vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
I spoke with XXXX XXXX multiple times over the Spring, Summer and Fall of XX/XX/XXXX regarding an account that was reported to my credit file. I received a letter on XX/XX/XXXX from XXXX XXXX ( listed as Lead Compliance Representative ) stating that the account would be removed from the credit bureaus. The account was in fact removed from XX/XX/XXXXand XX/XX/XXXX, but was not removed from my experian credit file. I have since contacted the debt collector on a number of occasions ( most recently on XX/XX/XXXX ) to attempt to resolve and when I have contacted them I am transferred around multiple times, told that they can't assist me, and/or hung up on. XXXX XXXX is not honoring their promise to remove the account and is not giving me an outlet to resolve 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 explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
My finance company Lendmark Finance sent a letter stating it was updating their statement, that was over a year ago. The statement they have been sending only states the monthly amount due and does not include the interest paid. I have contacted the XXXX branch and all they can tell me is they know and it's still be updated, I sent a message on-line to Lendmark and inquired about the problem, I was never contacted. At this point I don't what I am paying in interest every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: MD

Complaint narrative:
Experian offers no easy means to contact them via chat or by phone resulting in delayed response or no action being taken. The mail in option reference items that are non existence, asking for a report number or account number to process. When attempting to access via online or by phone, t stated my Birth Date was incorrect, so I tried calling and got into a loop of wanting to get to the fraud department but only allows to add a fraud alert, no way to address an existing one or get it removed. How can I get my credit removed from Experian having any access to it? I want to file a class action law suit for pretty much requiring someone to purchase their services to even get access to their own information that may or may not be correct. That in and of itself is illegal practices.

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 2018-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX check number XXXX for {$150.00} was mailed to Portfolio Recovery Associates with a letter asking that the account be removed from my report upon receipt of the funds of the check presented. 

On XX/XX/XXXX Portfolio Recovery Associates updated their website to show a payment of {$150.00} was made. 

On XX/XX/XXXX check number XXXX for {$150.00} was presented for payment to XXXX XXXX XXXX ( My personal bank ) Between XX/XX/XXXX and Today, the account has for some reason reverted to a balance of {$150.00} and I have tried numerous times by filing disputes with the credit Bureau 's to sending letters directly to portfolio recovery to have this rectified. They continue to only provide me with proof that the original account is valid, not that the balance is valid. 

On XX/XX/XXXX I mailed a final dispute letter to Portfolio Recovery by XXXX ( Tracking #  XXXX ) which was delivered on XX/XX/XXXX at XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
I took out the loan for {$30000.00} ( {$32000.00} after fees, etc. ) in XX/XX/XXXX. Once I started paying back on my loan, they would not work with me on re-payments. The payments would be {$250.00} for the first six months of the year, then would jump to {$300.00} for a few months, then to {$350.00}, then to {$400.00} for the last 2-3 months of the year. Beginning of the next year, they would go back down to {$250.00}. However, due to me not being able to afford the last few months in total monthly payments, I would fall behind on the loan and they refused to work with me. My son was one year old and having serious health issues and they would not take this into consideration. Within a few year span, I had paid {$10000.00} towards this loan and only {$900.00} of my payments went towards principle balance. The rest went towards interest. My total loan also jumped up to {$42000.00} and they could not explain this, they could only tell me it was due to the " late fees and penalties for falling behind on my payments ''. At one point when I fell behind in XX/XX/XXXX-XX/XX/XXXX, I offered to pay {$200.00} but the woman on the phone actually refused to accept this amount, saying they could only accept a minimum of {$500.00}. In XX/XX/XXXX I had to meet with an attorney to file for chapter XXXX bankruptcy, as XXXX was threatening to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
On XX/XX/16 I was charged {$40.00} " ANNUAL MEMBERSHIP FEE '' by my XXXX American Express Card. 

XXXX then quit their partnership with American Express, and the card account was transferred to XXXX where I was promptly charged another annual fee. 

I called XXXX and asked them to refund the {$40.00} I was charged on the American Express card and they said they couldn't because it was charged by American Express. 

