vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Auto Masters, LLC
State: TN

Complaint narrative:
I have filed a complaint with Tennessee  XXXX   XXXX   XXXX . I plan to file with the BBB and a law suit to follow. I believe this company has set up there computer programs to charge customers late fees, regardless if that payment is late or not. I have a ledger uploaded with more than {$3000.00} in late fees. Some examples are as followed ; On  XXXX / XXXX / XXXX  a partial payment was missed.  XXXX / XXXX / XXXX  a payment was made. On  XXXX / XXXX / XXXX  a non sufficient fund charge of {$96.00} was charged  (  for the  XXXX / XXXX / XXXX  payment ). on  XXXX / XXXX / XXXX  another payment was made. Auto Masters then charged a late fee to every payment made after that non sufficient fund charge, ever made for the next  XXXX  yrs. Payments that were made on time, where charged a late fee.  XXXX   XXXX  on  XXXX / XXXX / XXXX  stated, they over charged us by {$30.00} and offered to credit and defer the balance by adding it to the end of the loan. Auto Masters has charged over  XXXX  payments a late charge indiscriminately. Around {$3000.00}. After that initial missed partial payment. Extra payment were made noticeable  XXXX / XXXX / XXXX  {$400.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$230.00}.  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$180.00},  XXXX / XXXX / XXXX  {$200.00}. No matter how much we missed, or over paid, every payment was given a {$30.00} late fee. If we were short {$5.00} on a payment, they charge a {$30.00} late fee. If we paid a extra {$200.00} that month, they charged that payment {$30.00} late fee. I even mentioned a issue with the car, where we were promised a reimbursement of gas. During this process of complaining about the late fees, Auto Masters reimbursed us for the gas. It appears they took a late fee of {$30.00} out of the reimbursement on  XXXX / XXXX / XXXX . As of  XXXX / XXXX / XXXX  I began making the car payments, there was a miscommunication with my roommate. She told me car payments were {$230.00} due the  XXXX  and the  XXXX . I have been paying over the amount due, yet none of it went to the principal. They stole the extra money by indiscriminating charging late fees to every payment made. This horrendous action has continued for  XXXX  years of the loan. I believe if investigated, the company will be exposed for taking ten of thousands unjustly from the customers. They are taking from the community, a community of military, veterans and their dependents. Customers who are struggling financially or credit wise or both. The way they administer their fees is predatory and should result in a audit of their fee practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems Inc st ated that I owe {$1000.00} To  XXXX   XXXX  Apartments. I have been to the apartments which no longer exists and to the courts which no longer have any records of this

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
When I first started paying back my loans in   XXXX   Navient stated my payment would be {$150.00} a month. When I received my first bill in  XXXX  of     XXXX   my first payment was actually {$170.00} dollars. They also stated I was enrolled in a program where I would pay for 120 months. Turns out, Im not enrolled in that program. They state I make too much money to be on an income driven payment program and that is why my payments are {$170.00} a month. But oddly enough, I have two other loan companies, My   XXXX   XXXX   and  XXXX   XXXX   XXXX  and I am on a repayment income driven plan with them. If all loan companies are supposed to follow the same guidelines because they are overseen by  The  Department of Education then why am I not qualifying for income driven with  XXXX . I work for a non profit organization and do not make that much money. It is difficult to stay afloat when I have to pay my student loans on top of the rest of my bills. The other two companies have made it easy to pay/ Navient refuses to enroll me in the income driven program

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I have no recollection of any business transaction with either " The   XXXX   XXXX   XXXX   '' or "   XXXX   XXXX   ''. Currently these " organizations are reporting a delinquency with the  XXXX  major credit reporting agencies. After my own investigation I confirmed with the California  Secretary of State th at neither " company '' has a valid and current  Corporate  status. In fact both have been suspended and are now illegally operating.        XXXX   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 monetary relief
Consumer complaint received 2017-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX      XXXX   XXXX   &   XXXX   XXXX   XXXX     by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letters & they completed the request. The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same resp onse for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response back in less than 7 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2017-05-01 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: SC

