vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have never made a late payment on this account since I opened it in XX/XX/2006. I got an alert through my XXXX XXXX app that I was late but had no clue I had a bill due as I haven ' used it. 

I immediately called and paid it off to XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I.Q. Data International - FAILURE TO ACT IN ACCORDANCE WITH FDCPA ( 809 1692g ). 

I.Q. Data International contacted me by phone on XX/XX/19, asserting its authority to collect debt payment of {$980.00} for residential move-out charges billed by an original creditor - XXXX XXXX XXXX, XXXX XXXX XXXX, CA ( part of XXXX real estate holdings ). I previously asserted to XXXX XXXX / XXXX that the move-out charges are unwarranted per our lease contract, that the apartment management did not fulfill its obligations under California Civil Code 1950.5, and that the security deposit amount in their calculation is inaccurate. 

We have received no written verification of this debt from I.Q Data International at the correct addresses we provided to both I.Q. Data International and the original creditor. 

Debt verification requests were made by phone on XX/XX/19 and also by USPS certified mail. The I.Q. Data International agent claims that no certified letter from me has been received by I.Q. Data, despite USPS confirmation of delivery. 

We believe that failure by I.Q. Data International to provide timely written debt verification and failure to acknowledge / act upon delivery of our certified letter are in violation of the FDCPA ( 809 1692g ). 

Attn. XXXX XXXX XXXX / XXXX - you are identified here because you have under-represented our security deposit amount, did not inspect the apartment as required under California Civil Code 1950.5 prior to making cleaning/painting charges, and charge unwarranted administrative fees.

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 2019-05-31 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: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
I called the Wells Fargo Executive Offices ( Department of Credit Card Case Management to XXXX, my case is # XXXX ) and informed that there is wrong information on my credit report ( the balance on my credit card has been informed wrong to the 3 credit bureaus ). I asked that they fixed this and was informed that they will take whatever time they estimate to resolve my issue and that I have to wait on XXXX ( Rep from Exec Office ) to resolve all other customer cases. Today, XX/XX/2019 I called to XXXX and asked about information on Wells Fargo credit card. They informed that my balance as of XX/XX/XXXX ( date of report to bureaus ) is {$72.00}. I have evidence ( credit card statement for XX/XX/2019 ) that my balance is {$5.00}. I consider Wells Fargo is violating my right under FCRA because they are not reporting the right information to the 3 main credit bureaus

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 2019-05-31 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: CONTRACT CALLERS INC
State: VA

Complaint narrative:
My ex-husbands past due amount was reported with my name and I would like to have it completely removed from my report. The collection amount was for electricity for our marital house where I left in XXXX, 2014. Unfortunately, my name was still listed on the account. 

I informed the collection company, Contract Callers, of the fact that the debt was owed by him and provided his address. The company sent him a bill and he was the one who paid the debt. I have called Contract Callers numerous times but they refused to delete it from my report. I have mailed a dispute letter to XXXX and XXXX but XXXX did not provide deletion and XXXX is still investigating. I'm in process of home purchasing and this is negatively affecting my credit score which I'm not able to obtain the best available rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Since the beginning of XX/XX/2019. I have always paid my credit card bill on time..I usually pay more than I am required.I pay between $ XXXX {$100.00} each month.I have noticed that my balance hasn't lowered with each payment.I have never ever been late with a payment.MY ACCT # 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 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Automatic Data Processing, Inc.
State: FL

Complaint narrative:
Several calls were made during my work hours. The person identified themselves as a representative from the legal standpoint representing ADP. Their phone number is +1 ( XXXX ) XXXX. They did not tell me which bank or financial institution they were linked with.

The discussion became verbally abusive.

Efforts were being mean to obtain information from me and harass me for money. Clearly a fraudulent scam call several calls for me during mine work hours. The person identify themselves as a representative hired from the XXXX XXXX. They did not tell me which bank or financial institution they were going to wait.

The discussion became verbally abusive.

Efforts were being made to obtain information from me and harassed me for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
*Approx XX/XX/XXXX : we changed from XXXX XXXX to XXXX XXXX, on advice of XXXX . I  currently have a XXXX XXXX Acct. 
XXXX : XXXX demanded payment of {$610.00} for services on consumer acct., which they switched to a bus. acct. Since acct was closed, I could not access that acct online. I spoke w/ numerous XXXX reps and each time they referred me back and forth to diff't depts. No one @ XXXX was able to help, including managers. Several hrs on phone. 
*Approx XX/XX/XXXX : started getting harassing call from XXXX XXXX XXXX. I explained situation, but they said they could only collect or my credit would suffer. 
*XX/XX/XXXX : I filed complaint with FTC ( XXXX # XXXX ) and sent detailed letter w/ copy to XXXX and XXXX. XXXX never called again. 
*XX/XX/XXXX : Rec 'd collection notice from new agency : Sequium Asset Solutions , LLC , XXXX XXXX XXXX, # XXXX, XXXX GA XXXX XXXX ( XXXX ) XXXX. I called FTC and was advised to file complaint w/ CFPG. 
XX/XX/XXXX : I will send a copy of this complaint to all parties involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PDQ Check Exchange LC
State: UT

