vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
My Husband and I lived in these apartments back in 2013 and when we went to move out, My husband verbally told an office employee and he was told that she would put in the paperwork and begin move out process. We had 60 days. When we came to hand in some things to the office, the manager said she never received anything from the other worker that we were moving out. That was around 35 days we were supposed to move and we already had a house to move into. Well, She told us that it was ok that mistakes are made and she understood. Then we get a bill from a collection agency that we owe two months rent for breaking our lease. We absolutely did NOT break our lease. Not that this would matter, but this manager has done this to others we have know in that apartment complex. This is now a negative remark on our credit and a debt over XXXX that we do not owe. That company has always been very suspicious to us when we lived there. Everything that we requested while living there was always verbal, never had to fill things out. We should no AT ALL owe this. Very unfair and it needs to come off our credit. I have also disputed this with credit companies as well and nothing ever happens. I am aware that there was a blind broken and a hole that i believe they added to that bill, and i will be more that willing to pay for those.

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 2021-03-03 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: CO

Complaint narrative:
XXXX XXXX should not be reporting to Experian and XXXX  that I was ( 30 ) days late in XXXX, XXXX on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) On XX/XX/2020 I sent a letter to the XXXX XXXX Dispute Center ( please see attached for reference ) and requested they withdraw the negative credit information reporting. I outlined in detail the facts surrounding our lease return of the vehicle. The return of the vehicle had been accepted with no issues. During the entire term of my lease on the vehicle there was never any missed payments. The lates that XXXX is reporting is for a missing key payment, which I specifically addressed in my letter to the XXXX XXXX Dispute Center. I was not aware that XXXX had reported this account late until I obtained my most recent copy of my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried on multiple occasions to reach a representative at XXXX as well as the bureaus to remove these lates however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this false reporting is causing a hardship on my family to obtain a home mortgage loan. I graciously request, again, that these lates reporting be removed.

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 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I made a cash deposit to cover a check that was going to go through and chase bank held my CASH deposit and rejected the check that went through. The check they rejected caused {$120.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IA

Complaint narrative:
I was contacted by XXXX to collect a debt I already paid. Spoke to XXXX XXXX. She stated that a judgement against me. I called back spoke to XXXX XXXX he stated to fax my paperwork. XXXX then called me back to say there was no point. Don't call their office. Hung up on me. The phone number is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I like to file a dispute for unidentified items on my credit report for the following : XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. from my credit report. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
Freedom Mortgage collected {$2800.00} as prepaid property tax payment for XXXX in section F of closing disclosure but then never discharged as a tax payment. Trustee 's office recorded only one payment by previous servicer, XXXX XXXX  on XX/XX/XXXX. This money is sitting collecting interest as part of the loan for no reason at all. I want it back with a credit for undue interest as a check or put back in escrow to be discharged as an overpayment at the end of 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 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
I was alerted by XXXX, XXXX, and XXXX  that the collection agency by the name of Receivables Performance management added a file to my credit report. I have called this company multiple times and have been hung up on and cursed at. To no avail that have not done anything. I do not have a signed contract/ and or account with this company. Also this company is not bonded and or licensed in the state of Michigan to collect debt owed. It is illegal in Michigan to try and collect anything and you are not registered with the state.

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 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS grossly violation RESPA regulations by sitting on a short sale request for months to time out the file that was being service released. Everything should of been submitted to the investor back in XXXX of 2020 but SPS kept asking for something that was never needed because of the incompetence of one person in underwriting who didn't understand that an HOA doc release fee isn't part of past due HOA dues.

Now the new servicer SN Servicing is trying to renegotiate fees that were already negotiated with SPS. This is unacceptable. I demand SPS take back the loan and complete the short sale request that they should of completed 2 months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Called Bank of America on XX/XX/21 to inquire what types of hardship programs they available during covid 19 hardships. The only program they have is to defer ur payment for one month. They are not willing to work on lowering the interest rate or the minimum payment amount due and they dont have a 6 or 12 month program for hardship they have nothing except the one month payment deferral. Which makes it difficult to pay ur bill when u are in unemployed and still have not received any payments from the unemployment office because its Pa unemployment

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 2021-03-03 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: MI

Complaint narrative:
I have found myself with extra medical bills following XXXX treatment and Navient will not allow me to ask for a forebearance while I get these medical bills paid. 

