vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I was given a {$100.00} Visa Prepaid Card as a XXXX gift. The card was purchased by the Grantor on XX/XX/XXXX. I did not open the card until XX/XX/XXXX. When I called to activate the card, I was told that it was expired and they would need to send me another card. Then the woman on the phone asked me how I wanted the fees to be charged, {$1.00} per purchase or other fees as she stated. I told her I didn't want to choose a fee plan, that I intended to make a purchase today and spend the whole amount. She said that there were already fees charged to the card for each month that I did not use it. The charges came to {$41.00} on a {$100.00} balance!!!! When I received the replacement card in the mail, I tried to call the company to complain about the fees and request a refund, but the voicemail doesn't give you the option to speak with a representative and it disconnects you. I went to their website, but could not find any contact information or address to send my complaint. www.netspend.com

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 2019-09-06 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: PA

Complaint narrative:
Transunion verified a collection account on my credit report as being accurate. I sent a letter requesting the method in which they verified the letter on XX/XX/2019. They sent a letter on how to read the re-investigation back on XX/XX/2019. This was not what I requested they are in violation of the Fair Credit Reporting Act.

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 2019-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
I am in the Public Service Loan Forgiveness program, and I have made 120 qualifying payments towards my loan, and I have worked full-time for a qualifying employer during this period. I have completed all the paperwork FedLoan has requested, my employers have been approved during this time period, and I should qualify for loan forgiveness ; however, FedLoan is not counting nearly 80 of my qualifying payments. They have not given me a clear explanation as to why they are not counting these qualifying payments, and they have no date for when they will resolve the issue. In the meantime, I am due to pay over $ XXXX/mo in additional student loan payments next year, which I should not be required to pay because my remaining loan balance should be forgiven under this program, and which I will not be able to afford, which risks putting me into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Security Credit Service is reporting a collection account into my credit report that does not belong to me. I don't know what that company it is and I never got any credit with Security Credit Service or with the original creditor : XXXX ( per description in my credit report ). I already disputed this account and the company haven't provided any documentation to confirm this account belong to me. Also I already file a disputed on my credit report but haven't not received any response back and right now this is affecting me in my home purchase process that I'm going through at this time. I need this account that I never owned to be removed from my credit report because this is causing a financial hardship, I'm in the risk to loose my deposit that I put as a down for my home purchase because of this ineligible account. I feel this is an abusive practice and a clearly UDAPP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: TX

Complaint narrative:
I submitted a Second written request in writing to Experian, to have a copy of the original creditors documentation on file to verify that this information is mine and is correct in the results of the first investigation. and I have have not been provided any original documentation under Section 609 ( a  ) ( 1 ) ( A & Section 611 ( a ) ( 1 ) ( A ) by mail, I continue to receive emails the last email was on XX/XX/2019 from the Experian credit bureau that the account have been updated and verified.

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 2019-09-06 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Background : In late XXXX and early XXXX, I had fraud committed with my card, calling it card A from now on. It was caught early and but {$400.00} was stolen and reported as soon as we found it on our bank statement. They said they fixed the issues and issued a new card. A week later, we called back since the charges were still on our account. We were told that there was a mistake and that it was resolved. 

The next day the new credit card, calling it card B, that we received was declined. When I called the bank, I was told fraud was reported on card B, which it was not. However, they sent me a new card. 

A week later, I received two new cards, called Card C and Card D. They had different expiration dates. I called in to verify which card should be used. I was told card D was correct. So I can start using it. 

This is all just lousy customer service. However, it is central to the complaint. 

Complaint : We received a statement in the mail for card B. We logged into the website to see what we owed. The site said {$5300.00} which might be right. However, after the fraud, we wanted to make sure that the amount is correct. The statement on the website is the {$400.00} charge, which we were assured that we do not owe. However, the bank refuses to provide us with an accurate statement for our actual credit card amount for us to verify the transactions. 
How can we be asked to pay the correct amount if they do not give us an accurate statement for XX/XX/2019? We can provide documentation that the fraud took place on Card A. We still do not know why they know think it happened on card B. We have screenshots showing the difference between the statement that they provided and say we do not owe a payment on, and the website which says we owe more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX I used online bill pay to send {$100000.00} to my HELOC to pay down the balance. I didn't realize my bank ( XXXX ) had moved it's servicing business away from PHH and the funds were not credited to my HELOC account. I called during the week XX/XX/XXXX to retrieve the funds. I have been calling 2-3x per week since then. 

