vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 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: CA

Complaint narrative:
I have been attempting to deal with Macy 's with regards to a late payment being reported on my credit report. This reporting is for the month of XX/XX/2019 and is not 100 % accurate. Therefore, I have been asking cordially that they remove this from my credit report. 

Two disputes with the credit bureaus have been filed and a written correspondence has been sent to Macy 's - and 2 phone calls have been placed to Macy 's. That's 5 separate attempts to have them correct an unjust error. They have yet to respond to my correspondence nor provide a conclusive evidence that this late payment is justified. 

I have informed them as a victim of bank fraud my accounts were temporarily frozen until it got sorted out, this caused a delay in the Macy 's payment. They are unwilling to look at the facts or provide a written justification for this late payment. I have impeccable credit history and Macy 's is ruining my ability to obtain favorable credit terms, causing sleepless nights, aggravation, stress, and inability to secure mortgage funding. Credit reporting has to be 100 % accurate and representative of a consumers ability to pay, and the late payment reporting does not accurately sum up the entire story of what happened. It simply reads I missed a payment when in fact, the payment was made but was compromised due to bank fraud that was happening to my account. Macy 's never notified me that the payment was past due, even though they had 30 days to do so before damaging my credit score.

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 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax, XXXX- I will not allow any more longer time periods for your investigation of disputed information corrected by your furnisher of information XXXX . This has been an ongoing battle for more than a year. I have numerous written communication from each organization telling me to contact XXXX the furnisher of information for the bankruptcies XXXX & XXXX. XXXX has deleted the the bankruptcies from my file with the same information that I have provided to Equifax, XXXX. According to the FTC 611, you were suppose to investigate and also correct the inaccurate information. FTC 623 a, b, also inform you all to correct the disputed information in a timely manner. Therefore, I have exhausted all other options and disputes. I will not allow you all to continue prolonging and jeopardizing my credit information. I am exercising my legal rights to take legal suit against you both.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen now moved to PHH mortgage somehow took over a secured loan that I had on my home and it is now called a Mortgage. I had loan modified a couple of years ago to save on the payments but this meant they had to escrow taxes and house insurance which I normally paid myself without issue ie being behind in any payments. Since they took escrow over it has been calculated wrong and it has made my payments increase by more thank {$100.00} with every year miscalculation. I get nowhere in the phone asking how it can be miscalculated. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
Received a bill from Mitchell D. Bluhm & Associates LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX saying that I have a balance {$980.00} from XXXX XXXX XXXX to pay {$580.00} ( 40 % ) and I need it to call them before XX/XX/2020 be in legal compliance. This balance is already showing on my Credit report. I call the company at XXXX on XX/XX/2020. I told the rep that I was willing to pay {$100.00} just to get it off my credit. The rep mistreated me. Told me that had to pay the full amount. I requested then documents to show me that it was actually my debt. The rep then hang up the call. I call again and then I was transfer to a Supervisor and she was more aggressive and demanded that I pay and they will keep it on my credit. If I did a payment plan they will keep it on my credit until I pay the full amount. Still refuse to give me any proof that the debt is mine. I told the rep that date on the bill is around when Hurricane Irma hit Florida. I was displaced for 20 days from my home. Again hang up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
I purchased a couch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/2019. Acct. # XXXX. 

I have been making payments on time for months but was never told about the interest being 270.22 % even with making on time payments. I feel very mislead and want to file a complaint to get my money back the interest is extremely unreasonable. I was never told by the store owner that this would cost me over {$2700.00} for a couch that was originally {$800.00}. The couch is falling amount and very poor quality. I want to know what my options are to get me money back for the outrageous interest and all principal I paid to date. I'm willing to give the couch back and for my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Repeated harassment and home visits from Scott & AssociateXXXX who handle old bad debt. Send them a cease and desist letter on XX/XX/2019 and today they sent someone to my home violating this cease and desist to serve with bad debt papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
i can't open a bank account or cash checks

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 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX

Complaint narrative:
Repeated harassment and home visits from XXXX XXXX XXXX who handle old bad debt. Send them a cease and desist letter on XX/XX/2019 and today they sent someone to my home violating this cease and desist to serve with bad debt papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX, XXXX I will not allow any more longer time periods for your investigation of disputed information corrected by your furnisher of information XXXX XXXX This has been an ongoing battle for more than a year. I have numerous written communication from each organization telling me to contact XXXX the furnisher of information for the bankruptcies XXXX & XXXX. XXXX has deleted the the bankruptcies from my file with the same information that I have provided to XXXX, XXXX. According to the FTC 611, you were suppose to investigate and also correct the inaccurate information. FTC 623 a, b,  also inform you all to correct the disputed information in a timely manner. Therefore, I have exhausted all other options and disputes. I will not allow you all to continue prolonging and jeopardizing my credit information. I am exercising my legal rights to take legal suit against you both.

