vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Acceptance Rentals, Inc.
State: GA

Complaint narrative:
I took out a loan for furniture with Acceptance Rental in XXXX XXXX. Each month around the XXXX of each month, an automatic withdrawal was made on my account. In XX/XX/XXXX, I reached out to the company requesting a notice of completion and never hear back. In XXXX XXXX, I was contacted by them implying that I had a final payment due, which I disputed. 
I advised them that I was disputing any additional payments due and would research on my end. Also, I advised them, that it seemed odd that they would suggest that I owed them monies, when they were withdrawing out of my account each month with no issues. They were reminded that they did not under any circumstances have any authorization to make any additional withdrawals from my account six months later. 
This morning XX/XX/XXXX, I was checking my account and noticed an automatic withdrawal pending from my account from Acceptance Rental, which I did not authorize and have had absolutely no contact regarding anything. 
This company took it upon themselves to take money from my account with any notification, acknowledgement or agreement from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: FL

Complaint narrative:
My credit card was used by an unauthorized user between XX/XX/XXXX-XX/XX/XXXX. I was unaware until I started receiving debt collector calls. When I ask what their protocol is on disputing debt, where I could send complaint or disputes, I was always transferred. I would call XXXX and was told to call XXXX. They could not help. The referred me to XXXX who also could not help and referred me back to the XXXX. I have been able to close the account and just recently gave them my correct address. Credit cards statements are still being sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, which I have NEVER lived at. Whenever I ask whom to contact to dispute the calls, I am referred back to another phone number that tells me to pay a lump sum. Most recent calls were made on XX/XX/XXXX, XX/XX/XXXX No one has been able to address my needs, give me a confirmation number, or a protocol dispute a debt

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 2020-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Noticed on my XX/XX/2019 credit card statement, that on XX/XX/2019, a payment was made for {$14.00} to something called XXXX   via Paypal. 
The phone number listed with the transaction was something generic like the paypal main number. I did call the number, but the person I spoke with seemed to have some trouble with basic English, so it seemed suspicious. Called my credit card company and asked them to make an inquiry to paypal about this. 
Paypal never responded. The credit card company eventually gave me a credit for {$14.00}. 
A month later I got a call from the XXXX XXXX XXXX XXXX XXXX ( XXXX ), asking me why I had cancelled a payment to them. Well, if it was something for the XXXX, I guess I am down for that, so I called my credit card company and say that I wanted the previously refunded {$14.00} charge to do through, which they the card company agreed to. 
A month or two later, the XXXX told me that they never got their money, and that paypal had charged them a {$20.00} fee for a cancelled transaction. I called paypal and spoke to another suspicious sounding person who seemed to have trouble with English and managed ( after about an hour ) to express that I would like the charges to go through to the XXXX. I had to supply letters from the credit card company stating that I gave up my right to my {$14.00} transaction refund, which took another 30 minutes. 
After all that, the XXXX never got their {$20.00} back from paypal and neither the XXXX nor I got the {$14.00}. So, I am out {$34.00} for nothing. And paypal never even transferred the money. This is basically theft. 
I complained to the XXXX  XXXX XXXX  and youll never guess like a month or two later someone got back to me and basically summarized my complaint back to me as a response. I followed up on this and like a month later, I got a reply telling me that no one was getting the {$20.00} back. ( Too bad, so sorry, I guess. ) And, still no one got the original {$14.00}. Theft. Just theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
After running into financial difficulty in XXXX, I tried negotiating with Bank of America. They would not. After speaking with them for months, they told me the only thing I could do to get the interest or payment reduced was to go 6 months and have them charge off the account which they said would be very bad. I did not want to do that but had no choice since they would not except any payment plan or reduce the interest. I accept that and understand that the charge off must appear on my credit report. However, my credit reports are showing 10 charge-offs so far. And they are adding one every month. I reached out to the credit reporting bureaus to point out that there was only one charge off ( which I am slowly paying down ). They investigated and nothing was changed. I have a copy of the report from XXXX  showing 10 charge offs from XX/XX/XXXX to XX/XX/XXXX. There was only one back in XXXX. Please help to get my reports corrected.