They call me 4 or 5 times a day about a payment that is not over 30 days overdue. 

I also will be anticipating some additional medical bills on an unrelated diagnosis that will push my further behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX should not be reporting to XXXX and Transunion that I was ( 30 ) days late in XXXX, XXXX on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) On XX/XX/2020 I sent a letter to the XXXX XXXX  Dispute Center ( please see attached for reference ) and requested they withdraw the negative credit information reporting. I outlined in detail the facts surrounding our lease return of the vehicle. The return of the vehicle had been accepted with no issues. During the entire term of my lease on the vehicle there was never any missed payments. The lates that XXXX is reporting is for a missing key payment, which I specifically addressed in my letter to the XXXX XXXX Dispute Center. I was not aware that XXXX had reported this account late until I obtained my most recent copy of my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have tried on multiple occasions to reach a representative at XXXX as well as the bureaus to remove these lates however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this false reporting is causing a hardship on my family to obtain a home mortgage loan. I graciously request, again, that these lates reporting be removed.

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 2021-03-03 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: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due and this incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, XXXX  and Experian  removed my correct address at XXXX XXXX XXXX, XXXX, Ca XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX by mistake and I need the address, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXXd placed back on my credit report. The correct and current address is XXXX XXXX XXXX, XXXX, Ca 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 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX The guy name XXXX sent me the amount of XXXX by XXXX XXXX by accident, and he called me to beg me to return the money to him because he have to pay rent and he doesn't have enough money to pay for it. So i told him to wait until I talk to my Chase bank. 
On XX/XX/2021 XXXX called me again to ask me to refund money to him, so i call me Chase bank and ask the Chase Agent to see if it's ok to send back the money to him. The agent told me It's ok to refund it to him because the payment when through and clear. I asked the agent, are you sure about it? Because i don't want XXXX dispute the first transaction after i send the money to him. The agent to me that's he sure about it because It's electronic payment so there is no way he can dispute it. So i sent back XXXX to XXXX. 
On XX/XX/2021 I check my Chase bank account and i saw XXXX disputed for another XXXX. So i contact Chase and they said, they will do the investigation. 
On XX/XX/XXXX, i received an letter said the payment was correct and there is nothing they can do about it. 

So i contact XXXX to ask him to return the dispute money back to me, and then we found out XXXX already cancel the dispute after i sent the money to him on the XX/XX/2021. But XXXX and Chase still took my money. 

XXXX never receive the dispute money and the money never deposit into his account. We called 3 line with XXXX to talk about it but they can not do anything. I also contact Chase bank multiple times regard this problem but they can not help me. 

Right now im lost XXXX and we don't even know where is my money. Please help me to solve the prolem. Im so stress out when i call Chase and XXXX with no help at all. 

Chase and XXXX stolen my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am sure this will involve XXXX  and XXXX, but Equifax has been a problem forever. I recently refinanced my home and also paid off my second mortgage and 2 auto loans. I have no alternative but for the accounts to close once they have been paid off. However, a drop of 66 points is just wrong. How am I supposed to improve my credit score? I have NEVER been late, my credit card balances DECREASE EVERY MONTH, yet I get dinged 10 % for closing an installment loan that has been paid off. I have tried to contact Equifax, but they offer not contact information and it is an endless loop of " contact an agent '' which brings me back to the same FAQ page. Is there nothing I can do about this? What is the incentive of paying off loans when the last payment is due if it is going to affect credit? If I get a loan now, I will have to pay a higher interest rate due to the decline in my credit score fro XXXX to XXXX. If anything, it should have gone UP. Equifax lowered my score 66 points, XXXX lowered it 46 points. What is the difference? There is nothing I can do about this, is there? Why bother with paying my bills on time? This is so wrong, and something needs to be done about it. I am livid. I did all of this to increase my score, but now I could file bankruptcy and probably have a higher score. Bunch of XXXX. Do something about this. Now, the loan I was going to renew will be much higher. Thanks for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am a venmo customer that has never had any delinquencies on my account, and my account has always been in good standing. I mostly use the venmo app to pay babysitters. On Sunday, XX/XX/XXXX, I mistakenly sent {$300.00} to the wrong venmo user. I almost immediately realized what I did, made another {$300.00} transfer to the correct venmo user and then contacted venmo to request that the first {$300.00} transfer be canceled due to my own mistake. I was asked a series of questions and provided all of the answers but was told that it would take 24 hours to get an answer about my refund request. 

