vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting  that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: MD

Complaint narrative:
As a result of identity theft, someone fraudulently opened a Chime account in my name. I received the card in the mail along with information for activating it. I informed Chime that the account was opened fraudulently as a result of identity theft and they blocked the card from being used but refused to close the account. They do everything by unencrypted email, which is completely insecure, and refuse to speak on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: OR

Complaint narrative:
Union Bank assumed our loan from another bank last year. Twice the bank has tried to charge late fees on payments made through XXXX  XXXX XXXX on line banking ... .funds sent by electronic means ... .not a check ... not in the mail ... Union Bank received funds on or before the XXXX of the month according to the loan agreement, and proven to be true with records from XXXX XXXX XXXXXXXX Twice they have sent out a past due notice dated that same day, the XXXX .They seem to not know that they already have payment on that same day and that it is on time. 

We have 10 real estate loans with 7 other lenders and have been paying on time for 20 years. .We pay most banks on our rental  property by electronic means all on the XXXX Never any problems until now ..Union Bank is the only bank that we have encountered this issue ... .Union Bank seems to have a glitch in their system or they are trolling for fees not deserved.

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I mailed out my payment to Discover on the XXXX and no later than the XXXX of each month. 
I know it does not take 6 TO 7 days to receive the payment. Even if the payment goes to XXXX XXXX XXXX Utah, which is where Discover is located. They purposely wait 16 days to clear my card. I had this same problem last month. So I am re-reporting Discover for continuing with the same lousy payment problem I have had in the past with Discover Card. They don't take the payment until 16 days after it is received. Two months ago I was charged {$35.00} because Discover Card did not take the ACH Payment on the XXXX as I told them to do so. Today I was embarrassed at XXXX XXXX when I could not pay for a battery for my wife 's battery operated door opener. ONY DISCOVER DOES THIS!!

TAKING 16 DAYS TO CLEAR MY CARD. NO OTHER CARD EVEN THE BANK 'S ATM CARD DOES NOT HOLD UP PAYMENTS FOR 16 LONG DAYS. IT LOOKS LIKE THEY JUST DON'T GIVE A XXXX HOW RUDE THEY TREAT THEIR CUSTOMERWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Mr cooper Mortgage company did my annual escrow analysis and it is incorrect. They are trying to increase my payments {$120.00} per month. They added on an extra tax payment that was from the year before. The payment they added was for {$1000.00}. They ran the escrow analysis for 13 months. I called around 5 times to tell them the mistake and the Lady on the last phone conversation pretty much told me, They won't run a corrected analysis. This is every year they do this and then run a corrected one when I call and tell them. They did not pay my taxes 5 times last year, only 4. My insurance was paid too. I am at a loss what to do?? They generate the mortgage statement on a different day each month. They pay the property taxes on different days every 3 months. Sometimes they have paid them late. They have lost payments, paid 2 different insurance companies for my homeowners one year, a payment to the correct insurance company and a payment to the canceled insurance company. And then raised my escrow saying I didn't have enough in it. They have added on charges for drive by to make sure I still live here?? I am at such a loss and need help. I am current with my mortgage at this time but don't know if I can continue to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: MA

Complaint narrative:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have  provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Today I sent money to a person who used XXXX for tickets to a football game. Found out the game was not goin to have fans after I purchased what was suppose to be tickets. I paid XXXX dollars using XXXX with Wells Fargo. After contacting the seller several times with no response. I made a call to Wells Fargo. They said since I had sent the money. I had given permission and there was nothing they can do.

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 2020-10-09 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: LA

Complaint narrative:
I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX XX/XX/2018 N/A I never authorized these inquiries. 
XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Inaccurate From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks

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 2020-10-09 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: LA

Complaint narrative:
I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX XX/XX/2018 N/A I never authorized these inquiries. 
XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Inaccurate From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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 have been disputing Experian 's claim that the XXXX XXXX XXXX XXXX XXXX is mine and I filed repeated with Experian and CFPB and the problem still exists. I contacted XXXX XXXX XXXX XXXXXXXX XXXX and talk with XXXX ( Agent XXXX ) and she said that there is no way that Experian would have gotten certified conformation that the account is mine. Experian making this claim is false. She is sending me fraud form and copy will be submitted to the Federal Trade Commission and XXXX FBI.

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 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Applied for loan application at Wells Fargo on XX/XX/2020. Application requires credit card to pay for future fees of credit reports and appraisal. New home construction to be completed late XX/XX/2020. 

Appraisal completed XX/XX/2020 and we were assessed {$550.00} fee. Home was incomplete, no drywall, flooring, appliances, electrical, etc. and application expired on XX/XX/2020. We were going to have to reapply after XX/XX/XXXX, so I could not understand why the appraisal had been performed. 

