vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-16 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: FL

Complaint narrative:
XXXX located in XXXX FL XXXX, the apartment complex I lived at during 2019 sent a carpet cleaning bill for {$310.00} to collections without contacting me directly about this alleged debt. This entity provided no written or electronic notice, did not provide any sort of post move out-inspection document, and did not attempt to contact me directly in regard to this matter. I Found this amount of money to be absurd for carpet cleaning. A simple XXXX search for " carpet cleaing '' comes with multiple results for {$120.00} for a 3 bedroom property. Keep in mind my apartment was a one bed, one bath apartment with around 800 sq ft of living area. Fair Collections and Outsourcing placed me on collections and damaged my credit. I disputed this debt with all the credit reporting bureau 's and successfully within 30 days of receiving a written notice and had this negative information deleted from my file on XXXX  and XXXX. XXXX, however has contacted FCO directly and is unable to determine the validity of this debt, therefore it was remained on my credit report for over one full calendar year. 

Additionally, I would also like to point out the incompetence, irresponsible management, and unresponsive administration by XXXX which has snowballed into a series of problems directly damaging my 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 2020-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
NewRez LLC not honoring our original mortgage service contract and is changing terms/fees to egregious levels in some cases raising fees from {$30.00} to {$30000.00}. 

Not only is this a breach of contract and fair dealing is beyond unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Incorrect information is listed

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 2020-02-16 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: GA

Complaint narrative:
The total sale price and balance XXXX XXXX is stating as the beginning balance for this debt is inaccurate. I have a signed contract between myself and XXXX XXXX that reflects the correct balance agreed to as contracted. XXXX XXXX is not reporting the true numbers agreed to in our contract. Attached is a copy of the signed agreement between mnyseld and XXXX XXXX that correctly reflects the total sale price. They are in violation of the FCRA and this needs to be removed. I demand that the credit bureau ask XXXX XXXX To show proof that at the time of purchase the total amount financed did not include a warranty, gap insurance, taxes and fees. The balance that XXXX XXXX is reporting is not accurate and does not reflect the contract they agreed to. I am happy to provide a copy of the signed agreement between myself and XXXX XXXX if the credit agency needs to see it again. I have provided copies of this contract in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: NY

Complaint narrative:
Incorrect information is listed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened My American Express XXXX Surpass Card ending in XXXX on XX/XX/XXXX with a promotional offer of XXXX XXXX XXXX  points and one Free Night Certificate after {$4000.00} of qualifying spending ( image # 1 ). However during the first few weeks after completion of said requirement, I did not receive the bonus and a representative told me that system showed I did not reach {$4000.00}. They would later correct that I have " met the spending on XX/XX/XXXX '' and all it takes is for the 8-12 week to pass per terms and conditions. However that 12 weeks expired on XX/XX/XXXX and no bonus has showed up yet. 

I subsequently opened a case ( # XXXX ) with American Express on XX/XX/XXXX through online chat. They concluded their investigation on XX/XX/XXXX stating three of my transactions were person to person transactions and thus does not qualify me. That is fundamentally wrong because they were, processed through XXXX, a payment solution company, tuition payment to XXXX  XXXX XXXX XXXX and rent payment to XXXX XXXX XXXX, a property management company. None of them is remotely " person to person ''. This is easily evident in the statements and activities summary downloaded from Amex Website ( see below or pdf attached for complete description ). I have the transaction records from XXXX XXXX  XXXX XXXX XXXX or processing company if needed as well. 

I was not informed of this ( incorrect ) ruling through any of the mail address, emails of phones I have on record with Amex. This result only came to my knowledge when I asked about it today of XX/XX/XXXX. 

Three transactions claimed to not qualify : XX/XX/XXXX XXXX-TAX   https : XXXX {$1900.00} XX/XX/XXXX XXXX-RENT https : XXXX {$620.00} XX/XX/XXXX XXXX-TAX https : XXXX {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Possible Financial Inc
State: FL

Complaint narrative:
I've been trying to pay the loan for weeks. At every turn a new issue arises and they ignore my complaints or take weeks to reply. I'm trying to pay the FULL BALANCE TO GET this experience over with. 

No way to contact them other then email. Leaving a voice mail at their XXXX   contact number states that I'll receive a call back within 3 business days, LIES! 

