vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CT

Complaint narrative:
PROBLEM # 1 WHEN DISCOVER TOOK OVER SERVICING MY STUDENT LOAN FROM XXXX THEY ADDED OVER {$7000.00} TO THE BALANCE, I DEMANDED AN EXPLANATION IN WRITING AND THEY REFUSED. AFTER DOZENS OF PHONE CALLS ALL I WAS TOLD THAT IT WAS AN ERROR FROM INTEREST WHILE I WAS IN SCHOOL. I REQUESTED SUBSTANTIATION AND THEY REFUSED. I BELIEVE THIS CHARGE TO BE ERRONEOUS AS DISCOVER TOOK OVER MY LOAN 4+ YEARS AFTER I GRADUATED.

PROBLEM # 2 DEFAULTED ON THE LOAN AND NEGOTIATED A 20 % BALANCE REDUCTION AND 0 % INTEREST IF PAID BACK WITHIN 60 MONTHS WITH AUTO DEBITED PAYMENTS. HAVE HAD {$890.00} AUTO DEBITED FROM MY CHECKING ACCOUNT MONTHLY YET THE REPORTED BALANCE ON MY CREDIT REPORTS DOES NOT REFLECT MY NOW 4+ YEARS OF PAYMENTS. 

PROBLEM # 3 CREIDT REPORT SHOWS THAT THEY HAVE REPORTED MY ACCOUNT AS CLOSED, WHICH IT CLEARLY IS NOT PROBLEM # 4 THEY REPORTED TO THE CREDIT REPORTS THAT THE ENTIRE BALANCE WAS CHARGED OFF, WHICH IT WAS NOT SINCE THEY HAVE BEEN AUTO-DEBITING A MONTLY PAYMENT FOR 4+ YEARS. 

BANK RECORDS CAN BE PROVIDED SHOWING THE AUTO-DEBIT, UPON REQUEST. THE LETTER ABOUT THE $ XXXX ADDED IN XXXX WAS LOST WHEN WE WERE THE VICTIM OF A XXXX  IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: CA

Complaint narrative:
They are not responding to my letters when I specifically told them to talk to me in a written correspondence. They have called me 5 times after receiving the letter

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 2021-10-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
A rate was locked at 2.375 % to refinance my home with Ally bank. All steps were followed for data collection and an appraisal was conducted by an outside third party. The appraisal report came back filled with a number of statements that were false ( appraiser stated we spoke a number of times, requested specific information be included, etc ). He came to our home the day of the appraisal, he walked through our home, and then left and we never spoke again. 
I find this to not only have sabotaged a refinance due to a low rate not wanting to be honored but I was also charged the {$550.00} for the appraisal yet no one will explain to me why its acceptable to supply a report that has false information in it. When dealing with such important things such as someone's mortgage I feel that ethics is a very important items to uphold and when a bank can accept false information I do feel its not only wrong but unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I was alerted by repeated harassing phone calls that I had a balance at XXXX for medical debt IN TOTAL OF {$560.00} for XXXX XXXX  ( XXXX XXXX ) when I had already paid off any outstanding debt directly to XXXX XXXX. I contacted XXXX XXXX multiple times on the phone and even emailed receipts of my payment to them, they refuse to acknowledge my payment receipts instead repeatedly emailing me how I was charged. The Merchant collector does not acknowledge that these amounts were already paid either, even though I have receipts and the money was withdrawn from my accounts. 

Here is one of my emails to XXXX XXXX I called the Merchant and they said I had {$560.00} owed to you, which I don't understand as seeing you have only billed me ( incorrectly ) for {$180.00} and in my payment history I have indeed already paid this exact amount in XX/XX/XXXX -- - this needs to be removed from my credit report as I only owe {$180.00} as of today and it seems your company has not updated the debt collector. In addition, it seems I have also been incorrectly charged for {$180.00} TWICE on XX/XX/XXXX. I have attached the paid bills receipt. The double charge is what apparently I " owe '' and I am out of medication due to an error on your end it appears. This needs to be resolved immediately. Furthermore, I have already paid a seperate fee for any no show appointments that was {$560.00} in total. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
the company is lendmark financial. i recently asked the company if i could borrow up to {$800.00} to help me catch up on my mortgage payments. the lady informed me she would send it to underwriting to be approved. she informed me that if she didnt get a hold of me the day i applied for the loan, she would call me the next day. but she never did call me back. at least give me a courtesy call. i do not appreciate their business and shady tactics and i had my bank put a stop payment on them from taking money from my account. they could have at least given me a call back or something whether i was approved for the loan or not. but that's ok as a XXXX veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Harbour Portfolio Advisors, LLC
State: KY

Complaint narrative:
Harbor Portfolio XXXX and I, executed an Agreement For Deed ( ( Land Contrat ) t ) on the property at XXXX XXXX XXXX in XXXX, KY XXXX, without my knowledge or consent, this Mortgageor sold the property, for which we had this contract, but continued to receive my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: U.S. BANCORP
State: AZ

Complaint narrative:
ELAN FINANCIAL SERVICES is continuing to report false data about an account balance and active account. This account was closed back in XXXX and has a XXXX balance. This was a Secured Credit Card. I already received the secured deposit back.