Later that evening, venmo emailed me to say that I needed to contact the person that I mistakenly sent the money to and request that they return it to me. I found this strange because the {$300.00} had yet to be taken out of my bank account, but I did contact that person. He told me that he would gladly give the money back to me because it wasn't intended for him and that he had not even used his venmo account for a couple of years. 

He then tried to send the money back to me via venmo but his account was frozen. He then told me that he would call venmo and ask that the money be returned. When he called venmo, he was told that the money would not be returned because he owes venmo money so venmo was keeping the money I mistakenly sent him to collect the debt he owed. He told venmo over and over again that I did not intend to send him the money but venmo did not seem to care. 

When I found this out, I contacted venmo and explained that I was sorry that the person owed them money but that it is not my job to help them collect their debt, and that my mistake shouldn't mean that venmo can keep my {$300.00}. The series of venmo agents I spoke with ( including a supervisor ) said that there was nothing they could do and that I was most definitely not going to get my {$300.00} back. I told them that I would file a dispute with my bank and they said that if I were successful in doing so, venmo would freeze my account and then come after me to collect the {$300.00} debt that I will then owe them! 

This is a very anti-consumer policy for venmo to have, especially during a pandemic. Venmo takes money that a customer mistakenly transferred and refuses to return it because another customer owes venmo money? My hard earned dollars shouldn't be used to help a corporation collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XX/XX/2016 verizon sold me faulty phones and the service was not working we returned the items and proceeded to cancel and in doing so they had agreed to let us out of our contract but instead put us into collections illegally. They then sold that debt to jefferson capitol who reset the clock on the time the debt had been occurred forwarding the clock a whole year. Because we returned the product and canceled within the 30 day period we dont owe XXXX and they charged us a {$300.00} cancelation fee which is illegal breaking a contract, somehow XXXX is now {$600.00} not sure how thats possible but this fraud and anyways they could not fulfill the contract because they didnt service our area and the phones didnt work because they couldnt provide service when we put our sim card in it said no service. I do not owe any debt to jefferson capitol and they have refused to provide any information proving this debt is even valid, dates, amount ect even after sending them a request for validation. 
Regardless the statue of limitation is 4 years in florida to remain on a credit report which transunion and other credit reporting agencies are in violation of because they refuse to remove this zombie debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Title365 Holding Co.
State: TN

Complaint narrative:
{$2800.00} was incorrectly and unnecessarily collected by Title365 at closing of this refi as prepaid by loan servicer, XXXX XXXX, to be paid as property tax to XXXX County for the XX/XX/XXXX year. Section F of Closing Disclosure. 

However, after calling the XXXX County Trustee 's office it was reported that only one payment was received by previous mortgage servicer, XXXX XXXX, on XX/XX/XXXX, as all mortgage servicers probably do for this county in advance of it being due. 

This money was collected by Title365 and never used for what it was meant for. My loan is collecting interest on this for no reason. I want all of the money back with a credit for the undue interest as a check, or added into escrow to be disbursed as overpayment later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: AL

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified and inaccurately reported collection account : XXXX XXXX XXXX  Account number XXXX that was reporting a different date of last activities and XXXX XXXX Account number XXXX that is still in dispute after 60 days. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about thes 2 unverified accounts as of today. Thank 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