vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
FNBO Beware. I opened the credit card account after being marketed by FNBO/XXXX XXXX endlessly following the recent purchase of our 2019 XXXX. After 6 months of not using the card, I made a few purchases and kept my utilization around 30 % of my {$8500.00} limit. I logged into their system and created an auto payment ( direct debit ) from my checking account ( XXXX XXXX ). FNBO charged me a late payment fee and a bad payment fee {$26.00} and {$35.00} respectfully. I called and they found an extra duplicative digit in the checking account number. They reversed one fee and left the second. FNBO then triggered a reduction in my credit limit resulting in a reportable event to the credit bureaus show I had suddenly utilized 94 % of the current balance, causing a cascading effect on my FICO scores. No one on the call stated this simple typo error would cause so much impact. I sent them a payoff for the total due today and never want to be their customer again. FNBO is acting predatory to cardholders. They are impacting a lot of consumers with much less means than i am fortunate enough to have. FNBO is charging fees for their own systems failings.

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 2019-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MD

Complaint narrative:
To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with First Credit Services or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I keep getting calls from a comenity bank in which I never heard off or do I own any debt to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had fraudulent charges show up on my Chase Sapphire credit card that someone made in store at various stores between XX/XX/2019 and XX/XX/2019 : REI : {$520.00} XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX I have never been in these stores during the dates. My credit provider Chase investigated and concluded they can not determine if it was me or not so I am liable for all charges. Problem is they did not actually contact the stores or investigate anything, they simply determined I was liable without a real investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2019, i tried to make a transfer for the amount of {$600.00} into my XXXX XXXX account. Paypal says it went through.However, i never received any money into my bank account and now XXXX XXXX is telling me they never received it. It's been close to three weeks, and neither paypal or XXXX XXXX has been able to help, and they're telling me to check with the other, but all im getting is the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/2019, I paid off my mortgage with Ocwen/PHH. I requested the Satisfaction of Mortgage and the Original note. Ocwen/PHH stated that the County Clerk will mail it to me within 30 days. I contacted the County Clerk and they stated that the payoff was recorded on XX/XX/2019 and the documents were sent back to Ocwen/PHH, and they are to send to me the Original Note and the Release. I continued to contact Ocwen/PHH and they are telling me that it could take up to a year for me to get these documents. When I ask to speak with a Manager, they continue to hang up on me. The laws in Florida and Mississippi states that I should have these documents not later than 30 days from the payoff date. I would like to get the documents that I have a right to have, but there is no one at Ocwen/PHH that knows anything about these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Diversified consultants collection agency recently reported a previously deleted account to all three credit bureaus for XXXX. 

The account was previously deleted on XX/XX/2019. The reporting collection agency was called, XXXX XXXX XXXX. Apparently XXXX sold the account to diversified consultants after it was deleted through XXXX XXXX XXXX. This fraudulent report has caused my FICO score to drop 54 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
ON XX/XX/2017 I received an offer from XXXX XXXX at XXXXXXXX XXXX XXXX. The offer was clearly stated a monthly charge of {$25.00} for 24 months ( contact attached ). After hookup, I started receiving invoices from XXXX for {$40.00} a month contrary to the contract ( invoice attached ). I called XXXX on many occasions, but they refuse to change the charges. I paid what they were asking for the fear of damaging my credit. After about a year, I request for the service to be disconnected for not holing their end of the contract. They billed me for the balance of two years and later sent to collection. I wrote to the collection agencies explaining my case. XXXX refused to change their position. Now the collection has been reported to the credit reporting agencies and damaged what was a perfect credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Our Wells Fargo mortgage was initially being reported as included in our bankruptcy. We submitted a dispute as it was not included in the bankruptcy and is still an active mortgage account we make payments in monthly. XXXX deleted the account as the solution. It is now no longer showing on our credit report and should be to reflect our ongoing payment history.

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 2019-10-07 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: MIDCOUNTRY FINANCIAL CORP
State: FL

Complaint narrative:
A loan was taken out on XX/XX/2014. The last payment received was XX/XX/2014. This company has been reporting missed payments past the 120 day mark for the last 5 years hurting my credit even further. They have kept the account open, updating the balance due to interest accumulation that shouldnt of happened. There are several different balances showing for the payoff using multiple services for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: MD

Complaint narrative:
The car was totaled, XXXX issued a payment over XXXX on XX/XX/19 to WESTLAKE FINANCIAL SERVICES. I purchased gap coverage through the finance company they issued a payment of XXXX ; leaving me a balance of {$1600.00}. I don't dispute that the responsibility lies on me. However I am being told i have late charges and penalties for not paying a XXXX or XXXX payment of {$490.00} and they will report this to the credit bureau as a repossession. If my car hadn't been totaled and a payment of XXXX was made no payment would be due for almost 19 months how am I late on anything. How are they threatening me? They are still reporting a XXXX balance on my credit report ; negatively impacting my debt to income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: OR

Complaint narrative:
Our XXXX XXXX mortgage was initially being reported as included in our bankruptcy. We submitted a dispute as it was not included in the bankruptcy and is still an active mortgage account we make payments in monthly. TransUnion deleted the account as the solution. It is now no longer showing on our credit report and should be to reflect our ongoing payment history.

