vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I pay late each month so a late fee is applied. I have paid mid month every month and included the late fee in my payment. The company is applying the extra I send for fees to principal. I have requested to have the payments reversed and applied correctly. The company states that unless I pay on time they will not apply my extra funds to the fees. I have never paid outside of the month due so there is no need to hold the funds to pay the payments/principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
This complaint involves company XXXX XXXX XXXX XXXX who is illegally and it's two collection companies XXXX XXXX and Diversified Consultants. In XX/XX/XXXX I contacted XXXX consultants and requested validation of a {$830.00} debt as it is invalid and does not belong to me. They were unable to validate and removed it from my account. XXXX XXXX XXXX XXXX then sold the debt to XXXX XXXX in XX/XX/XXXX. Once again I had my attorney send them written request to legally validate this debt as it's invalid. XXXX XXXX responded by removing it again from my report. For a 3rd time in XX/XX/XXXX it went back to Diversified Consultants who again I sent letters of validations. As of XX/XX/XXXX it was removed from my credit as invalid. 

Today I was notified by my credit monitoring service that for a now 4th time the debt has been transferred back to XXXX XXXX who is illegally reporting this debt on my credit report. I have asked them on two previous occasions to valid this debt and they have not. 

I have also contacted the original company XXXX XXXX XXXX XXXX directly about this debt on XX/XX/XXXX and XX/XX/XXXX and the information they provided was that this debt is for equipment charges that was not returned. I provided copies of the receipts at that time that the equipment was returned using their requested method which was XXXX. Tracking numbers were XXXX and XXXX. The customer service rep advised she could CONFIRM that it was returned and the equipment is now being used by another XXXX XXXX XXXX XXXX customer however I am still being charged for it as unreturned. I requested to speak with a manager and explained to that manager how could it be legal to charge me for unreturned equipment when you have confirmation it was received AND that it is now being used by another one of your customers. If I am being charged {$830.00} for equipment that equipment should now belong to me as my property not being used in the home of another customer. The manager at that time resolved the issue by having the collection companies remove it. Unfortunately however they wait a few months and trade it back and forth and place it back on my credit report to damage it. I have to keep battling the 3 companies together from damaging my credit report. 

I ask that you please assistant me with FINALLY resolving this illegal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX, Equifax & XXXX are reporting lates on all 3 of my XXXX XXXX accounts : XXXX ... These accounts have been in deferment and these lates are not valid. I have already spoke with XXXX  XXXX and they say they are deferred and they gave me proof of deferment/forbearance. I have attached it and i need the late payments removed from my XXXX XXXX accounts. 
They are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian, XXXX & XXXX are reporting lates on all 3 of my XXXX XXXX accounts : XXXX ... These accounts have been in deferment and these lates are not valid. I have already spoke with XXXX XXXX and they say they are deferred and they gave me proof of deferment/forbearance. I have attached it and i need the late payments removed from my XXXX XXXX accounts. 
They are inaccurate.

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 2019-03-27 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: MI

Complaint narrative:
I have spoken with TransUnion regarding this issue. 

They do not have a legal office in the United States and are acting as an illegal representative falsification of credit reporting issues. 

They need to be taken into court and sued for lying and falsifying credit information. 

I have not and do not have any money owed to two-jinn inc from the year of 2016. 

They are reporting incorrectly and claiming to have verified the report. 

They are lying and falsifying documents. 

They can not produce a wet signed document with my name and this stated company.

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 2019-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: DC

Complaint narrative:
Collection Agency Contact Information is Debt Collector : Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Florida XXXX Dear FTC : This complaint is against Hunter Warfield Debt Collection Agency regarding a debt that they purchased from Residence at Congressional. 

Please note that I DO NOT OWE This Debt. My Security Deposit was taken for the {$130.00} that was owed and not {$790.00}. 

Hunter Warfield Collection Agency is deceptive by Adding this Debt that I do not owe to the Collection Agencies. Please note that I DO NOT owe this debt. 

Before I contact a Lawyer, I am contacting the FTC to assist me in making sure that Hunter Warfield remove this Negative Information from my Credit Report and Refrain from Contacting me, because I do not owe this debt. 

This apartment complex was given 90 ( 3 months ) notice indicating that I would not renew my lease in 2017. They were also given written notice that I would be vacating 3 days earlier during the month and that they should use my security deposit to cover those 3 days which they have used and never returned to me. 

That being said, please assist me as a consumer by having HUNTER WARFIELD CEASE AND DISIST. 

My next steps to secure legal counsel and sue Hunter Warfield for damages if I loose my security clearance. 