Complaint narrative:
I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX  ,   XXXX   XXXX   &   XXXX   XXXX   XXXX     by certified mail in order to dispute information, in regards to  10  hard inquiries, that was being reported on my credit report. They received the letters & they completed the request. The request that I submitted included 10 Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623  ( b ) (  2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response back in less than 7 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: WA

Complaint narrative:
I did n't even live at the  XXXX   XXXX   XXXX   (  XXXX , WA )  during the period that they 're trying to charge me for. It 's extremely obvious that I moved out on  XXXX   XXXX ,  2015 . Anyone that can read the " Move Out Statement '' that they sent me can read that my Lease was over and I moved out on  XXXX   XXXX ,  2015 . Yet somehow they 're repeatedly sending me bills for  XXXX   2015 ? Even after I 've notified you that your information was inaccurate and you were harassing me with incorrect information???   This is causing additional  XXXX  to me during a period that I am in and out of the hospital for  XXXX   XXXX . I do n't owe any money at all and was given multiple assurances from staff at  XXXX   XXXX   XXXX  of this in  2015   ( yet two  years later I 'm still being harassed, this is ENOUGH ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
My home purchase closed   XXXX   XXXX   XXXX    , with the first payment due   XXXX   XXXX  . My mortgage lender sold the loan to LoanCare , LLC for servicing. My lender tole me I would receive paperwork from  the servicing company a nd not to worry if there were " a little slow '' because I would n't be charged a late payment. Having received nothing by   XXXX   XXXX  , I contacted my lender, who tole me the correct payment amount and emailed me a copy of the notice of assignment. He recommended calling the company to verify the address to send payments. On   XXXX   XXXX  , still having received nothing fro m LoanCare, I called the number on the notice of assignment. The automated answer system a  sked for my account number, so I entered the loan number on the notice of assignment and was informed that was not a valid account number. I was able to continue by entering my SSN instead. I   was treated to an extensive automated run-around that lasted nearly 10 minutes. It finally gave me an option to speak to a live person, and when I punched that number on my phone, the system cut me off. I tried calling back and was cut off much earlier in the run-around. The phone system had informed me of a web address for LoanCare, so I tried th at next. The website also informed me that my loan number was incorrect, and it did not offer an alternative os using my SSB, so I could not proceed. I had no choice but to send my payment to the address on the notice of assignment and hope for the best. I included a somewhat tart letter outlining my significantly negative experience and suggesting the least the company could do would be to inform me of my correct loan/account number. They cashed my check but I have received no communication whatsoever. On   XXXX   XXXX   XXXX    , I again contacted my lender asking where I could file a complaint.

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 2017-05-01 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: AL