I've been in talks with XXXX XXXX & with XXXX Absolutely no help at all.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: FL

Complaint narrative:
I tried to unfreeze my credit report so I could get a car loan. I was able to unfreeze my report with XXXX  and XXXX  instantly by following standard procedures. When I tried to unfreeze my report with Experian, the website was throwing strange errors. For example when it asked for pin, i entered the pin and it threw an error saying the pin can only contain numeric characters. So i cleared the field and entered a shorter number like XXXX to see if i got the same error and again. The same error about only entering numeric characters was thrown. So i tried to submit without my pin and it said the address input format was wrong ... .but didn't say what was wrong with it. By trial and error i figured out it didn't want a comma after the street even though it wanted street, city state and zip all in the same box. 

After submitting, it said the information could not be verified and i needed to mail a letter to a PO Box in TX with enough personal information to make identity theft easy for anybody that found or intercepted that envelope. So i tried again and got the same error. Next I tried to verify my pin by using their system to retrieve my pin ( which requires me to have to answer personally identifiable information to verify who I am ). When the site showed me my pin, I was able to confirm I had the correct pin already. So I tried again to unlock my report with my pin and got the same error message saying i had to mail personal information. I logged out and back in and the website said my credit report was not frozen anymore! 

So i called the bank and asked them to try again and they said they still were getting a message that my experian report was frozen. I called experian and the automated system said my report was still frozen despite now the website says my report is not frozen ( i have screenshots ). 

I called the customer service number and tried all the available prompts to try and get help. They all lead to a automated recording and no option gets to customer support. I also tried calling during Sat - Sun : XXXX XXXX  - XXXX XXXX  PT ( Sunday at XXXX EST ) and only got options to talk to a robot and no automated options to help me. 

They have effectively taken my credit hostage. My credit score is XXXX ( verifiable by the experian website ) and they are not providing a reasonable way for me to unlock my credit score in the middle of a loan application despite having the right username and password to login, the right phone number to receive the code confirmation on first login, and having the correct consumer pin.

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 2020-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: ME

Complaint narrative:
My mortgage processor allows one-time on-line mortgage payments. However, they do not allow you to enter the effective date of the payment. The effective date can only be the date that you enter the payment. For example, if I enter the one-time payment on the XXXX of the month, they will withdraw the payment on that date rather than the XXXX of the next month when my payment is due or any other date that I select. 

I believe this is an unfair business practice because : ( 1 ) if you enter payment any day before the due date they are getting early payment, which is a financial advantage to them, ( 2 ) it increases the risk to the consumer that if you wait until the due date to enter the payment but forget and they reap the benefit of the late fees, ( 3 ) it unfairly incentivizes the consumer to sign up the for the automatic monthly payments so you can pay on the due date but not forget to pay. 

Every other business where I use on-line payments has the feature that allows you to set the effective date of the payment ( e.g., credit cards, utility companies ). The mortgage processor is intentionally and unfairly implementing this to manipulate consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: GA

Complaint narrative:
The total sale price and balance XXXX XXXX is stating as the beginning balance for this debt is inaccurate. I have a signed contract between myself and XXXX XXXX that reflects the correct balance agreed to as contracted. XXXX XXXX is not reporting the true numbers agreed to in our contract. Attached is a copy of the signed agreement between mnyseld and XXXX XXXX that correctly reflects the total sale price. They are in violation of the FCRA and this needs to be removed. I demand that the credit bureau ask XXXX XXXX To show proof that at the time of purchase the total amount financed did not include a warranty, gap insurance, taxes and fees. The balance that XXXX XXXX is reporting is not accurate and does not reflect the contract they agreed to. I am happy to provide a copy of the signed agreement between myself and XXXX XXXX if the credit agency needs to see it again. I have provided copies of this contract in the past.

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 2020-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The debt that XXXX XXXX is claiming that is owed is not valid and XXXX XXXX   has admitted in writing that they did not follow Georgia code O.C.G.A. 10-1-36 ( 2010 ) 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency. In accordance with Georgia law it was the responsibility of XXXX XXXX to send two letters of notification. The first letter that they have admitted in writing they did not send was a letter of accounting. This letter would have been sent to XXXX XXXX XXXX XXXX which was the updated address given to them in the bankruptcy. It was their responsibility to send a new statement with the balance owed and amount needed to keep the vehicle. They did not send that. It was also their responsibility to send a letter of intent to sale 10 days after taking possession of the vehicle. XXXX XXXX has admitted in their own words they did not send anything until XX/XX/XXXX. This far exceeds the 10 days that state law allows. I am attaching a copy of the letter received by XXXX XXXX admitting that did not send any notifications to me letting me know the balance and they did not follow the law when it comes to repossession. By law they had 10 days after they took possession of the vehicle in XXXX to send a intent to sale letter. Just because they claim they sent a letter for a prior repossession does not qualify s proper notice. Once they vehicle was repossessed again in XXXX they had 10 days to notify of the their intent to sale. They did not do this and because they did not follow state law this debt is not valid. Because the repossession was not lawful. Below is a copy of the state code they are violating. 

