vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Hello, FREEDOM MORTGAGE sent us a letter to reduce our percentage rate. so we agreed to do this in XXXX we signed paperwork and got the copy that in XXXX they tried to withdraw money from my account but payment was not due till XXXX. they owed us XXXX in overdraft. when i called to find out what was going on they said we owed over XXXX dollars for taxes and the old loan was not closed because they miscalculated the payment and was short. They are trying to have us pay they shortage and have not closed the old mortgage

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 2020-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX Account Number Unknown XXXX XXXX Hospital Dates of Service XX/XX/XXXX, XX/XX/XXXX Emergency Room Visits Medical Coverage at that time was the Veterans Administration, 100 % XXXX veteran Today, XX/XX/XXXX I received a phone call from Phoenix Financial Services collection agency about an outstanding bill. According to hospital records and XXXX XXXX XXXX records, my accounts have a XXXX balance. These accounts were paid by the Veterans Administration over 6 months ago. Phoenix Financial Services stated they  were forwarded this collection from Altheon.and they would not withdraw the collection action. The Veterans Administration advised me to contact them if I received any demands for  payment from any agency regarding these services. XXXX will not communicate with me by phone, only email. I have emailed them numerous times today with no satisfactory response, only requests for information that they already have in my account file, or the email I sent them initially. I have never received any letters at any time from either XXXX XXXX XXXX or Phoenix Financial Services. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX, U. S. Bank offered me an option to pay back a credit card by entering into their Restart Repayment Program. When the Representative presented the offer, she said I would pay back the debt over 60 months, and the U. S. Bank entry on my credit report would show up as a Voluntary Closure. After discussing the program with the U. S. Bank Specialist,  confirming and re-confirming the terms of the Program 6 times during our 90 minute conversation, including that my credit entry would be updated to show Voluntary Closure, I accepted the repayment terms the U. S. Bank Specialist promised me, and entered into their Restart Repayment Program ; I have been paying U. S. Bank as agreed since I entered into this agreement in XX/XX/XXXX. 

Based on that Agreement, in XXXX of XXXX, I assured a prospective landlord that the entry would show as Voluntary Closure, and when the credit was reviewed in XX/XX/XXXX, U. S. Bank had not updated my credit entry. On XXXX, I called into U. S. Bank to have them correct their mistake, and I spoke with XXXX, who was able to listen to the entire 90 minute call from XXXX, XXXX, XXXX. She came back on the line, and agreed that what I had been told was misleading, and that she also heard multiple times during the call that I was promised a Voluntary Closure of that account, if I entered into the Restart Program. However, she was unable to make the change herself, and had XXXX, a Manager from Solution Department, call me on XXXX. 

XXXX reviewed the XX/XX/XXXX and XX/XX/XXXX calls, and she also agreed that I had been given inaccurrate information and I had been mis-informed. The Manager XXXX also agreed I was promised a Voluntary Closure when I entered into the repayment Program. However, she was unwilling/unable to fix the mistake, and escalated my issue for a call on XX/XX/XXXX at XXXX XXXX  Unfortunately, no one from U. S. Bank ever called me back as XXXX had promised. 

I relied on terms of what U. S. Bank told me when I agreed to re-pay them and enter into their Restart Repayment Program, and I have been keeping up my end of the Agreement for the past 7 months. I would like U. S. Bank to do what they promised and correct my credit entry to show a Voluntary Closure. If logistically a Voluntary Closure can not be done, they should delete that entry on my credit 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 2020-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
Debt Collector Company - AFNI Billing Company - XXXX Amount - XXXX Hi, i have a debt collection from afni regarding my XXXX account for the address which i left in XX/XX/2018 and as per XXXX internet was started again on the address and they i have to pay the amount .I provided them my lease agreement for the the place where i was staying but as per them even its mistake by them i owe them money .please help me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have a over drawn charge from purchase at XXXX  for {$93.00}. So got charge {$34.00} fee. Payment can thought from XXXX of {$21.00} got charge another {$34.00} so before that day was over put the money in for that fee. I still got charged a fee of {$34.00}. I called told she I payed the amount that was charged and she said still get a fee. Because its not all payed off. I told her that wasnt fair. To charged me just because the whole amount not payed off. She that the way there do there fee. I told them that not right to do customer like that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: MO