I emailed Wells Fargo on XX/XX/2020 to inform them of the issue I had with the timing/value of the appraisal. I subsequently demanded a refund and have attempted a couple of times for reply but have been ignored. 

I then terminated the application around mid 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 monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
I had a mortgage for a home that I sold on XX/XX/2020 - through American Home Mortgage company. My payments were all in good standing and I have never missed or had a late payment. The house  was paid off on XX/XX/XXXX with a wire transfer during the closing. I had attempted to contact the mortgage company to cancel my auto pay for a week prior to that but they were not answering phones due to " COVID '' and stated their hold times were >24 hours. I also attempted to message online, they ended up taking my mortgage  payment out on XX/XX/XXXX, in addition to the settlement, which was an overpayment. 
I informed them of this via multiple messages. On XX/XX/XXXX I saw an e-document on my online account showing that this amount would be refunded by a check, which I never received. I had updated my address and the correct address was on the check. I informed them of this multiple times, the responded that I had to wait 30 days to cancel the check. I waited 30 days and still did not receive it. I contacted them again and they told me they would reissue the check, but they would have to wait until XX/XX/XXXX. I waited until XX/XX/XXXX and it is not showing up in my e-documents and I still have not received my escrow refund/overpayment of mortgage from the house I paid off XX/XX/XXXX as of today XX/XX/XXXX. This is simply unacceptable. I also requested that they send it to me by electronic transfer or certified mail to avoid further issues and they ignored this written request. At this point I feel that they are not going to return the money they owe and have admitted they owe and should have received back by now. If the situation was reversed they would be charging extreme late fees, interest etc. What can I do to proceed with getting my money returned in a timely manner. Please advise. I am a XXXX veteran and now have a new home and mortgage to pay, and this is not how I expected to be treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I provided payoff funds for my Bank of America mortgage on XXXX XX/XX/2020. However, I inadvertently did not disable the automatic mortgage payment to Bank of America from my XXXX XXXX checking account. As a result, a payment of XXXX was made to Bank of America on XXXX XX/XX/2020. From that time, I have been endlessly trying to get Bank of America to refund the payment. I have made over a dozen calls to BoA each with a hold time in excess of one hour to speak to a representative. Each time I am told that it is being taken care of or that I will be " called within three days ''. BoA has never returned a single call or made any effort whatsoever to return the funds. I filed a bill pay  claim with XXXX XXXX and am told that XXXX XXXX is not able to reach anyone from BoA. I also filed a claim with the Office of the Comptroller of the Currency ( XXXX XXXX ) however they sent me a summary letter saying that CFPB had jurisdiction. This has been very frustrating because it's an incredibly simple issue but Bank of America has been completely useless at solving the problem and intransigent about taking any real action to solve the issue.

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 2020-10-09 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
There is a TD BANK USA, N.A. / Target account reporting on XXXX that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with TD BANK and XXXX  and they have failed to remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MA

Complaint narrative:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original  creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: CA

Complaint narrative:
There is a XXXX  account reporting on my TransUnion and XXXX   consumer reports that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX, TransUnion, and XXXX  and they have failed to remove it from my credit reports.

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 2020-10-09 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:
There is a XXXX account reporting on my XXXX and Equifax consumer reports that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX, XXXX, and Equifax and they have failed to remove it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: The Receivable Management Services LLC
State: TX

Complaint narrative:
I have attempted to reach out to this company via mail and no response. After careful review of my credit report I see that this company is reporting A debt owed of XXXX for XXXX  XXXX I currently have XXXX XXXX and my insurance is active and valid. I have reached out to XXXX  myself and was informed they can not or do not send an active policy to collections. They assured me my poliy is in great standing and my monthly payment of XXXX for my XXXX  XXXX XXXX does not match the balance reported of XXXX. This seems to be some sort of error or misinformation. I was told by XXXX since they have no records of such reports I would need to dispute with credit b. I have submitted disputes there and nothing has been updated. This company is reporting false information on my report which is illegal. Im not sure how they recieved my information if XXXX  is saying they have not reported such information. And again the balance this company is reporting isn't an amount that I would owe because my payments are much higher then this for two cars that I have currentln with this company. I was able to view the last four of the account number on my report and it does not match the last four digits of my actual account number. Whcih confirms this information is indeed incprrect.

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In XX/XX/2020 I missed my payment by a few days and was assessed a {$25.00} late fee. My family is struggling due to XXXX but I was able to catch up and make the payment a few days later. I even made a larger payment to try and bring my balance down. When I requested the fee be waived I was told no as Ive had one other fee waiver. Please help me during this time where {$25.00} means a lot to the average American family.

Company response to consumer: Closed with explanation