O.C.G.A. 10-1-36 ( 2010 ) 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency ( a ) When any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the seller 's or holder 's notice emanated within ten days after the posting of the original seller 's or holder 's notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
My husband and I purchased a XXXX XXXX on XX/XX/2019 and got financing via the dealership. I noticed in XX/XX/2019 that the extra money we were sending to principal was actually being applied to the next months bill. I emailed the company and told them to correct this and to apply any extra money that I send in the future to principal. They corrected it and informed us that we would need to send 2 separate payments each month in order for this to happen. So for the XXXX and XXXX payment we did but yet they still applied it towards the next months payment. I then emailed them again and they said to call them as they would not correct it. I then proceeded to call them and was told there was no way I could pay towards the principal other than to call every single month, once the payment was posted. This would take 2-3 business days to apply for them to apply it correctly which then causes more interest to accumulate. When looking over my loan documents it says absolutely nothing about this. 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 explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a furniture company try to withdraw money out my account 6 times causing 6 {$35.00} fees on top of the NSF fee the bank charged me an additional {$35.00} per fee. My account went negative over {$260.00} dollars because of this. Because I make little money I was unable to get the account out of bad standing and the account went into collections. Wellsfargo just took everything out of my good standing account to cover the balance of the outstanding account and I have. They are unwilling to work with me and now I have -XXXX in my account. I have XXXX small children and no funds to feed them. This is just wrong. Please see what you can do to help me against these unlawful practices.

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 2020-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
EOS CCA aka Collecto Inc, of XXXX XXXX XXXX XXXX, MA XXXX has illegally re-aged a debt that has been defaulted on and reported on my credit report ( by their own admission ) since XX/XX/2017. EOS CCA has illegally re-aged this debt on two separate occasions. Which on both separate occasions my credit score has decreased significantly. 
I have also contacted XXXX  for a copy of my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
The account opened XX/XX/2018 I have made some payments but have struggled to make payments. Between school, working a low paying job, and acquiring a random dog who needed help I got the XXXX XXXX   to save his life and I still XXXX until this day. Not knowing much about credit, I got the card. I have been in contact with them on several occasions, its never been a rude experience. I did want lower payments ranging from 20-40 a month but the lowest I could get was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was looking at my credit report and noticed that I have a late payment on my report from a account that I paid in full. This is really hurting my credit. Wells Fago Educational Financial Service is stating that i have late payment on my history with them but have no proof that it was late. I had the payments on auto pay and I was never Late one time on my loan. The account was paid in full but its is inaccurately reporting on my credit report. This is causing me major problems in my life as i try to obtain more opportunities to expand my real estate portfolio. Please remove this from report. 

acct # XXXX It is also showing a partial account on my report which i did not authorize.

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 2020-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of 2019, Department Stores National Bank ( DSNB ) aka Macy 's Credit Card, closed my account without warning. I paid my account on time and was never late with DSNB. When they closed my account my Credit Utilization went up and my Credit history age went down, adversely impacting my credit and credit score. I contacted Macy 's AKA DNSB in late XXXX to ask them to re-open my account, since it was just closed 10 days earlier. They said that I had to re-apply for a card, which would also adversely affect my credit score, due to a new credit inquiry. After several calls with no resolution directly with DSNB, I filed a complaint with the XXXX XXXX XXXX. A lady named XXXX XXXX, from Macy 's executive office did care to resolve the issue. I advised her I needed a call back from a Senior Manager of DSNB to escalate my issue. She did not forward my request to a Senior Manager, and / or a Senior Manager from DSNB, failed to contact me about my escalated issue. I would like you to help me resolve my issue. I want it to be known publicly how DSNB aka Macy 's credit treats and punishes its loyal customers. 

Sincerely, 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