Complaint narrative:
Someone used my personal information to open a Discover credit card, and spent approximately $ 5k on merchandise, cash advances, etc ... I found out about the fraud through XXXX XXXX and also a package was delivered to an address that I had previously moved out of. One of the realtors involved in selling the house after we moved out contacted my wife and connected us with the new owners of the house to get the package. It was a XXXX XXXX which we didn't purchase, and we returned it to the manufacturer. Once we learned of the fraud, I began the process of filing FTC ID Theft Report, freezing credit, contacting Discover, etc ... .. Discover has been very difficult to deal with and here are the facts : A Discover representative informed me that the card was opened from a computer with IP address located in XXXX, TX on XX/XX/XXXX. I was out of the country from XX/XX/XXXX to XX/XX/XXXX, and sent flight documentation to Discover. 

A Discover representative informed of the address used on the application, and it was not even my current address. I moved out of the address in XXXX of XXXX, and the card was opened in XXXX of XXXX. I demonstrated my address to Discover with electricity bills and lease agreements, and they still won't accept the fact that I wasn't living there. 

A Discover representative informed me that someone called from XXXX to activate the card. That phone number was my parents phone number which they cancelled over 5 years ago and has had no association with my family ever since. In order to prove this, XXXX XXXX XXXX XXXX told us that we'd need a subpoena to collect records from that long ago. Discover has said they " matched me voice '' to this call, which is weird because I do not have any defining characteristics in my voice. I don't have a thick accent, and my voice is normal in every way. I do not understand how this would be strong evidence in any way. 

In addition, the fraudster opened a XXXX XXXX account in my name and spent approximately $ 3k. I provided the same documentation to XXXX and they dropped all charges quickly because they knew it couldn't have been me. 

I have consistently cooperated with Discover to resolve the issue and they have been very difficult to deal with. I am trying to buy a house and this issue has hurt my credit score by approximately 200 points! Very stressful and I have provided every piece of documentation I can without a court ordered subpoena. They are costing me time and money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is reporting an old XXXX XXXX  card as a charge off. It was paid by agreement with XXXX XXXX  and is not a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
Made several lump same payments totaling {$2800.00} -- on XXXX ( {$400.00} ), XXXX ( {$600.00} ), XXXX ( {$1700.00} ),  and XXXX ( {$140.00} ) -- with the intention of applying the extra payment to principal. There is no option on the website to direct payment to principal. After making the payment I noticed it was not applied to principal, instead was applied to future payments. I then called Valley several days later ( approximately XX/XX/XXXX ). Bank told me they would speak with " financial '' about reapplying the payments correctly, and will get back to me. They never called back. I revisited the issue now in XXXX and the bank is telling me that if they apply the payments now, my account will be delinquent and sent to collections, and that they will " come take my car ''. If they had taken care of this issue back in XXXX when I called, I would have been due in XXXX and continued making payments, reducing my total interest owed as I intended. Instead my due date is XXXX and at the bank is threatening me with repossession of a vehicle if they correct their own mistake. They simply didn't heed my request in XXXX -- that is not okay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: NY

Complaint narrative:
Not my accounts reporting on my Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent multiple letters to equifax, XXXX, XXXX  and have also disputed this collection account by the name of XXXX XXXX online and have not been able to delete this account which i have no knowledge of or no contract with. This account XXXX XXXX has multiple errors reporting as well which ive stated to them before

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent multiple letters to XXXX, experian, XXXX  and have also disputed this collection account by the name of XXXX XXXX online and have not been able to delete this account which i have no knowledge of or no contract with. This account XXXX XXXX has multiple errors reporting as well which ive stated to them before

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed this collection account multiple times thru mail disputes as well as online disputes with no success to have this account removed or deleted from my report with transunion and 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 2020-01-27 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: OH