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 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX, Experian- I will not allow any more longer time periods for your investigation of disputed information corrected by your furnisher of information XXXX . This has been an ongoing battle for more than a year. I have numerous written communication from each organization telling me to contact XXXX the furnisher of information for the bankruptcies 19-02111 & 19-03527. XXXX has deleted the the bankruptcies from my file with the same information that I have provided to XXXX, Experian. According to the FTC 611, you were suppose to investigate and also correct the inaccurate information. FTC 623 a, b, also inform you all to correct the disputed information in a timely manner. Therefore, I have exhausted all other options and disputes. I will not allow you all to continue prolonging and jeopardizing my credit information. I am exercising my legal rights to take legal suit against you both.

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 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On three or more occasions, I have disputed the inaccuracy of this debt with the three main credit agencies. XXXX  has deleted the debt from its report. The reporting includes the wrong original balance and improperly added over the limit fees. First, the original approved amount is {$500.00} of which about {$420.00} was used. However, the reporting notes the original and high balance as the same, i.e., {$850.00}. Second, when the account was about {$420.00}, XXXX/Synchrony Bank, added late fees and interest until the account reached {$500.00}. At that point, they added over the limit fees, along with the late fees and interest charges. Next, I have disputed the inaccuracy as I am not liable for the over the limit fees, want them removed, balanced recalculated, and original balance and high balance reported correctly. Last, XXXX is the new owner and I am requesting that they show the line items up to and over {$500.00} that resulted in the account reaching the plus {$850.00} balance. I am uploading some docs but have more.

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 2020-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
In XX/XX/XXXX, I graduated from XXXX XXXX. I finished classes in XX/XX/XXXX and officially graduated in XX/XX/XXXX.

In XX/XX/XXXX, my loan servicer notified me that I had lost the subsidy on my subsidized loans due to exceeding the 150 % time limit for my program at XXXX. However, I started at XXXX  in XX/XX/XXXXand was in a 4 year program. As such, to have exceeded 150 % of the length of my program, I would have had to make it through a 6th year at XXXX  and start a XXXX  in Fall  of XX/XX/XXXXwhich did not happen. Furthermore, the notice was sent out before Fall   XXXX  at XXXX even began so the timing isn't right for that being the issue either ( cropped copy of the letter with dates shown and personal info removed is attached ). 
I contacted my loan servicer and was instructed to contact XXXX. I contacted XXXX about this issue multiple times since them, and XXXX representatives stated I should have had no issues and that I hadn't exceeded the limit. I went back to my loan servicer with this information and asked what my next steps should be and they haven't given me any helpful responses. They have simply told me that my status is listed as " in school - part-time '' and my account has continued accruing interest it shouldn't be gaining yet. They haven't even acknowledged my concern about my loss of subsidy not have they explained why the paperwork they sent says I lost my subsidy due to exceeding a time limit that XXXX says I haven't exceeded. If there's another reason for it, they haven't offered one. It has accrued hundreds of dollars of interest at this point and haven't given me a meaningful response to any of my attempts to get this resolved. I sent another request to both FedLoans and XXXX today, XX/XX/XXXX, but I'm not confident anything will improve, so I've decided to file this complaint. All of my contacts to both XXXX and FedLoans were completed digitally, so I have full records of all responses if needed later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Today I was told by XXXX a supervisor At EXPERION. that I will not be helped. Because they have nots in my file. Have a nice life and hang up on me. ( They are not happy because every month they have fraudulent attempt to lower my score ). And I catch it every time. Attachments show the lies EXPERION tell so at this time they are cleverly displaying that they were not remove therefore see generated score factor. Why why why me lord.

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 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
On XX/XX/2020 I received notice from Contract Callers, Inc ( CCI ) ( dated  XX/XX/2020 ) stating that I owed a debt from a recently closed XXXX   account. I had previously received a notice from XXXX that I was owed a credit on the account - so I called XXXX to find out what happened. 

I called XXXX and verified my XXXX balance  ( with a credit ) and they stated that a statement and check was mailed to me earlier in the week -- and if I didn't receive it in a few days that I can go to a XXXX XXXX  XXXX  ( there is one near my  house ) to get an updated statement balance /account history to verify that I had never been delinquent in payment. They also stated that they did not see any collection information in my account - and the woman I spoke to said that she had never heard of Contract Callers, Inc. 