I have submitted proof of payment to PHH but PHH are not returning my funds. PHH claims they sent the money back to XXXX but are refusing to provide proof of payment. 

I have called more than 10x to try and get my {$100000.00} back but am always told that PHH needs to find out what happened with the cash department and get back to me. They never do. 

These are the people I have spoken to at PHH : ( XXXX ) XXXX XXXX XXXX extension XXXX XXXX exension XXXX XXXX - ( don't have extension ) https : //www.phhmortgage.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have an inquiry on my credit file that I did NOT authorize. The inquiry is from XXXX/XXXX XXXX says its a mortgage company. I did not start mortgage shopping for my home until XX/XX/2019. This inquiry is listed XX/XX/2019. I also have a fraud alert on my file and some sort of contact should have been made to me for this inquiry. I DID NOT AUTHORIZE THIS INQUIRY AT ALL. I tried disputing the inquiry with Experian multiple times and they refuse to conduct the investigation against my rights. I did not give any employed by this company to many an inquiry and view my credit report. This is a violation of FCRA 1681b ( c ) and is a serious breach of my privacy rights! 

XXXX/XXXX XXXX XX/XX/2019

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 2019-09-06 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: NC

Complaint narrative:
On XX/XX/XXXX, my wife and I sent investigation requests to Equifax and XXXX XXXX. They were supposed to investigate the errors on our report, and respond within 30 days. They have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: FL

Complaint narrative:
I co-signed for a Motorcycle bike loan in XX/XX/XXXX, with my son in law, which was paid in full on XX/XX/XXXX. At the end of XX/XX/XXXX, we received the Notarized Lien, a satisfaction letter and the original bank loan papers stamped PAID from the bank. However, in XX/XX/XXXX, I tried to get a loan to help my brother purchase a home and when the credit report came back I was informed that XXXX XXXX had been reporting that the loan was been reported as late since XX/XX/XXXX thru XX/XX/XXXX and then as a charge off which is still being reported as of today the same way. I have contacted 2 times since XX/XX/XXXX, the first time I spoke to a Manager named XXXX and I explained the situation at which point to proceed to tell me that apparently the amount of {$940.00} was some type of interest owed. I asked her Why is it that we are finding out this information now and not before you decided to send wrong information to the Credit bureau? She said that someone had called which was a lie because when I asked her to tell me when someone called she said they could not tell me because nobody noted the account. Fine, I said. Then, I said, we were willing to PAY THEM AGAIN for something that was already paid but we would need them to send me a letter stating that they would erase the wrong information from the Credit report because it was damaging and I have worked too hard over the years to have good credit in case I needed to use it to send my kids to college. I explained to her that I had in my possession the documents I described above and she said to fax them to her and gave me a fax number. Not 10 minutes had passed when she called me back saying not to bother sending the documents and that she was prepared to take the money from me but it would have to be a debit transaction and that they would not change any information in the credit report because they didnt have the power to do so. I told her that I was going to consult a lawyer and ended the conversation. I then proceeded to dispute the information with the Credit bureaus. XXXX erased the information in XX/XX/XXXX but I entered a dispute with Experian in XX/XX/XXXX and the most recent one in XX/XX/XXXX and both times were denied from erasing the information. This situation is adding more stress and aggravating my XXXX diagnosis these past 6 months. How can people so this and get away with this? If they want money, again, we are willing to give it to them but they need to admit their mistake and erase the wrong information from our files.