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 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
1. I was sent {$990.00} via PayPal over three weeks ago and I still am waiting for the final dispersement of those funds to me.

2. I was, before the funds were frozen, allowed to spend a token amount with no notification that they would take access to the funds away.

3. At every option, I chose to pay extra for instant payout services and never received them.

4. I have paid nearly {$200.00} to PayPal in processing fees that did not result in the expedited action that was to occur. {$990.00} has been reduced to {$810.00}, and I still havent received the last {$210.00} of that. I received no benefit from selecting these " instant transfer '' options, instead experiencing serious financial hardship.

5. PayPal 's policy to return the fees if the transaction is delayed for any reason, displayed prominently whenever an instant transfer is offered, has not been honored for transactions throughout this ordeal -- they refuse to make good on their promises, defrauding me, and likely other customers, effectively holding onto funds without providing any reason at all, and taking additional money into their possession for expedited services they have no intention to provide.

6. In response to queries regarding the status of the funds, a common theme is to claim that they can not disclose reasons for " looking into '' aspects of the holds, citing their use of technologies that do not allow for said insight or overrides to do the right thing and release my funds after promised periods of time.

7. PayPal is in violation of laws, rules and regulations on various levels designed to prevent huge companies from harassing their customers like this, causing financial distress and reducing the customers quality of life.

8. I am demanding an explanation of said delays, a refund of all fees assessed for services not rendered, and a full and final release of my funds into my possession. If penalties are available to prevent PayPal from harassing others with their awful practices, I implore the CFPB to pursue them or give me the option to do so.

Thank you. A fast review of this companies practices would be great as I can't by food or tend to my responsibilities if I don't have access to this valuable resource.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have been disputing an XXXX account reporting on my credit since XX/XX/2020 and it has not been properly validated. 

Another issue is that they are reporting a charge off status past the charge off date which is a clear FDCPA/ FCRA law violation.

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 2021-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
My Mr. cooper mortgage account states that PMI was due on XX/XX/2021, and my Escrow includes reserves for these payments, but none have been made. Mr. Cooper reports that they do not know why and need to investigate why, meanwhile my PMI appears to be 6 months overdue. While they haven't attempted action against me for this, nor should they as it is the Mortgage company, via escrow, who should be responsible, but I don't want to suddenly discover I'm in trouble because somebody screwed up. Given my prior complaint about Mr. Cooper misappropriating escrow funds, I have low confidence and need to ensure there is some external oversight and record of my attempts to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XX/XX/XXXX I sent Navy Federal Credit Union a letter for Validation of a Alleged debt under the Fair Debt Collection Practices Act, On XX/XX/2021 they received it. 

The letter Clearly states that Navy federal Credit Union had 30days to validate the account and respond to the account listed on my XXXX account and they failed to respond in the allotted timeframe bearing my signature meaning the original contract. 

The letter also states that their claim can not and will not be considered if any portion of the form I sent is not returned and completed with all requested documents, they failed to do that as well in accordance to the Fair Debt Collections practices Act within 30 days It is now XX/XX/2021 and Navy Federal sent me a letter with none of the information requested, no documents bearing my signature.

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 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
p have my report and called them and told them that some of the information they were reporting wrong and also i was in a bankruptcy and they refuse to take my bankruptcy information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I requested an international wire transfer with my bank, Discover card, on the following dates, XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. On XX/XX/XXXX, I found out I was scammed so I called Discover card that I was scammed with those amount. I asked the lady on the phone is there anything we can do to reverse or cancel the transaction. She apologized there is nothing that the bank can do since the money had been wired out. On XX/XX/XXXX, I found out from another bank that all bank does swift recall meaning the sender bank can reach out to the recipient bank and put a freeze on the amount that was transferred. So I called back to Discover card and requested a swift recall on those amount since it was a scam. I am upset because the swift recall could have been done a lot sooner and the lady on the phone was not genuinely concern that I had been scam. This delay the dates on the recall by 3 business days and this allow the recipient to withdrawn the money from the account. I am also upset that the lady was not aware of such recall exists and that the transaction can be freeze instead I was told there is nothing that the bank can do. The lady who helped me was not knowledgeable about the recall and she was clearly incompetent at her job especially such a large amount of money XXXX total was involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
This letter is to express grievance with XXXX XXXX XXXX XXXX for unfair late fee charges that run contrary to Texas Codes, specifically : Texas Property Code 92.019.

