vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 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: I.C. System, Inc.
State: TN

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your 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 2021-08-16 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: VA

Complaint narrative:
Hey are you guys doin?, I sent you my disputes on XX/XX/2021 but seem like your doin nothing. I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. just what the XXXX is this???? This is clearly a violation and negligence. I am keeping record of everything because if you continue to ignore my disputes I swear Im goin to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Coinbase, Inc.
State: TX

Complaint narrative:
Filed previous complaint with CFPB against coinbase for inability to access account. I had been locked out of my account for over 3 months. Previous complaint was resolved with ability to access my account restored. That ability lasted about two weeks and then access has been denied me again with coinbase requiring me to give proof of my identity which I did as requested. They were supposed to respond within 48-72 hours it has been over a week now and I still do not have access to my account. They have sent an email saying the case is closed. I still do not have access to my account as of XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
On XX/XX/2019 i got into a car accident in XXXX, TX. They flew me to a Military Hospital In XXXX XXXX, called XXXX XXXX XXXX XXXX. Its been 2 years now and they are taking 15 % out of my paychecks, and threatened my boss if he didn't. I'm a single mom. My money is limited, and I have bills to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Repeated collection reporting without providing 100 % accurate verifiable information. 
I have asked in writing multiple times to provide documentation showing I authorized opening account from original creditor and/or my authorization debt be transferred to another debt collector. 
Balance : {$2000.00} Balance : {$840.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
In my previous CFPB complaint id XXXX submitted on XX/XX/2021 Amerisave Mortgage Corporation promised us a {$500.00} refund on our application fee. They stated in their response on XX/XX/2021 : " As a courtesy, AmeriSave will refund the {$500.00} Application Fee to the credit card initially charged within 3 to 5 business days. We trust this matter has been satisfactorily resolved. '' As of now, XX/XX/2021 this {$500.00} refund was never received. That over a month after the promised 3 to 5 business days. We continue to be disappointed with the service provided by Amerisave.

We have no way to contact the appropriate department at Amerisave as no contact information was provided in their CFPB case response. Hence we now have to open another case for our {$500.00} refund.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
I paid XXXX - XXXX over the required payments .... I have 2 interests rates. 5.99 and 6.99 %. 

I expected the extra XXXX to go to the 6.99 % intersest - it did not ... only {$60.00} went to the 6.99 rate. 

The customer rep told me the apply the interest towards the lower rate. 

XXXX XXXX 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 explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
I called Debt Recovery Solutions , LLC asking them to verify the debt that said is owed. They also received a certified letter asking to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Debt Recovery Solutions , LLC was ask to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing signature. I sent them a letter twice and the information was never verified. I never have taken out a online loan with this company or any other company. They sent me a computer print out without verifying any info that was ask to verify. This company reviews look like they are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently sent letter, dated XX/XX/XXXX to Equifax, regarding inaccurate information that they have been reporting on my credit report. That information is the following ; XXXX XXXX XXXX XXXX from XX/XX/XXXX, XXXX XXXX from XX/XX/XXXX, XXXX XXXX, Dept of Education, and Child Support. Its been 45 days and i have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I filed a complaint against Fifth Third Bank last month because they charged me a {$25.00} service charge on a checking account with a XXXX balance. I just received a letter from Fifth Third stating my savings account was overdrawn by {$5.00}. This account has had a XXXX balance since XX/XX/21 and the service charge was applied on XX/XX/21. Just like the checking account issue Fifth Third 's online application does not appear to have a feature that allows a consumer to request the account be closed. 

Clearly Fifth Third has automation routines that create these overdraft notifications, they should also use automation to stop applying service fees on XXXX balance accounts instead of relying on consumers to go through a notification process to have these charges reversed. That would be a " Fifth Third Better ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hey are you guys doin?, I sent you my disputes on XX/XX/2021 but seem like your doin nothing. I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. just what the XXXX is this???? This is clearly a violation and negligence. I am keeping record of everything because if you continue to ignore my disputes I swear Im goin to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out and youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.

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 2021-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I called PHH mortgage today at XXXX CST by dialing XXXX. I was routed to an individual in the insurance department. She answered my questions regarding an escrow balance which she answered just fine. A couple of minutes after I hung up the phone, I received a call back from her. I immediately recognized her voice. She said that she was calling from the PHH insurance department, asked to verify my address and last four digits of my social, which I provided. As soon as I had done that, she hung up. 

This struck me as odd. The call disconnected right after I provided personal info. I tried calling her back at the same number she called me from ( XXXX ) and it turned out that the number is not functional. I googled that number and it seems that phone number is associated with an identity theft ring. 

I am concerned that a PHH employee is utilizing firm resources to gain access to clients ' info. I am concerned that my information was just compromised. 

I would like for someone at PHH to pull my call, research this situation, and get back to me ASAP with a resolution. 

I called PHH twice and asked to speak to a supervisor. On both occasions, my call was disconnected after a long wait. Im concerned that PHH has weak controls and is not concerned with protecting my personal info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
I have had an account show up on my credit report from Enhanced Recovery Compan, in the amount of {$1300.00} from Original Creditor XXXX XXXX I have never had an account with XXXX and this debt is not mine. The following is all the information found on my credit report. This same account has shown up on my credit report from another creditor call XXXXXXXX not sure when it was switched to ERC, but I have tried disputing through XXXX XXXX, but it is still on my report. 