Complaint narrative:
The following information needs to be deleted. In the former address of my credit report it shows XXXX XXXX XXXX XXXXXXXX XXXX, Ohio XXXX. This address Is not mine anymore it was temporarily used due to a XXXX XXXX. I am at my residence where i receive mail. 
.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Helo CFPB. Im a victim of Id theft. Please forward documents to HSBC,  thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed this collection account multiple times thru mail disputes as well as online disputes with no success to have this account removed or deleted from my report with XXXX  and equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America offers auto pay of credit card amounts due on their website however there is misleading options which result in the Bank charging interest fees and late fees to unsuspecting consumers who do not understand what they are signing up for. When this auto pay is initiated there are several options namely two options which are offered if payments are to be made automatically : Amount Due and Balance Due. Neither of these are defined online and therefore if anyone incorrectly chooses Amount Due and believes this means what is now due on their statement will be paid it is accurate but it is not completely true. What will be paid is ONLY the minimum amount due not the full amount. Therefore the Bank will assess interest charges which can NOT be reversed if there is an error in choosing this option as I did. I have spoke with several managers at the Bank and they are " unable to correct '' this and will not. If the Balance Due option is chosen to pay the FULL amount, not the minimum amount due, then there is no interest fee charged and again this is unclear. Upon discussing this with the Bank via phone calls there is, by one manager 's admission, ongoing confusion with consumers when signing up for auto pay and the Bank benefits from this confusion by charging their customers interest. It is important for consumers to understand how the Bank offers several options and explain what is being selected and why but Bank of America does none of these on their website where the options are offered. My experience with this issue and the Bank 's inability to accept responsibility for this issue or reversing charges when there was an honest error made with each credit card has lead me to ask the CFPB to intercede and make it clear what one is signing up for or not. Only after speaking with many managers and spending significant time to the last person reverse the interest charge because she saw that I had chosen Amount Due when it should have been Balance Due. This is a confirmation that the Bank has a problem if this one manager would change this because, " there was an error. '' What about all of the other customers who are in error? What about all the interest fees this Bank receives as a result?

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was affected by a natural disaster and have requested numerous times to have the late fees removed from my account as well as off my credit report. They refuse to remove them. I had it listed on my credit report affected by natural disaster. They need to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27 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: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
DESIGNED RECEIVABLES HAS BEEN TRYING TO COLLECT MEDICAL DEBT FOR UNKNOWN DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THERE ARE MULTIPLE COLLECTION ACCOUNTS OF {$980.00}, {$1700.00}, {$2000.00}, AND {$4800.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
Please CFPB, I'm a victim of fraud, please forward the following information to Mohela. Thnak you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I had a loan with Bridgecrest Acceptance Corporation which I refinance in XX/XX/XXXX with XXXX XXXX XXXX XXXX. They have refused to send the Title to XXXX XXXX XXXX XXXX after the loan was paid off. 

Here 's the timeline : XX/XX/XXXX - Sent Bridgecrest a USPS Certified Letter with a XXXX XXXX XXXX Check paying off the loan. Included in the letter was the Address of XXXX XXXX 's Car Title Division WITH EXPLICIT INSTRUCTIONS ASKING THE TITLE BE SENT DIRECTLY TO THEM ... .. 
XX/XX/XXXX - per USPS my letter was delivered to Bridgecrest Acceptance Corporation .... 

XX/XX/XXXX - Was the date Bridgecrest cashed the Check from XXXX XXXX .... 

XX/XX/XXXX - Called Bridgecrest at XXXX @ XXXX - ( All Calls at Bridgecrest are recorded - they have a phone log ) I was advised they would send the title to XXXX XXXX within 3  days .... 

XX/XX/XXXX - Called XXXX XXXX XXXX to inquire if they have the Title ; They do not .... 

XX/XX/XXXX - Called Bridgecrest at XXXX @ XXXX EST ( Approx - Again their is a call log as ALL calls to Bridgecrest are recorded ). I was advised They will send the Title to XXXX XXXX and XXXX XXXX should receive it within 10 days. I asked for a reference # or the name of the CS Agent I was speaking with. I was provided niether ... .. 

Bridgecrest has not dealt fairly. They are aggressive in originating the loan and collecting the monthly payments and are negligent once the loan has been paid off. It has been OVER 3 MONTHS SINCE THIS LOAN HAS BEEN PAID OFF AND BRIDGCREST HAS REFUSED TO SEND THE TITLE TO 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 2020-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
MONTEREY COLLECTION HAS BEEN TRYING TO COLLECT FOR DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THE AMOUNT THAT THEY ARE TRYING TO COLLECT IS {$4400.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation