technology. I advised XXXX that this debt was reported to the credit agencies in error and was discharged in bankruptcy in XX/XX/XXXX. There was no agreement from Account Control Technology to remove the inaccurate information from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: MA

Complaint narrative:
This goes on every other month with Transunion. It does not happen with the other credit bureaus. Every time my school loan increases due to interest accruing, XXXX drops my credit score ( 88 pts this time ), using the excuse that I may have missed a payment. However, my school loans are in deferment until XX/XX/19, so I do not pay until then. There answer to my inquiry about this matter was met with the scores are calculated based on reporting from my accounts. If that's the case, ALL MY ACCOUNTS ARE IN " GOOD STANDING ", and I've never missed a payment. Again, I don't go through this with XXXX or XXXX. I need to find out what the problem is with Transunion.

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 2019-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/XXXX I received notification from XXXX XXXX XXXX that my employment certification form for the PSLF program had been processed. However, despite the fact that XXXX agreed that I had been in qualifying employment for the entire certification period ( XX/XX/XXXX-XX/XX/XXXX ), there were two anomalies in the certification report. First, my payment history clearly shows that I made 17 or 18 payments during this period, but XXXX XXXX did not credit me with more than 10 payments during this period on any of my loans. Second, for some reason, even though all of my payments were made by auto debit, and should have been applied to all of my loans, some of my loans show 10 payments while others show 8. After receiving this perplexing report, I asked XXXX XXXX to review their findings, as they made no sense. Was told, on XX/XX/XXXX, that a manual review would occur. Each time I call, they tell me it's not done yet, and they have no information regarding when it will be completed. It is now XX/XX/XXXX ( 111 days after the review was initiated ), and XXXX XXXX still has not conducted the review, and still has no estimate for when it will be completed. This is completely unacceptable customer service, especially when the ability to plan ahead for PSLF is such a vital component of my financial planning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have tried several times on my account in order to be able to repay some money to another person. It was not possible, any credit card ( even prepaid ) I put them did not verify it. They blocked an account without even giving me the chance to give back the money to the buyer. It's XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I filed a dispute with my debit card company against an unauthorized charge for XXXX from Experian. The charge was reversed and the company was blocked. I recently filled out an application for a new rental and they requested a background and credit check. Experian then charged my debit card again for another XXXX without permission. 

The issue is that in credit card protections, I listed all my debit and credit cards for protection and they are being illegally charged without my permission. I have had to keep my cards maxed out and had one card replaced in fear of constant credit dispute. 

I have blocked this company and cancelled the service. Yet they persist in billing.

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 2019-02-19 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: eMoneyUSA Holdings, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX. The account is still showing active on my report and its not mine. This account is lingering on my account after I have let them know that someone in my old apartment complex has found my old Id with my social on it and refuses to give it back. Subsequently my taxes were compromised for two years and I am in the process of buying a home and this old account is prohibiting me from doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Threatening to put me in jail, some fantom company posing as the US government, the phone number is XXXX thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, Synchrony bank (XX/XX/XXXX) Interest charges me two times with very large amount, which I do not understand ; on XX/XX/XXXX {$2800.00} and XX/XX/XXXX {$1100.00}.

I called and asked yesterday, what are these charges for. Sadly, it was misleading promotional charges they added to my credit card.

I was on unemployment benefit last year XX/XX/XXXX- XX/XX/XXXX. 
Please help!

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