I called American Express and asked them to refund the money and they said they couldn't because they no longer held the account. 

I opened a support case with American Express for this ( XXXX ) which was ultimately closed and they refused to reimburse my {$40.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: PA

Complaint narrative:
My wife XXXX XXXX mistakenly overpaid Discover billing of over {$16000.00} in XX/XX/XXXX. After the Discover Credit statement came on the beginning of XX/XX/XXXX, finding the mistake my wife had contacted Discover Card customer service on the week of XX/XX/XXXX and requested a refund check back. We have been promised on the week of XX/XX/XXXX that we should get a check sent to our home in three weeks by Discover Customer Service on XX/XX/XXXX we had contacted Discover Customer Service ( CS ) and was told the check should be there Monday on XX/XX/XXXX. A statement from discover came, but no check. Contacted a Discover CS supervisor and he had found that a check was started and then dropped. The supervisor offered a {$15.00} transfer fee to wire to our bank, because he said this should never happened and it should be no longer than two days for wire transfer to my bank at XXXX XXXX XXXX XXXX. I had contacted a CS supervisor on XX/XX/XXXX was it could take three days for wire transfer on Friday XX/XX/XXXX a supervisor put me on hold for an hour and came back to say he could not find out anything and would keep on top of it, asked for my phone number because he was sure to call me back ; he never did. One time I called after that and received a message about you won a free cruise because of a survey, all I had to do was to pay port fees and then the phone line went dead. Other attempts were made to get our money back to no avail. The latest Discover would give a time line when we could receive our money back and stated " We must follow certain guidelines when a credit balance refund is requested on an account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I do not owe a debt of {$30.00} to XXXX. This is a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Prior to my late payments with Bank of America I paid thru mobile app and would transfer money fro checking to credit card payments but one month I pressed bill pay and they decided not to take payment, but it was taken from account. They decided to mail me a paper check for the payment instead of applying it to my account for two months in a row. Once they realized mistake they credited money to me and closed my account which I didnt want. want!! I made the payment and they made a late fee adjustment on XX/XX/XXXX and also XX/XX/XXXX but then on XX/XX/XXXX they returned payment. Why would they make adjustment but not take late payment off???

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 2018-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi, On XX/XX/XXXX Bank of America send a wire transfer on my behalf to XXXX XXXX XXXX   under a company name XXXX XXXX XXXX. The Company could also be known as XXXX XXXX. The money was send for me to purchase an investment product called XXXX XXXX. I never received the product. Later I figured that the whole thing was a scam. On numerous occasions, I asked Bank Of America to retrieve the money from XXXX XXXX. They reported that the account owner closed the account with XXXX XXXX. The case # at Bank of America is XXXX. Please retrieve the money from XXXX XXXX. It is a scam. 

Thank You

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 2018-04-17 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: Eagle Accounts Group, Inc.
State: TN

Complaint narrative:
Child support back pay reported as dilequent and not paid. I have been paying on my back pay child support since the parenting plan signed XX/XX/2017. I owed {$4300.00}, Ive paid {$100.00} a month per papers and it is reported I haven't paid and deliquent. I need the information corrected and reported on time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
I was required by XXXX in XXXX, ME to attend an XXXX XXXX in XXXX, ME. I arrived at XXXX XXXX on XX/XX/XXXX. I was working with XXXX to do reunification ; to get back custody of my XXXX year old son. XXXX required everyone to go to regular doctor, medical, and dental appointments as part of the overall treatment and recovery plan. I incurred debts with XXXX XXXX in the amount of {$2700.00}, and the account was sent to collections on XX/XX/XXXX. XXXX was fully paying for my XXXX   costs, medications and mental health appointments ; but they were not paying for doctors visits.I was not aware of this at the time, and was blind sided when my credit score dropped to below 430. I tried to dispute it but they are relentless. I do not feel that I should be obligated to pay this debt, I was not aware of it, I was under the impression XXXX was covering these bills, it ruined my credit so that I stand NO chance of ever getting a home, they harassed me endlessly over the phone, and I suffered extreme mental stress because of this bill. I am not looking for a handout - But the whole situation was completely unfair. I have been sober for over 3 years now, regained custody of XXXX of my boys, and am happily married. This debt is literally sucking the life out of me.. I hope you are able to help!