Creditor Information ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Opened : XXXX XXXX XXXX ( 4 mos ) Account status : Open Type : Collection Account Responsibility : Individual Remarks : Placed for collection Original Creditor Name : XXXX XXXX XXXX Closed : No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I, XXXX XXXX XXXX am submitting this complaint on my own behalf, again, after numerous attempts to resolve this. Please due not mark this as duplicate as I have no other channel to report this matter before pursuing legal counsel. Please accept this complaint. 


Facts : I have disputed these accounts through each credit bureau XXXX and XXXX and the company has retaliated by placing past due payments on my credit file for debts that I dispute and do not own. 

I demand this company stop reporting false information and harassing me to pay debts I do not owe. If I am not able to resolve this, I will need this escalated to someone who can help protect me. 

This is illegal and according to Midland Fundings legal record, this is common practice to coerce people into paying unvalidated debts. I will not be bullied by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has been charging me interest on a cash advance withdrawal from 7 years ago that's been paid back 5 times over. 
This has made it impossible for me to catch up with payments. 
They also charged me overlimit fees that they refuse to take off making it more impossible to pay on the credit card. 
This has also hurt my credit rating. 

I'm sure Capital One got PPP loans to help themselves through the corona virus pandemic. Yet, they won't help consumers in these challenging covid19 times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
USAA charged me {$240.00} on XX/XX/2021 for accessing my own money, contrary to what i was told by USAA Representative that it was my money and i could access it anyway without any USAA fees or charges. 
And on XX/XX/2021 USAA charged me XXXX cents for interest. 
Where is the balance that i owe? that i am being charged interest on?? 
For years and years, I always pay off my FULL balance, long before the due date. 
There is obviously glitches on USAA 's systems! 
Where there is no money borrow or loan or advanced or even outstanding, why am I being charged interest??? 
Why the XXXX, am i being charged fees and now interest on my very own money???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Good evening, My wife and I were on a forbearance program when PHH Mortgage services bought our loan. The information was not transferred correctly so they came after us. After they found out everything was already in the process, they placed us on their forbearance plan. When it was time to pay the mortgage again. They wouldn't allow us to do so unless we mailed in a cashier 's check. We have no way of monitoring our payments. I have been on the phone with them and have had to start recording our conversations because they are telling me that there is a lien on the property but there's not. I have the paperwork to prove it but they won't take it and they don't care. They refused to listen to what my wife and I had to say. They keep telling me that their system will not allow me to make a payment online or with a debit card. They have been sending me letters in the mail about being behind and in default and each time I call they just tell me that it's an automated system and that my account is in good standing. This doesn't make sense to me and I'm worried that they're taking my money and then going to take my house. I have saved the receipts from when I have sent them money but when I called the rep told me that I was 10 payments behind, their paperwork says the same thing. Were not though. I've heard nothing good about PHH and I'm starting to see why. They say someone is going to call and help me but nobody ever does. Lob story short, they're saying my house doesn't have a clean title. THats what title insurance is for so if there was an issue, I am protected and they should allow me to operate in a normal manner. Not to mention, this is the second company to own my mortgage and we had zero issues with the first company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
Better.com uses XXXX as a lead aggregator. The rates offered on XXXX differ materially from those offered on Better.com. This appears to be misleading advertising. When asked to explain Better.com does not respond. In addition, Better.com advertises online as being an online direct lender with easy applications. However, their website is broken ( multiple errors ), their integration with their primary credit agency ( XXXX  ) as well as secondary credit agency ( XXXX  ) does not work in my case. Better.com also advertises that they can be reached by phone. However, nobody answers the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LendUp Loans LLC
State: CA

Complaint narrative:
Repeated reporting of a debt without providing 100 % accurate, verifiable information. 
Balance : {$1000.00} Balance : {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I decided to zero out the Comenity Bank credit card in XX/XX/2021 due to 1 ) not being able to use the credit card at all, 2 ) due to the outrageous amount of money I had paid for 2 fishing poles from XXXX XXXX, which was my only purchase. In XX/XX/2021, the balance was {$37.00} and there had been no additional charges. Prior to the due date or either on the due date, I was given the run around when I tried to pay off the {$37.00}, I was told I had to pay {$35.00} in store and pay the additional {$2.00} over the phone or online. So on the same day I made two payments equaling the exact amount of what was due. During the said day, I spoke with two maybe three customer service representatives and I advised that I was not happy, and that I wanted nothing more to do with Comenity Bank since my credit limit had been cut in half due to me not using the card, and secondly because I could never use the card to make any purchases only the first for the two fishing poles. After the last and final payment in XX/XX/2021, I was advised that the balance was {$0.00} and that I would be in jeopardy of Comenity Bank closing the credit card if I did not use the account/credit line. Again, I could not use the card and I was not interested in doing further business with Comenity. Fast forward to XX/XX/2021, Comenity Bank has somehow charged my {$2.00} in the month of XX/XX/2021. I was not aware of the {$2.00} charge and since then Comenity Bank has assessed two late fees in the amount of {$14.00} and it has affected my credit negatively. When I contacted Comenity Bank to inquire and resolve the issue I was told that the {$2.00} charge was assessed in XXXX and it was interest. However, this is fraudulent because I made no purchases and the entire bill was paid on/before the due date in XX/XX/2021. So there should have been no additional charges or fees. According to the 2/3 representatives I spoke with in XX/XX/2021, on the date I made the final payment, I was advised the balance would be {$0.00} and I would be in jeopardy of the account closing. So now, Comenity being the underhanded and unethical company it is has charged my account {$2.00}, fraudulently. Just to continue collecting money and harming my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. Some accounts are inaccurate in my report.

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 2021-08-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. Some accounts are inaccurate in my report.

Company response to consumer: Closed with explanation