Texas Property Code 92.019 prevents landlords from charging more than 10 % of monthly rent for late fees. On 4 occasions, XXXX XXXX XXXX XXXX issued late that exceeded the state allowed amount by more than 60 %. According to Texas Property Code 92.019, because my rent is XXXX XXXX monthly and more than 4 dwellings are housed in the building, late fees should be {$68.00}. 

On the following date, XXXX XXXX XXXX XXXXXXXX fined me {$160.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX Furthermore, XXXX XXXX XXXX XXXX disobeyed the CARES Act moratorium that prevents landlords from charging late fees from XXXX XX/XX/XXXX. However, XXXX XXXX billed late fees on the following dates : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I spoke with XXXX on XX/XX/XXXX who refused to give me his ID number. He was advised that i refused to pay an alleged debt. He told me the debt is mine because he can see the balance owed/due and the last time it was paid. I advised that i am disputing the alleged. The company updated the status on their website to say this is not an attempt to collect a debt however on XX/XX/XXXX they removed {$390.00} from my checking account without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank opened up a credit card in my name through XXXX XX/XX/XXXXcancelation fee for services and is charging me for late fees of a credit card when I didn't sign up for the credit card.

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 2021-10-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is misreporting my auto loan status as a Charge-off from XXXX to the three credit bureaus in error. 

When my vehicle was totaled in XXXX the XXXX GAP insurance on the auto loan should have paid the remaining balance, as promised. XXXX XXXX XXXX XXXX sent me a confirmation in XXXX that my GAP insurance ( see attachment ) coverage would pay the remaining balance and that I just needed to complete their 3 steps to activate my GAP which I completed right away. 

Three years later in XXXX of XXXX when I was refinancing my mortgage, and my lender pulled my credit reports I discovered my old auto loan was reporting as an unpaid charge-off account. I only then realized that my GAP insurance didn't pay out. 

To quickly rectify the situation and get my refinance done, I paid the account off immediately then I contacted my GAP insurance and they issued me a check to re-imburse me a few months later ( see attached ). What they failed to do though, is correct my credit report to remove the negative marks which were dropping my credit scores 60-80 points. The account should have been updated to report correctly on my credit reports as a CLOSED account that was never past due and definitely not charged off since my GAP insurance was through my auto lender it was their error that GAP didn't pay out timely, not mine. 

I am currently in the process of refinancing my house again, and when my credit was pulled, I noticed the account is now being reported as a PAID charge-off with a date of last activity in XX/XX/XXXX. Again, the account should have never reported as delinquent as it was a clerical error with GAP insurance that was out of my control. Yes, the financial part of the issue was fixed however the credit issue has not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is misreporting my auto loan status as a Charge-off from XXXX to the three credit bureaus in error. 

When my vehicle was totaled in XXXX the XXXX GAP insurance on the auto loan should have paid the remaining balance, as promised. XXXX XXXX XXXX XXXX sent me a confirmation in XXXX that my GAP insurance ( see attachment ) coverage would pay the remaining balance and that I just needed to complete their 3 steps to activate my GAP which I completed right away.

Three years later in XXXX of XXXX when I was refinancing my mortgage, and my lender pulled my credit reports I discovered my old auto loan was reporting as an unpaid charge-off account. I only then realized that my GAP insurance didn't pay out. 

To quickly rectify the situation and get my refinance done, I paid the account off immediately then I contacted my GAP insurance and they issued me a check to re-imburse me a few months later ( see attached ). What they failed to do though, is correct my credit report to remove the negative marks which were dropping my credit scores 60-80 points. The account should have been updated to report correctly on my credit reports as a CLOSED account that was never past due and definitely not charged off since my GAP insurance was through my auto lender it was their error that GAP didn't pay out timely, not mine. 

I am currently in the process of refinancing my house again, and when my credit was pulled, I noticed the account is now being reported as a PAID charge-off with a date of last activity in XX/XX/XXXX. Again, the account should have never reported as delinquent as it was a clerical error with GAP insurance that was out of my control. Yes, the financial part of the issue was fixed however the credit issue has not been.

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