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 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rubin Lublin, LLC
State: GA

Complaint narrative:
For the past several days XXXX XXXX is listing property with my street address as scheduled for a foreclosure sale in XX/XX/2020 on its web-site at : XXXX XXXX XXXX I do not owe XXXX XXXX any money, it has not sent me any written communication regarding its attempts to collect an alleged debt from me, and no alleged creditor has contacted me regarding XXXX XXXX having any right to collect any alleged debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Funding and XXXX XXXX are reporting an account from XXXX XXXX account # XXXX in the amount of {$720.00}. This is adversely affecting my credit score. I have written them both a letter on XX/XX/2020, which they received via the USPS on XX/XX/2020, asking for details of this account. XXXX XXXX responded with a letter giving me instructions to contact Midland Funding. I received no response from Midland Funding and it has been longer than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
XXXX was the original servicer of my loan ( Mortgage ). On or about XXXX of 2019 my mortgage servicing was transferred without notifying me. I continued to pay my mortgage on time to XXXX as I have always paid all my loans on time and have never had a late payment. On or about mid-XXXX  I received a foreclosure notice from Mr. Cooper and called them right away. Mr. Cooper stated my servicing was transferred to them by XXXX in XXXX and have received no payments for XXXX, XXXX, and XXXX of 2019. I paid XXXX every month on time for these months and have my online payment confirmations to prove this. Little to my knowledge XXXX was accepting these mortgage payments and holding them for 30 days or more and then returning them to my bank electronically. Instead of XXXX notifying me of the transfer or forwarding my timely payments they held them and later returned them. I have repeatedly tried to resolve this with Mr. Cooper and had them do an investigation with no success. I brought the account current as soon as I figured out what happened as I have always had the money to pay all my bills on time. This now has caused me credit hardship, the inability to take advantage of low rates and or make economical future purchases. I would like all late payments to be expunged/removed from all reporting agencies to include XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Several accounts have appeared on my file that are in question with the credit bureaus that have not been addressed and are not mine.

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 2020-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: VW Credit
State: NY

Complaint narrative:
I have a delinquent notification on my credit report form Volkswagen Financial that states that I was 90 days late in XXXX-XXXX of XXXX. This account was closed and paid in full in XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello CFPB! Can you please forward the folllowing documentation to Citi Bank and Best buy. 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 non-monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services
State: MO

Complaint narrative:
MY CAR STINKS AND HAS A SMELLY FEET SMELL THAT WONT COME OUT DUE TO HVAC ISSUES AND LEAKAGE. I bought a used XXXX   Benz in XXXX and the car kept leaking, and wouldnt start after a week. After taking the car to get checked my a shop other then the dealer who lied to me because they are the only Benz dealer in XXXX I found out MOLD IS GROWING IN MY CAR from the leak. Upon checking the internet I have learned XXXX has agreed to settlement and knows about the issue. I feel like I was cheated into buying a defective car, which is why I havent sent the payment in. 

XXXX XXXX   XXXX % XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express is only approving me for cards with annual fees. When I try to get n American Express card with NO annual fee they declined me. American Express only wants me to have cards with annual fees because they know I am a great cardholder who will pay. The latest example is : On XX/XX/2020 I applied for a Delta sky miles card with a {$95.00} annual fee just to see if my suspicions were correct. And sure enough, I was right. American Express approved Application ref. XXXX for the Delta Miles with the {$95.00} annual fee. A few days later I applied for the American Express Cash card with NO annual fee, to prove my theory. And sure enough, American Express declined the application ref. XXXX. I have contacted the company several times and nobody could give me an answer on why. I know why. But I wanted to here it from American Express. They are committing FRAUD! Both cards are practically the same except the annual fee. If you approve me for one & not the other because you want to make revenue on the annual fee is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial contacted my neighbors, to whom I do not have a relationship with nor are on my account, to discuss my financial situation. I was told it is common practice to find associates to the borrower, however none of my neighbors are associates. My privacy was violated. Federal law protects consumers against unfair, abusive, and harassing debt collection activities. The law that governs debt collector actions is known as the Fair Dept Collection Practices Act or FDCPA. This law sets strict limitations for what debt collectors can and can not do, including who they can contact as well as when, why, and how those communications occur. All of which were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS

Complaint narrative:
The debt is with XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX XXXX. I made the first payment in XXXX and it was forwarded to debt collection Wakefield and Associates-XXXX XXXX XXXX, XXXX, TN XXXX, XXXX. First, I tried to clear this negative reported debt to all three credit bureaus. I was successful with XXXX  and it was removed. However, XXXX  and XXXX has not removed the debt stating it is verified as accurate. I called Wakefield and Associates to try and get them to remove the negative report on XX/XX/2020 and spoke with a XXXX XXXX. He stated they could not remove it because it came from XXXX XXXX  XXXX . He stated it was up to the doctor to report the negative information. I asked for the doctor info and he could not give me that info. He said he could send a report asking them to take it off. I have been paying amounts of $ XXXX {$25.00} dollars on the account. I have not missed a payment and do not understand why this is reported on my credit when I am paying. Mr. XXXX XXXX response was that the amounts were too little. I told him it doesn't matter about the amounts as long as the debt is being paid. He agreed and said he will forward this info to request the negative file is taken off my credit file. I asked how long it would be and he didn't really give me an estimate of time. I pay all my debts and have no problem paying. I want this negative report to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo website states on their payment page that any account that is paid 3 or more month 's ahead will have additional funds applied to the principal. 

