vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
While I was on a XXXX XXXX flight to visit my parents in XXXX, TX ( with my credit card on my person ), 3 fraudulent transactions were made at " XXXX XXXX XXXX XXXX XXXX '' with my credit card in the amounts of XXXX, XXXX, and XXXX, respectively. This was on XX/XX/XXXX. 

I received a call later that night from my hotel room alerting me to the fraud, and when I checked my statement, sure enough, there were 3 purchases that I definitely did not make on my statement. I called to verify that yes, they were obviously fraudulent -- I was in XXXX, Texas. I thought that was the end of it. 

Later, after arriving home from XXXX, I got another call from USAA, my credit card issuer. They asked for more details around the transaction and told me that it was a chip transaction. I told them this seemed weird to me, as I thought chip transactions were not supposed to have this problem. The lady agreed and seemed very cold and suspicious. 

I said that I didn't know what happened but my credit card was with me the whole time and my family saw me not only vent about the fraud and how I would have to change my credit card number, but also saw me with my credit card on multiple occasions.

After telling the investigator I was sure it was fraud, she took some time to do her investigation. On XX/XX/XXXX, the same investigator called me back explaining that it was impossible for there to be fraud with a chip card. She said the investigation ruled against me. I said that didn't make sense because I wasn't there and didn't know anything about it and eventually started crying ( I'm saving up for a house and it was a lot of money ). She got uncomfortable, then angry, and hung up. She did not show any empathy through any of this. 

After researching my options, I called USAA to start an appeal process to the decision ( on the same day ) and also looked into hiring a lawyer. I will wait for the appeal before hiring a lawyer since they're expensive and a pain -- I really just want the whole thing to go away which was supposed to be the point of " XXXX  fraud liability '' as the bank advertises on the card. I always use my credit card instead of my debit card in case something like this happens and am very disappointed that despite what I was told in school and by parents, this card seems to offer no protection from fraud. I am disappointed, sad, and angry. I feel deceived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Immediate Credit Recovery
State: MN

Complaint narrative:
Regarding Federal Student Loan. In XX/XX/XXXX, the US Dept of Education told me if I paid {$350.00} per month for 18 straight months, the penalties and some of the interest would be removed from what I owe. I complied with the request and when the 18 months was up, I found there was nothing removed from the interest or penalties. I called them on the phone and they sold the loan said they sold the loan. I called the new loan servicer who stated " That has nothing to do with us. '' I was totally at a road block. Many things happened in my life that have been very hard to take on but then I started a job 13 years ago at XXXX. For the last several years, Immediate Recovery has been garnishing my checks for {$530.00} per month and if there are  three pay periods, {$790.00}. I have been late on mortgage since the garnishment and have contacted ICR several times trying to take it out of default as it still accrues interest all the time. Also they have my tax returns. Out of an {$8000.00} loan, I have paid approximately XXXX and still owe {$30000.00} which will continue to grow.I am not married, am by myself and feel there is no way out of this. They asked if I could pay lump sum of {$26000.00} which I can not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: U.S. BANCORP
State: CA

Complaint narrative:
THE US BANK LINE OF CRED ON MY CREDIT REPORT IS FRAUDULENT AND THIS ACCOUNT WAS OPENED WITHOUT MY KNOWLEDGE. I HAVE CONTACTED NUMBEROUS TIME THE CREDIT DIRECTLY AND ASKED THEM TO LET ME KNOW ON WHAT BASIS THEY HAVE REPORTED THIS ACCOUNT ON MY CREDIT REPORT.THIS ACCOUNT WAS OPENED FRAUDULENTLY, WHICH MEANS SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME, I HAVE NO IDEA HOW TO PROOF OF INOCENSE. I KNOW THEY ARE BIG COMPANY AND THEY CAN DO AND SAY WHAT EVER THEY WANT BUT THIS ACCOUNT IS NOT MY ACCOUNT.

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 2020-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc.
State: CT

Complaint narrative:
A debt ( {$1600.00} ), which i don't know where it came from, just showed up as a collection on my credit report, i'm not sure what it's for or where it came from and did not receive a letter prior to that from collection agency so i have a chance to validate and dispute the debt. 

Southwest Recovery Services XXXX XXXX XXXX, XXXX TX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: SD

Complaint narrative:
FED LOAN SERVICING. They will not remove the duplicate loans from my credit report. 

Having duplicate student loans on your credit report can seriously mess up your finances. This error makes it appear to credit bureaus and lenders that you have more debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX KEEPS PUTTING " FAKE, FRAUDULENT AND INCORRECT '' STATEMENTS ON ACCOUNTS THAT ON ARE ON MY CREDIT REPORT AND I AM SICK AND TIRED OF THEM DOING THIS. BY THEM PUTTING THESE STATEMENTS ON MY CREDIT REPORT WITHOUT MY PERMISSION THEY ARE IN VIOLATION OF THE FCRA AND ARE HARMING MY ABILITY TO GET A MORTGAGE. 