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 2019-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NY

Complaint narrative:
In XX/XX/2019 I received a letter in the mail with the XXXX logo on it saying that I owed about {$450.00} and my account was suspended until I paid. It had a phone number to call to pay the balance and get my account reinstated. 
I have never had any XXXX account or wireless number associated with XXXX. 
I called XXXX to verify what the charge was, and they had no record of me having any account with them or any debt under my name. They told me it sounded like the letter was a scam so I ignored it. 

Today ( XX/XX/2019 ) I received a letter from afni debt collector that states I owe a XXXX XXXX balance of {$1500.00}. 

I do not have any idea what this balance could be since XXXX does not have record of me having an account there and I have not had any XXXX XXXX account in the past. 

Thank you for receiving my complaint. Please contact me with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Debit creditor keeps calling from an unknown number and they claim its from MCM which is Midland Credit. They constantly call harassing from an unknown number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
On XXXX XX/XX/2019, I sent a letter to Bank of America requesting my line of credit account be cancelled and closed. On XXXX XXXX, I received a bill from BofA with a new balance of {$15.00} due with no explanation. I called and was told I needed to pay BofA {$15.00} to close the account. I made the payment over the phone ( Confirmation # XXXX ) and was told it would be posted the next day and they would email me a letter showing the account closed. I did not receive the letter so I called them back on XXXX XXXX. I spoke with a supervisor, XXXX, who told me the account would not show as closed until the end of the billing cycle. She did say they could generate and email me a XXXX balance letter immediately. I asked for the letter and again gave BofA my email address. I did not receive a letter. 

I have started an addition on my house and XXXX XXXX found this open lein on my house when I went to finance the addition. Because the BofA account won't post as closed until the end of their billing cycle, XXXX. XXXX can not look up the account and see it as closed. 

Account closed letters are form letters generated by banks and can be generated at any time. I need the loan from XXXX. XXXX to pay the contractors working on my addition.

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 2019-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was informed by my Home Owners insurance broker that my Home Owners insurance had lapsed. The insurance is paid via an escrow account and was up for renewal XX/XX/XXXX. The insurance company tried billing our preiovus lender which was XXXX XXXX. However, last spring we refinanced our home to HomeBridge. Apparently HomeBridge never notified our Home Owners insurance that they were the new lender. So when my insurance company was told by XXXX XXXX that they are no longer our Mortgage company , the insurance company didn't know what to do so they canceled the policy. My broker then had to get me a new policy which was an increase of {$200.00} per year on the premium. I went to HomeBridge with this information and asked them why they never contacted the insurance company. Their response is that it isn't their responsibility to do that. Clearly this is a BIG problem. I need help in understanding who's fault this is so that going forward this doesn't happen again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06 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:
Fraudulent account identity theft XXXX credit Amount XXXX Open XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, my wife and I sent investigation requests to XXXX and Trans Union. They were supposed to investigate the errors on our report, and respond within 30 days. They have not.

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 2019-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX and have full insurance through the dept of Veteran Affairs. This company by the name of " Americollect '' has placed a collection on my report in the amount of {$690.00} for a debt saying it is from XXXX XXXX XXXX. As a XXXX XXXX  XXXX Veteran, the main benefit that I receive is health care. This company has not billed nor validated that the debt is truly owed. All bills in my name are to be forwarded to the XXXX VA XXXX Hospital, with my social as the reference number. This is terrible that this company would try to collect on an invalid medical bill debt from a XXXX Veteran with insurance. Anytime I have ever been treated outside of the XXXX VA, it has been for a service connected XXXX. I am not sure it is legal for this company to add their interest to a debt owed either. The military lending act and SCRA state a cap on added interest rates. The entire entry on my credit report is invalid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Under my credit report I am charged twice with the same original creditor but two different companies. Both companies are calling me to collect a debt from the same original creditor with two different amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I have been trying to close my bank account since XX/XX/XXXX and it was finally closed XX/XX/XXXX, the transcripts for the agents I spoke t speak for themselves, I was charged fees had fees removed then put back on, agents I spoke with including senior analyst lied and committed a fraud with information that changed depending on who I spoke with, I finally has to file multiple harassment claims against USAA and notified the VA about their shady practices.

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