Complaint narrative:
A Payday Loan Company Money 4 you in XXXX, Utah says I took out a loan with them. I never took out a loan with this company and told them several times over the last 5 years. I sent them proof that it is not me with birth date and different Social Security numbers Etc. They won't quit hassling me through the courts and have served me papers several times and issue a bench warrant. 
The original loan they say was in XX/XX/2014. I did not owe this company any money and I want them to stop the abuse and using the courts to intimidate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
PHH Mortgage LN XXXX XXXX XXXX XXXX , XXXX CA XXXX PHH is refusing to release a payoff demand to an authorized third party. Their representative in XXXX stated they are not required to release payoff demands on this file. Their representative refused to let me speak to a manager. We would like an explanation as to why they are refusing to provide a payoff demand. 

***Why do we have to file a CFPB complaint on EVERY short sale we have with PHH just to get a Payoff Demand??? 

I want a payoff demand good for 30 days faxed to XXXX-XXXX-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/2019 I checked my Capital One App, it had an item hold, and I couldnt see what it was. The App also showed a {$35.00} overdraft fee pending. They have not been holding any items under my account number, nor having any overdrafts pending. What have they started doing to my account number? I have had my account there for years. This is against the law. I called customer service. Again they say they cant remove the pending overdraft fee until it posts. 
How is your agency protecting me as a consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Dear citi I had file Disputes with XXXX  reporting agencies XXXX tells me that you verified the information on all Three accounts saying it is reporting correctly correct when you send that information back to XXXX One of you Guy 's are not changing the date if status This is a Violation of the FCRA Transunion tells me that it is your responsibility to this when you reply back via XXXX XXXX This is a violation of the and you could be fined or sued for {$1000.00} per account per bureau I have had to issues before with XXXX they claim they will get back to me in 60 days But 60 days comes and Go so I need to get to the bottom of this to find out which one of you are in violation of the FCRA please Both companies DO NOT SEND ME ANY LETTER VIA US MAIL RESPOND HERE ON THE CFPB SITE LETTING ME Know which one is causing the violation ...

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 2019-05-31 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: Netspend Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX, I learned Netspend closed all our family 's account for " unacceptable account usage pattern '' Though following terms, I assume this was a pretext for just not profitable to them as they would not disclose anything further. 

Netspend refused to refund the {$85.00} annual fee I paid on XX/XX/XXXX, just a month ago. They cited since the account is closed, they can't refund. They also refused to send me the remaining balances on all prepaid cards in the family, citing a {$5.00} fee for checks to be mailed as well. 

Since I am not closing the account, the balances and fees for past year, {$85.00} each, should be refunded as I was not able to use the prepaid card for the full year as paid. There shoudl also be no fee for mailing us checks. 

I was not able to use the remaining balance on the card as well via debit transaction as blocked.

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 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: UT

Complaint narrative:
Pro Collect. Their phone number is ( XXXX ) XXXX-XXXX. They have bought the bad debt for someone that has my name. This person that shares my name from Texas owed money to an apartment complex. I've never lived in Texas, the information they have does not match mine except my name. I'm easy to find since I'm a responsible human being. This company wants me to prove that I'm not the person they are looking for by providing my drivers license info and social security number. Because of identity theft, etc. I'm not about to provide this information to some random company that keeps calling me just because they are telling me that they are legit. I've told them they have the wrong person, I've told them I'm not going to pay the debt for this other person who has my same name, but they refuse to stop calling me and harassing me about the money owed.

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 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Dear XXXX I had file Disputes with Transunion reporting agencies Transunion tells me that you verified the information on all Three accounts saying it is reporting correctly correct when you send that information back to Transunion One of you Guy 's are not changing the date if status This is a Violation of the FCRA Transunion tells me that it is your responsibility to this when you reply back via XXXX XXXX This is a violation of the and you could be fined or sued for {$1000.00} per account per bureau I have had to issues before with Transunion they claim they will get back to me in 60 days But 60 days comes and Go so I need to get to the bottom of this to find out which one of you are in violation of the FCRA please Both companies DO NOT SEND ME ANY LETTER VIA US MAIL RESPOND HERE ON THE CFPB SITE LETTING ME Know which one is causing the violation ...