Thank you for all your assistance. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
We opened up a 5/3 business checking account based on a {$500.00} bonus offer. This was a targeted offer that was mailed to us. The offer code is XXXX XXXX XXXX XXXX XXXX. We opened the account at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - ( XXXX ) XXXX. The account was opened up by XXXX ( who helped us open the account ) along with the branch manager XXXX. We have met all the terms of the offer, but the bank has yet to make good on their deposit. We have spoken to both XXXX and XXXX multiple multiple times, and they have agreed that we have met all the terms of the offer. They have escalated this issue to Corporate for resolution, yet they have indicated they have had no response to their request from Corporate. It has been almost 5 months since we opened this account, over 3 months longer than was required for the bonus offer to be deposited to our account. I spoke to XXXX again this morning, and she indicated that she is again escalating this issue, but I'm filing this complaint because this is a branch manager of 5/3 who can't get a response from the very bank she works for on a resolution to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
To whom it may concern, I have a Home Depot Consumer credit card. I received my statement for balance due for XX/XX/2019. It informed me that they never received payment for balance due XX/XX/2019. I did, however, make my payment in XX/XX/XXXX and have a copy of the canceled check through my bank with the stamp of approval through Home Depot. Ive called Home Depot multiple times in the past 3 weeks. I have faxed the copy of the canceled check to them daily for the past 2 & 1/2 weeks and they have yet to resolve this issue. Im being called almost daily to collect payment, they lowered my credit limit and they have given me 2 late charges. 
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 monetary relief
Consumer complaint received 2019-03-27 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 attorney contacted Fair Collections & Outsourcing ( FCO ) in regards to a debt with their client, XXXX XXXX, regarding the amount of the debt being unsubstantiated. 
FCO has failed to provide complete billing to demonstrate where all charges are from. I have disputed, multiple time with each credit bureau, this fact and each time FCO responds to the dispute that the debt is collectable and valid, but does not validate the balance 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 2019-03-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
foreclosure notice never sent contacted them XX/XX/XXXX to discuss payment arrangements and was told as of XX/XX/XXXX we were in foreclosure. nothing in writing had done the trehab programs with no luck. also had to request no robo calls as they were coming in all hours of day and night. sent them letter saying to stop robo calls but to contact us by regular phone, which hasn't been done. they have some very rude people they you have to talk to. like one today was ext XXXX who got very snotty. I would like account paid in full this has been going on to long with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank Of America is not complying with the Expedited Funds Availability Act of XX/XX/XXXX. They are placing a hold of 9 calendar days and as many as 6 or 7 business days of checks deposited with an amount over {$5000.00}. The account in question is in good standing and has never had any issues. Deposits of this type have previously not been subject to this type of hold. I have depositied many checks with similar of greater amounts from this same payer company with no issues or holds applied by BOA. Their mobile app stated at the time of deposit on the morning of XX/XX/XXXX that the funds would be available the next day and then a day later were place on hold until XX/XX/XXXX. Attempts to rectify this problem with the bank via their customer service line and at the BOA location on XXXX XXXX in XXXX XXXX, TX have been fruitless. 
Federal regulations state clearly that they should have already released all of these funds by now.

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 2019-03-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
I received my annual escrow disclosure on XX/XX/2019 for my house that I purchased last year. It showed that due to the lending company ( Cornerstone Home Lending ), that was recommended by the builder ( XXXX XXXX ), severely underestimating the taxes for the year that my escrow account has a shortage of {$7200.00}. This plus the new increase in taxes has caused my payment to go from {$2100.00} to {$3100.00}. I called the lender to get an explanation on how this could have happened. I have never missed a payment or been late. They told me that the taxes were not calculated properly when I purchased my house causing the now shortage putting me in a financial bind. I failed to see how that is my fault. They, ( the lender ), said the best they could do was spread the {$7200.00} deficiency over 24 months vs 12 months. While this lowers my payment to roughly {$2800.00} it is still over {$700.00} higher than what I signed and agreed to less than a year ago. This puts a severe hardship on our finances to where we will not be able to either pay other obligations or afford this house anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
For 18 months Equifax has refused me online access to my credit report. I have faxed documents proving who I am and my address and they keep saying they never got them. The last Time I faxed was 30 days ago. There is information on my report that should not be there due to age or a release was signed. 
I have called customer service and they tell me they cant help me unless I am a paying member. They are rude and condescending and speak broken English because they are in a call center in XXXX. 
I am unable to obtain a mortgage because they will not allow me to access my report and dispute what needs to be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Westview Financial Services VA, LLC
State: VA