THE FOLLOWING STATEMENT " CONSUMER DISPUTES-REINVIESTIGATION IN PROCESS, CONSUMER DISAGREES '' ARE ILLEGAL STATEMENTS ON THE FOLLOWING CLOSED ACCOUNTS. 

1. XXXX 2. XXXX XXXX 3.XXXX 4. XXXX 5.XXXX XXXX ACCOUNTS 6. XXXX CARD I HAVE NEVER DISPUTED THESE ACCOUNTS AS THEY ARE CLOSED AT MY REQUEST AND HAVE POSITIVE PAYMENTS BEING MADE. WHY WOULD I DISPUTE THEM. I BELIEVE XXXX HAS PUT THESE ILLEGAL STATEMENTS ON MY FILE TO HARM ME DUE TO OTHER COMPLAINTS THAT I HAVE SUBMITTED IN THE PAST. 

EXPERIAN HAS DONE THE SAME THING TO THE XXXX XXXX ACCOUNTS THAT ARE BEING REPORTED. I DEMAND THEIR NEGATIVE STATEMENT BE REMOVED.

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 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
EXPERIAN HAS PLACED THE FOLLOWING CONSUMER STATEMENT ON MY FILE AND I NEED IT REMOVED XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 


THIS IS A BOGUS STATEMENT PLACED BY THIS COMPANY WITHOUT MY PERMISSION.

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 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I continue to repeatedly get calls after I told them I never received a bill, I told them to send me a bill and stop calling me. They continued calling me I didnt receive the bill until XX/XX/2020 the letter stated I had 30 days to make a payment however the collection agency reported this account to my credit. I didnt have a chance to even call and make the payment. Im requesting to remove this account from all 3 credit bureaus in return of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I have been working with Select Servicing Portfolio sinceXX/XX/XXXX to get a loan modification written. 
I am paying a interest rate of 8+ % on a loan issued by XXXX XXXX  XXXX  ( closed by the Federal government ). 
My husband and I have been separated and he is XXXX. I have been honest with the Mortgage Servicer and was given a " loan modification trial '' in XX/XX/XXXX. My payments were adjusted from $ 3700+ monthly to about $ 2300/monthly ( which I am able to make ). the trial ended in XX/XX/XXXX and we received a loan modification packet to be signed by both of us. 
I contacted our family attorney and he suggested I complete a title search and request new signature pages ... with each signed separate as the modification should be signed and notarized. SPS suggested I sign my husbands name which the attorney refuses. Yesterday I contacted SPS and they said my modification has been withdrawn. I waited for many months for the modification to happen and they are taking it away because of the advise I have taken of our attorney. PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I spoke to Ally in XX/XX/2019 about receiving XXXX benefits under the Ohio Revised Code. I was told it would not be an issue and was given a list of documents to send either fax or by mail. I sent all the required documents certified mail that was received on XXXX XX/XX/2019 by Ally and I have yet to receive any correspondence on the status of my benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: GA

Complaint narrative:
XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT ACCOUNT AND INQUIRIES ON MY CREDIT REPORT/PROFILE, BELOW IS THE FRAUDULENT ACCOUNT : XXXX XXXX XXXX : XXXX XXXX : XXXX DATE OPENED : XX/XX/XXXX AMOUNT : {$1600.00} FRAUDULENT INQUIRIES : XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I have a Discover credit card - each and every time a payment is late ( not delinquent, just not on the due date, less than 30 days late ), I receive repeated phone calls almost every day of the week. In the last 3 days, I have received 10 phone calls from them with no messages left. The tactic is harassing and intrusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
We pay mortgage monthly including escrow for property taxes but have received multiple notices from our township that property taxes have not been paid since XX/XX/2019. I have called bayview loan servicing multiple times over the past few months but they have not yet paid taxes on this property nor resolved this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: CA

Complaint narrative:
THE XXXX XXXX LINE OF CRED ON MY CREDIT REPORT IS FRAUDULENT AND THIS ACCOUNT WAS OPENED WITHOUT MY KNOWLEDGE. I HAVE CONTACTED NUMBEROUS TIME THE CREDIT DIRECTLY AND ASKED THEM TO LET ME KNOW ON WHAT BASIS THEY HAVE REPORTED THIS ACCOUNT ON MY CREDIT REPORT.THIS ACCOUNT WAS OPENED FRAUDULENTLY, WHICH MEANS SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME, I HAVE NO IDEA HOW TO PROOF OF INOCENSE. I KNOW THEY ARE BIG COMPANY AND THEY CAN DO AND SAY WHAT EVER THEY WANT BUT THIS ACCOUNT IS NOT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am a customer with Wells Fargo Bank. Recently money was withdrawn on a couple of occasions without my permission or consent to pay for a timeshare account that was never used by me nor anyone connected to me because of unfair policies pertaining to the fees of the said timeshare. I tried cancelling the said timeshare account several times because of these fees that were never mentioned at the initiation. My account was debited to pay for the timeshare fees without my knowledge or consent several times. I tried correcting this with Wells Fargo bank with no avail. I would appreciate it if you can look into this matter for me. I was left with no funds in my account and as such I could not take care of the basic necessities of my day to day life. 
Thanks in advance,