In XX/XX/XXXX I made 5 payments online, each payment was at minimum for my regular amount due. The last payment posted on XX/XX/XXXX was applied to the principal correctly, as Wells Fargo 's website states. 

However, in XXXX and XX/XX/XXXX, both of my payments were applied to my account and interest was deducted before the remaining funds were applied to the principal, even though my account was showing the next payment was not due for over 3 months. 

When I called a representative in around XX/XX/XXXX after I saw my incorrectly posted payment, they were able to reverse and reapply the payment. I was told I had scheduled the XXXX payment for the exact due date so I scheduled the XXXX payment for a couple days earlier than the due date. However this time, the interest that was deducted from my payment was over twice the amount deducted in XXXX. 

I called their customer support line around XXXX XXXX  on XX/XX/XXXX and spoke with a representative named XXXX who placed me on a hold after I voiced my complaint and came back with the explanation that in the year XXXX, their website/payment system did not have the functionality to check if a payment was 3 or more months ahead and apply the funds directly to the principal. I was incorrectly informed that I could setup an automatic payment that would be applied to the principal but when I was trying to walk through the setup over the phone, XXXX feigned that she couldn't hear me after I said I did not see the principal payment only option and disconnected my call. 

If I had not been checking how my payments were being applied after paying ahead over 3 months, I wouldn't be aware of how Wells Fargo was still deducting interest from payments, even though their website clearly states ( XX/XX/XXXX ) : " When you pay more than the total amount due, on or before the due date, the additional amount will pay down your principal balance and will be applied to your next payment due. If your account is paid ahead three months, additional funds will be applied to the principal only. ''

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 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc.
State: VA

Complaint narrative:
Company first contacted me via phone call on XX/XX/2020, however no message was left. 

Company contacted me for the second time via phone call on XX/XX/2020, and left a voicemail stating, " Hi, this is XXXX XXXX. I have an important message from Sentry Credit Incorporated. This is a call from a debt collector. Please call me toll-free at XXXX. Thank you. '' Voicemail did not indicate whom the call/collection was intended for or indicate the nature/amount of any debt. 

This present contact appears to be a violation of Fair Debt Collection Practices Act, herein FDPCA, since I have not received a written validation notice sent within five days of first contact, XX/XX/2020 ( see FDPCA 809 ). 

In the event the telephone calls are for the purpose of acquiring location information of another individual, the present contact also appears to be a violation of the FDPCA since the alleged debt collector has not identified themself in stating they are merely confirming/correcting location information for a consumer, has attempted to communicate with me more than once without my explicit request or provided a bona fide reason necessitating the second contact, and improperly used language indicating themselves as a debt collector in the debt collection business and the communication relates to the collection of a debt in the communication of acquiring location information of another consumer ( " Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ... ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ... ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; '' see FDPCA 804 ( 1 ), ( 3 ) and ( 5 ) ). 

On Sentry Credit 's website ( https : //sentrycredit.com/ ), the toll-free telephone numbers listed do not match the toll-free number recited in the voicemail, nor is there a mailing address published for mail correspondence. This call appears to be either a violation of FDPCA or a scam/phishing attempt from a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THESE ITEMS KEEP APPEARING ON MY FILE AFTER BEING 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 2020-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I was in a loan forgiveness program that didnt require me to make monthly payments. After a year I had to re-qualify for the program. During that process my account was in forbearance. I was never alerted that I was then required to start making monthly payments. Even though my income never changed from my initial approval. I now show 6 missed payments on my credit history and I would like those removed. I am now current with the company after being placed BACK in forbearance but they wont remove the 6 previous missed payments. Online it still says that Im in forbearance and that it will expire soon, so I should have no missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This collection agency ( Midland Credit Management ) continues to call me despite me demanding it cease all calls, communication as I am NOT the person whom it seeks! 

Calls were received as follows : XX/XX/20 from XXXX XX/XX/20 from XXXX XX/XX/20 from XXXX XX/XX/20 from XXXX [ point I'd informed it to cease calls, etc. ]

Company response to consumer: Closed with explanation