I called Contract Callers Inc - and they confirmed via phone that my account had been sent to them in error by XXXX, that XXXX had " taken it back '' and I could disregard the letter. To ensure that I had covered all my bases, I asked to receive an updated statement balance from CCI stating that there was an error/XXXX balance or that my account with them was closed/returned to XXXX -- and they said that they could not do that. 

The two individuals I spoke with ( XXXX XXXX and XXXX XXXX ) both said that they were not able to do anything except collect balances and even though they could see my account information and share verbally what happened with the error and XXXX balance - they have no way to verify it with me in writing and suggested that I can take their word for it. It is worth noting that both individuals were professional and kind in our discussion - it just seems ridiculous that the company that they work for has policies that prevent them from helping customers resolve and document their accounts.

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 2020-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC
State: PA

Complaint narrative:
On XX/XX/2019 we purchased a home with Financed of america mortgaged was are lender. we Harley had not that much communication by face to face only by phone and email. we did the settlement and was not explained that much information on the papers we signed and we didn't know about the two mortgages that we signed. One month later we received a paper from a company called state bridge its a company that is a collector we called because it was a bill on the amount of XXXX. we were told that its a loan that we took out for the house. we told them that we never asked for a loan for the house we were told that we only need so much down. But the XX/XX/XXXX said that finance of america mortgage does not tell the people that they need more money for the down payment so they go ahead and take out a loan in are name with out telling us.. we were never told about anything in the prepossess of the house. we think this is a fraud of this company to take out a loan with out are consent. that's why i think this company should be investigated we are not the only one that finance of america mortgage does this to us its been done to other people and they have to pay for a loan that they never asked for. the day of settlement we were not explained anything on the papers that we signed or why we had two mortgages. everything was a go go and never explained any paper worker that we signed. and they also threat you that if you don't give them information so that they can do their closing by such time that they will proceed with that if you don't give them the documents they have the option to pull the note meaning that your loan will be due in full. this company is a fraud and i think it need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I received a notice from Convergent Outsourcing Inc stating the original creditor was XXXX XXXX XXXX XXXX which is my current loan for my vehicle and I do not have an outstanding balance with them!

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 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Credit and Collection Service, Inc.
State: OR

Complaint narrative:
I am having an ongoing issue with a collection agency attempting to collect on a debt which has been disputed to no end by myself and which they have refused to investigate as outlined by the FCRA and with specificity to the Fair Debt Collection Practices Act. 
The company of which I speak is : Capital Credit & Collection. 
On numerous occasions I have disputed with them and requested documentation in hard copy, I have requested information that does not consist of them sending me a bill. They refuse to provide anything other than their bills and their letters threatening and seeking to force payment. 
I am asking this agency 's assistance in this matter. 
The matter needs to be investigated in a timely fashion as I have asked them numerous times, and if it can not be verified, which I believe they can not do since they have always avoided to assist me, then I ask it be removed from XXXX, XXXX  and XXXX  and anywhere else it is being illegally reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rozlin Financial Group, Inc.
State: NY

Complaint narrative:
Rozlin Financial just opened a debt t on my credit report as collections .... this account was taken off my credit report as a bankrupcy years ago and now they opened it again ... it was through XXXX ....

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
the Colorado attorney generals office refured me to you. i have been a paypal customer for way over 20 years, and have mostly used it for ebay. last year i bought a paypal prepaid debit card, bought several things with it and reloaded money on it. they sent me a permanent card to my home address. i sold several things on XXXX and linked my online paypal account with the paypal debit card to get paid. they promptly froze my account saying they suspected fraud. i sent them copies of my state id, my birth certificate, my passport, mail addressed to me ( they had already sent me mail that i had responded to ) they have links to my bank accounts that i have paid with over the years. i went round and round with them jumping through their hoops, and nothing unfroze my account. i then said i wanted to cancel my account and they said it would take months and wouldn't, than said i had to resolve the issues with the account before they would cancel, as if i hadn't already spent hours jacking around with them. i am beyond XXXX off, if i was paying myself by the hour for all the time spent jacking around with these people, i have already spent way more then they have stolen from me. at this time the little money that they took is nothing, i'm XXXX about my time that they have wasted. i want to do anything i can to cause them grief. i want to close the account and i would love to see a hefty fine levied for paypal

Company response to consumer: Closed with explanation