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 2020-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I spoken with them several times in a year. An in XXXX they informed me yes they sold my information to a third party without my knowledge. Also, I told them that I dont owe them anything because my car was paid off by insurance XXXX an Gap an they said no. I also informed them that constantly calling me an telling me that my credit score would be damage was inappropriate. But on my credit they written several negative things. An I didnt give Exeter financial Corp no authority to sell my information to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: NH

Complaint narrative:
My wife was admitted into XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX in XX/XX/XXXX. She completed her treatment and I was told my insurance would fully cover this treatment. 

On XX/XX/XXXX I received a notice from Credit Management Company on XXXX that I had an outstanding balance of XXXX dollars. Prior to this I did not receive an invoice form XXXX XXXX XXXX of XXXX Az. I attempted to contact XXXX. and I was unsuccessful. XXXX  doesn't publish any telephone number or addresses for contact info for account receivable. Though they have 24 hour reception for intakes patients. 

The collection C.M.C. account # XXXX. 

Upon contacting my Insurance I was informed that XXXX XXXX XXXX XXXX paid the balance in full on XX/XX/XXXX. XXXX XXXX account # XXXX, Claim # XXXX. Note, XXXX XXXX XXXX XXXX was either bought-out or is a subsidy of XXXX XXXX XXXX. Moreover I was informed that the billing was not properly submitted by XXXX XXXX XXXX XXXX. Because I didn't get any help from XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX It took about a month to clean this mess up with my insurance company. 

Upon receiving receipt of payment I notified C.M.C. and they refuse to discharge me from this debt. Thereupon I FAXed a copy of my insurance documentation that XXXX insurance paid the full balance to CMC to XXXX XXXX, the supervisor, on XX/XX/XXXX. The cover sheet contained all of my contact info, email, telephone, and etc. with a request of an acknowledgement of this FAX. None was received. 

I have called CMC numerous times and as of yet Mr. XXXX XXXX has not responded not has C.M.C. discharged me form this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Municipal Services Bureau has continued to call my line of business over the last several months for a debt that I do not owe. 

I have repeatedly asked to be removed from their call lists. The agents say that every call should have a reference # for the debt collection case, but none of the calls I receive state a reference #. The agents also say that they can not ensure that I'll be removed from their call lists without me providing a reference number, even though they have never provided me a reference number. The most recent agents I spoke to were XXXX and her supervisor XXXX. 

Municipal Services Bureau calls me from XXXX and in the calls or voicemails they tell me to call them back at XXXX CFPB, please help this inept organization ( Municipal Services Bureau ) stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
The Collection Agency MERCANTILE ADJUSTMENT BUREAU , LLC continued to attempt to collect debt that was resolved with the original creditor, XXXX XXXX. After calling MERCANTILE ADJUSTMENT BUREAU , LLC for confirmation, they've refused to update my consumer credit file. 

This company is retaliating against me for resolving the debt with the original creditor, as allowed by the original creditor. 

XXXX XXXX has repeatedly sent the correct information to this collection agency, and they continue to refuse to update my credit file as required by the FCRA ( Fair Credit Reporting Act ). 

MERCANTILE ADJUSTMENT BUREAU , LLC refuses to send to me verification as requested. Attempts to resolve this with the collection agency have been unfruitful. They have blocked by phone number, and will not correct the information, send me the proper information, and send the credit bureau the correct information regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I have inserted an email communication below that contains the history of what happened with our Morgage company. In addition to what is below, we have since recent bank statements and more details 3 times. Each month the company either claims the statement is not sufficient to get the payment properly applied and credited even though they accepted and cashed the eCheck. I have spent more than 10 hours of time on the phone with the morgage company customer service reps. Each time I'm assured it will be resolved if I just submit my info but then the next month it all starts over with a threat letter about defaulting. Below you can read details and specifics about the initial actions. 


Attached please find proof of payment for loan number xxxxxxxxxxx, which is for the property at XXXX XXXX, xxxxxxxxx, VA XXXX. 

The loan is under my husbands name. 
XXXX Bank Information XXXX Bank Routing Number : XXXX Account Number : XXXX The XXXX payment was apparently sent to the wrong address using my XXXX bank bill pay services. The correction of address has been made for any upcoming payments and was successfully transmitted for the XXXX payment. 

After speaking to your customer service, it was requested for me to send proof of payment from my bank account for the XXXX payment that was sent to the incorrect address. Freedom Mortgage did cash the check sent by XXXX bank, but my account was not credited. 

Enclosed find a XXXX statement which shows the transaction cleared on XX/XX/XXXX. I am also enclosing a screen shot of the part of that statement which shows that transaction highlighted. 

If you need any further information, please let me know by calling me at XXXX or my husband XXXX Regards,

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