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 2019-10-07 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: Aldous & Associates, PLLC
State: KY

Complaint narrative:
I've tried contacting the debt collection agency " Aldous & Associates ''  multiple times. I made them aware of all violation codes ( 3 ) in which the gym had violated per California Health Studio Contract Laws voiding the contract which is putting me in " debt ''. They kept on disregarding my claims and saying I need to pay the debt, and it's already been sent to collections which will damage my credit. I then asked for proof of debt. The agent said I must send this request by mail in person. I notified him I'm temporarily XXXX & I've crashed my vehicle & to please give me a business email I can send and recieve all legal information and requests to. After so, he notified me its policy they only accept information by mail. Despite my XXXX. I noted to the agent the policy is unfair for XXXX persons living on their own & is simply a policy to pursue individuals to just accept the " debt '' & pay it. Apposed to going through the troubles of printing a letter, getting to the post office, & paying the fees to send said letters. Along with that, they gave out my personal information to an unverified person ( name, address, birthdate ). After notifying the agent of their own violation, they disconnected the call. I attempted to call back 3 times after. Only to be put on hold for extensive periods of time, then disconnected with no communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Collection Systems, Inc.
State: NJ

Complaint narrative:
Called my father in-law and falsely stated that I used him as a reference, which I have never done in my life. Called my employer and harasses me constantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Thecreditbureausarereportinginaccurate/outdated/incompletepersonalinformation.

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 2019-10-07 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: MA

Complaint narrative:
I noticed on my Experian credit report that I had a collection account from XXXX. I cancelled a XXXX phone account back in XXXX. And it was all paid. I contacted XXXX and they said they recently retrieved my SS number and I needed to pay up or more collections would be added my account. Experian told me I was out of luck and XXXX certified that I did owe ... I DO NOT OWE XXXX, I paid them in XXXX ... Experian told me I could pay them or wait 6 years for it to be removed. I asked Experian for proof and they told me to contact XXXX, I contacted XXXX and they told me they dont provide proof and they needed {$770.00} now.

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 2019-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I have a son, XXXX XXXX XXXX, aged XXXX, XXXX but high functioning. I still have guardianship & conservatorship. I set up a student checking account with NO overdraft for XXXX at BB & T, my bank for over 15 years. On XX/XX/2019 XXXX received a snapchat from someone claiming to be from the Secure Checking Network center in XXXX, XX/XX/XXXX, offering money to be deposited into his account. A scam obviously to you and I, but NOT to XXXX which is why I set what I thought to be reasonable restrictions on the account. On XX/XX/XXXX a mobile 'deposit ' of {$1800.00} and on XX/XX/XXXX mobile 'deposit ' of {$3100.00} were made into XXXX 's account. Apparently BB & T gave full credit to these deposits without verification because on XXXX all that money and more made its way out of the account as out of state transactions. At the same time XXXX was using that ATM in XX/XX/XXXX for incidental purchases at XXXX XXXX XXXX and XXXX XXXX It seems the bank had several " last clear chances '' to detect this fraud ; noting that XXXX rarely had more than his part-time weekly paycheck of < {$270.00} in his account at any given time. It would seem their contributory negligence far out ways any errors made by XXXX. He has not shown any fiscal or proprietary gain from these transactions. Yet BB & T, rather than try to ascertain the details of the fraud, directed XXXX, and by association me the parent account holder to take out a loan to pay the bank back over {$3500.00} stolen from THEM, not us. Forfeiting XXXX 's account, likely less than {$30.00} at the time, is a given. But to hold us responsible for the amounts claimed on this fraud is onerous and downright unconscionable.

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 2019-10-07 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: FL

Complaint narrative:
A loan was taken out on XXXX. The last payment received was XXXX. This company has been reporting missed payments past the 120 day mark for the last 5 years hurting my credit even further. They have kept the account open, updating the balance due to interest accumulation that shouldnt of happened. There are several different balances showing for the payoff using multiple services for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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:
A loan was taken out on XXXX. The last payment received was XXXX. This company has been reporting missed payments past the 120 day mark for the last 5 years hurting my credit even further. They have kept the account open, updating the balance due to interest accumulation that shouldnt of happened. There are several different balances showing for the payoff using multiple services for collection.

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 2019-10-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
The card ( Synchrony Bank ( DBA - CareCredit ) ) was charged for a XXXX  procedure ( XXXX XXXX XXXX XXXX ( DBA - XXXX XXXX ) ) about a week in advance of the planned procedure. 3 days before the procedure the appointment was canceled because the XXXX  provider admitted they had over charged me ( {$2400.00} but it should have been {$1100.00} ) on the estimate and said they would fix it but still charged the full, incorrect amount to the charge account. Contacted the charge company by phone and spoke to a woman about getting the charges removed since I had canceled the procedure and the charges were in the wrong amount anyway. She laughed and said I had to wait at least 7 days. After 2 weeks I contacted the charge company again through online chat requesting that the invalid charge for services I never received be removed. Was told it could take up to 45 Days and I would need to pay the interest on the charges even though the charge amount was wrong and the charges themselves at all were for services I never received. The charge company is failing to remove these now fraudulent charges and are trying to put the responsibility on me for recovering their funds.

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 2019-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EarnUp Inc.
State: VA

Complaint narrative:
I am writing to let you know about the fraud that a company or a program which until recently called itself XXXX XXXX and now calling itself EarnUp committed. CGPB actually had a ruling against it in https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-mortgage-payment-company-and-servicer-for-deceptive-ads/ They took our money and won't pay the bank for the mortgage. They won't pick up the phone or call back. We don't know what to do.

Company response to consumer: Closed with explanation