Complaint narrative:
UDAAP issue - XXXX at Westview Financial in XXXX, VA communicated that if I make a payment on XX/XX/2019 that was due on XX/XX/2019 that it would report to the credit bureau late and have a negative impact on my credit. XXXX expressed that because the payment is due in XXXX and I am making a payment in XXXX, this would hurt my credit. I expressed that the earliest I could make a payment would be XX/XX/2019 due to personal issues and the payment would not be 30 days late. She continued to state that if I did not make a payment then I would have a negative mark on my credit. She then continued on to say if I deferred a payment then that would help my credit. I did not believe that to be true. I believe that deferring payments will make my loan term longer and would add additional interest. She became highly annoyed when I referenced the FDCPA and continued to tell me that I would need to defer a payment in order to avoid a negative impact on my credit. I believe this to be misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL

Complaint narrative:
The company XXXX XXXX XXXX is calling my number using various numbers twice a day to ask about a debt not owed by me.

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 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Allegiant Capital Recovery LLC
State: MO

Complaint narrative:
A XXXX from Allegiant Capital threatened with taking me to court and scared me into paying XXXX $ over the phone. They keep calling me and my work place even though I clearly asked them not to. They would not send me a receipt or any paperwork about what the debt is about or that I paid XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I XXXX XXXX had on two separate occasions submitted a loan modification to my mortgage servicer XXXX XXXX XXXX. In XX/XX/ 2019, after clearing waiting for an answer from the previous modification package, I was told that title did not clear due to a lien against my property. I had to do my own research to find out that my divorce attorney never filed a release on his file after being paid in full. I then resubmitted a totally new application, and while it was in final underwriting review, the loan servicing rights were transferred to Mr. Cooper, formerly XXXX XXXX XXXX XXXX. While I was going through my divorce, my house went into foreclosure. I am not financially able to afford a restructured mortgage payment, yet Loan Depot violated every right I maintain under the Fair Debt Collection Practices Act. I have requested a clean mortgage assistance package to be either mailed to me or by email to resubmit a new modification package, and even asked the attorneys for the mortgage servicer to help me obtain this modification application. I need my rights protected and request a mortgage assistance application to be emailed to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have been working with XXXX XXXX to repair my credit. They helped me removed some collection accounts. Professional Debt Mediation Company Collection Account was deleted from 2 of my credit reports ( XXXX and XXXX  ) and not XXXX. XXXX XXXX XXXX Account was deleted from 2 of my credit reports ( XXXX and XXXX ) and not XXXX. All of this occurred around XX/XX/2019. The complaint is nit against XXXX XXXX. My complaint is that the collections accounts has been removed from some credit reporting companies and not others. I have also been receiving collection letters from XXXX XXXX XXXX to collect a debt that is being reported by XXXX XXXX on my credit report. I also have collections accounts from XXXX XXXX XXXX and XXXX XXXX XXXX reporting on my credit report. I didnt give any permission for any of the original creditors to sell my debt or information to anyone and I have no knowledge of any of these debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
Company refuses to send my receipt of payment to my email address per multiple conversations and being told it would be sent in 48 hours from payment ... .. They are refusing to provide proof of payment causing financial harm and preventing me from buying a house and causing me to loose the house I put an offer on ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: WA

Complaint narrative:
I have had an account with Equifax since XXXX, and the products I pay for monthly are Score Watch XXXX   XXXX XXXX and ID Patrol XXXX XXXX XXXX. My account with Equifax reports that I currently have two " open '' home mortgage loans. My home mortgage loan that began in XXXX was paid in full and closed with the bank in XXXX of XXXX, so should have been removed from my " open '' to " closed '' accounts at that time. Although I maintain an Excellent credit rating, leaving the " closed '' mortgage " open '' on my Equifax report is not only inaccurate, but lowers my score. I have circled back with the bank to confirm that they did notify Equifax when the home mortgage loan was paid off. It's also important to note that this home mortgage loan was closed on both my XXXX and XXXX  reports at the appropriate time. 
I have made a number of contacts to try to resolve this issue with Equifax, including calling twice and talking to a representative, and filing two disputes, all to no avail. One representative in particular was flat out rude and said he could not help me, and although I get emails regarding the status of my disputes, the Equifax system does not allow me to access the information when I click on the provided link. I have shared this problem when I called, but received no positive assistance. In fact, I was told by both representatives " I'm sorry, but the system is down and I am unable to confirm when it will be accessible ''. This is not acceptable. 
Equifax needs to correct this problem right away. I also want to pursue a refund for Score Watch back to XXXX of XXXX.

Company response to consumer: Closed with explanation