Complaint narrative:
I have disputed a fraudulent account with Equifax 3 times regarding the removal of a fraudulent account regarding  XXXX   XXXX . I received a letter dated   XXXX     from Equifax stating that   XXXX   XXXX   verified the account. I called   XXXX   XXXX   and was told there was no correspondence from Equifax. I called Equifax today  [   XXXX / XXXX /  XXXX    ]  back and they told me to tell  XXXX   XXXX  to contact their business line then they told me the account was still pending. If it is still pending then how did I receive a letter stating it came back verified?! Equifax is not fully investigating this account as they said they would. I 've sent in police reports and Equifax is still refusing to properly investigate AND delete this account! I 've also sent in proof regarding  XXXX   XXXX   XXXX  had me under an account with an address I 've never lived at and a name that is not mine and Equifax is still neglecting to delete this account with PROOF of inaccurate info. I need for someone to help me resolve this issue ASAP as I 've been fighting these two accounts for over a year! They are the ONLY ones that are giving me a hard time.  XXXX  and   XXXX   are properly investigating and deleting these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
in response to CFPB   XXXX   XXXX    TODAYS   DATE  XXXX    XXXX ,   XXXX   XXXX   SOC SEC  XXXX    XXXX   DOB  XX/XX/XXXX    ADDRESS   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX , FL  XXXX  To  Whom It May Concern Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods   Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key p ieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you.    TODAYS DATE: XX/XX/XXXX    XXXX   XXXX   XXXX   SOC SEC  XXXX   XXXX  DOB  XX/XX/XXXX    ADDRESS   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On  XXXX   XXXX ,  XXXX  we moved in this apartment at  XXXX   XXXX   XXXX   XXXX .  XXXX , TX.  XXXX  and moved out to  XXXX , TX. on  XXXX / XXXX / XXXX , we paid everything that they required under the leasing contract, we had a walk-thru with th e Property Manager   XXXX   XXXX  and delivered her the apartment in top structural and sanitation condition, we signed a release form with her and moved out, to our surprise, abo ut 3-4 months later we got a letter from her stating that we had a balance of {$120.00} due to carpet damage, cleaning of tub and hangers ; we delivered the apartment in a very good condition, the carpet was shampooed and no tear or spots on it, the tub and hangers were totally clean and disinfected by us . We think that since we were selling some items to avoid transporting and braking them, we had offered her our new TV set for a price that she did not want to pay and she was hoping that we were going to let her have it for peanuts. We did not sell it for such a low price and decided to bring it with us, so she got upset and later started this false accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: VA

Complaint narrative:
I fell behind on my mortgage  with PHH Mortgage Services. We made a payment agreement and I was due to make a payment. However, when I went to make a payment I was locked out of the website payment method, and I was also locked out of the phone payment method. I attempted to call the servicer and left at least two messages with no return call. Something tells me that this business practice is not ok. Why would you lock out people that need to make payments? I am sending a check certified mail ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On or about  XXXX ,  2017  I was informed that I had to appear in court on  XXXX   XXXX ,  2017  to answer a Complaint for Damages. I do not have a recollection of owing a debt. Furthermore the alleged debt has no standing in court as the statute of limitations has run, the affidavit submitted in support does not identify an account number associated to me, and the company  Calvary SPV I LLC and a ttorneys  XXXX ,  XXXX  and  XXXX  knew or should have known that this is a zombie debt and this is a form of harassment knowing that the law suit filed can not be maintained. How many law suits like this are being filed. Below I have listed the name of the company and attorneys addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Netspend Corporation
State: RI

Complaint narrative:
I have not applied fo r a Mastercard from NetSpendSmallBusiness.com, but I 've received one in the mail. I do not want the card, nor do I w ant them to mail me any additional cards. It is my understanding that sending a person an credit card that they did not apply for is illegal. There is a number on the card to " activate '' it,  XXXX   XXXX . The number also appears on the back. I called the number, not to activate it, but to complain. My only options were to activate it, or provide them with my social security number, which I was NOT going to do. I feel t  his may be a scam.
I have had trouble with the risk of identity theft,   and my credit is frozen. They should not have been able to process a card for me. I 've called  XXXX , and there have been no inquiries by this company.     These people should be held accountable for breaking the law.     My name is  XXXX   XXXX . My telephone number i s (   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
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
On  XXXX   XXXX    XXXX   I received a letter from  XXXX   XXXX   XXXX   XXXX  stating I owe {$370.00}. I decided to call the number on the letter  XXXX  and I had a lady answer and said her name really fast and told me she was recording the call. She asked how I wanted to pay the account. I told her I had questions as I dont recall owing {$370.00} to   XXXX   XXXX   I asked her to verify name and social on account and she replied by saying that was not her job. She then asked me again how do you want to pay this debt of your and do you agree this your debt? I replied by asking her this account is not mine and to please verify my social security number and she became angry and said that was not her job to do so and hung up on my call. I contacted   XXXX   XXXX   the original creditor according to the letter. I asked them to verify my account and they said they had no account under my ssn.

Company response to consumer: Closed with explanation