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 2019-05-31 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: VA

Complaint narrative:
On XX/XX/XXXX Equifax produced a completion of an investigation. The Document sent states this " We have researched the collection account Account XXXX The results are : The Disputed item is not currently reporting on the Equifax credit file. If you have additional questions about this item please contact : Fair Collections & Outscour XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Phone XXXX XXXX XXXX " I challenge last payment date and and date of 1st delinquency as erroneous and inaccurate. 

Equifax also stated the same about another file that reads as such. " We have researched the collection account Account XXXX The results are : The Disputed item is not currently reporting on the Equifax credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Phone XXXX XXXX XXXX '' I Challenge all fields that are left blank or with a {$0.00} designation. Such as but not limited to Incorrect balance, ( Notice of deficiency deducted amount ), Scheduled payment amount, actual payment amount, date of last payment amount reported as XX/XX/XXXX, the account history with status codes does not match the reporting data of last payment and request all signature level documents stating both redemption and deficiency notices. ( I never received any type of documentation. 


When I checked my credit report both files still showed reporting. Both Files has missing information and also inaccurate information. 

On XX/XX/XXXX - I called Equifax to discuss the discrepancies. I gave the agent as well as the supervisor the confirmation # XXXX. They viewed the documents and told me that both files are still reporting. Although, I have documentations from Equifax stating that they both were removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AL

Complaint narrative:
I contracted AFNI collection agency to inform them a debt was created in my name but I held no lease in the home. Ive spoken with XXXX XXXX XXXX and they are stating its me even though they have verified me not living at the said address. I would like this off my report I cant even get service with that company because of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
This company called me on the phone told me they would give me a XXXX loan but first they would start out with putting XXXX into my account to be sure it was my account was valid. Upon doing this 2 days later they called me wanting there money back and I could only give it back by buying these cards and calling in the card numbers on the back which I did /, they also forged my name on the back of this check they sent transfered to my bank. Then there check bounced/. ( I didnt know at the time. ) This all done they said they would deposit my XXXX in my bank by XXXX XXXX that day wrong never heard from them, I'm a XXXX yr old XXXX woman single living on less than XXXX a month and this cause overdrafts at my bank because of auto pays and humiliattion to sleepless nights and fear of them retaliation from this company due to them threatening calls to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
1 The primary borrower of the loan, XXXX XXXX died, XX/XX/XXXX, as was married to her at time of XXXX XXXX loan, but I never signed the Note and D of T, but I paid {$100000.00} down.balance of {$270000.00} for property worth $ XXXX 2 Property was fraudulent appraised in violation of XXXX XXXX regulations. 

3. OIG Dept of Treasury, XX/XX/XXXX REPORT determined that XXXX had a history of fraudulent loans. 

4. In XXXX closing, I re -- emphasize I never signed any waiver, deed of trust, or NOTE, which I shoiuld have " marital rights '' as I was the source of money. 

5. Appraisal company - appraiser - realtor - real estate company - closing attorney all licenses surrender, non renewal and out of business ... .both handling a XXXX and XXXX fraudulent sales on this property. 

6. XXXX was taken over by FDIC in XXXX, sold to XXXX, but FDIC transferred in XXXX to XXXX XXXX XXXX, and in XXXX, XXXX transferred to Nationstar XXXX 7. Nationstar has had poor policies, refused documents requested, employees in loss mitigation lied repeatedly, and finally in mid XXXX Nationstar XXXX XXXX and XXXX XXXX through XXXX XXXX, MGR CUSTOMER SERVICE agreed to file title claim, lender for defects resulting from loan. 

8. They ageed if I bought out the children of XXXX/first husband that Nationstar would file the title claim, since my wife died without a will. I did that and spent {$15000.00}. 

9. This would give me the property free and clear since we were defrauded by the appraisal, and the closing attorney, and that attorney was certified by XXXX XXXX XXXX, issuing the paid policy. 

10.At merger, Nationstar and XXXX XXXX , became XXXX XXXX , XX/XX/XXXX and now XXXX  XXXX XXXX , -- they took XXXX off the file, denied filling the title claim in bad faith negotations, and hired two more attorneys to come after me now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: MD

Complaint narrative:
In XX/XX/2015 Fedloan Servicing reported my student loan account was 90 past due. In fact my loan was in forbearance at this time and no payment was due for one year. 

I have contacted the company on several occasions requesting the info be evaluated and reported accurately. At one point, I was told the info can be removed but no actions were taken by Fedloan to correct their inaccurate reporting. 

The biggest problem is ; although the 17 accounts were consolidated into one payment, the Fedloan reported each accounts as separate accounts. I now have 17 accounts showing 90 days delinquent ; when its truly has been consolidated into one. 

Their in accuracy has caused my credit score to drop by 50 points and in return Ive been denied loans and credit that I truly qualify for.

Company response to consumer: Closed with explanation