Company response to consumer: Untimely response
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
Freedom Mortgage Paid my property taxes and also my father 's property taxes from my escrow. 
Property Taxes were due XX/XX/XXXX. My dad cant pay his because freedom mortgage has already paid them with my money. In XX/XX/XXXX i called freedom mortgage to fix this problem. They told me I need proper documentation. On XX/XX/XXXX, I faxed them the proper paperwork and a statement saying I wanted this fixed. I called them again They said it would be fixed before taxes were due. I checked my account and nothing was done. I called them back. They said that the other people i had talked to previously had done nothing, but he would make sure it was taken care of this time around XX/XX/XXXX. I get a letter stating my house payment is going up From {$530.00} to {$800.00} Because the escrow went up to Pay for Property taxes. It showed the projected property taxes for next year and my dad 's is still on there. I called them back on XX/XX/XXXX, they said the escalation team will take care of this. The " Escalation Team '' called me back on XX/XX/XXXX and said it looks like it didn't get taken care of by the projected date. If its not fixed by XX/XX/XXXX, My house payment will be almost too high for me. Freedom Mortgage is hurting not only me but my dad can't pay his taxes and will be charged late fees. 
My dad and I have the same first name, Different Middle Names, and Different addresses.

I called the tax office and they said freedom mortgage hasnt even begun to fix this problem or called them at all.

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 2018-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
CBE group added something to my credit when we already had a payment plan setup an they never once told me that i had to pay it by a certain date then soon as i got down to my last payment they put that on my credit report as a collection after its been paid in full ... i never miss a payment or nothing so i dont understand why they did that to me when Im trying to keep a good credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed a collection that was added to my credit report from XXXX XXXX XXXX. After disputing this collection. The outcome was to remove this collection and it can never be sold to any other 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 explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I used money gram to send {$200.00} to FLA.to a XXXX XXXX and feel I was scammed by these people, I was contacted by a XXXX XXXX XXXX telling me to send money for my share of winnings on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
USAA Savings Bank account No. XXXX out of XXXX XXXX, Tx submitted a delinquent account on my behalf, XX/XX/XXXX. I did not apply for credit with USAA bank and they list an address of XXXX XXXX XXXX XXXX, XXXX, FlaXXXX. I have NEVER lived in XXXX. This account is not MINE. 
I wrote a letter to XXXX, disputing the report. I sent them copies of my bills at my present address, which I have lived at since XXXX, and proof of my previous address for 27 years prior to that. I sent a copy of my Ms. drivers license, copies of my cable bill, copies of the security system, copies of my power bills, etc, proving that I live at XXXX XXXX XXXX XXXX, XXXX, Ms . 
I mailed all of this on XX/XX/XXXX, signature required. I received XXXX 's reply today XX/XX/XXXX, stating it would remain on my credit report. 
Can you help me. 
Thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 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: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response except a confusing statement about not being able to identify me. I sent the same request many others have sent and got responses. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: DE

Complaint narrative:
I have sent four written request ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) certified to this credit bureau to VALIDATE a debt ( XXXX ..., XXXX ..., XXXX ..., XXXX ) that has been placed on my credit file. This credit bureau has FAILED to validate this request by providing an original consumer contract with my signature on it. According to the FCRA, accounts that are not positively validated by proof must be removed and deleted. This credit bureau has failed to do this more than four times. It has " said '' that they have verified this debt but has only sent an alleged account history. This is not sufficient and does and is a violation by federal law and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. The accounts need to be validated by original contract or DELETED.

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 2018-04-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Adjustments Inc
State: GA

Complaint narrative:
I paid an outstanding student loan debt for the XXXX XXXX XXXX through a collection Company named Credit Adjustments in the amount of XXXX on XX/XX/2018. I was informed that my credit report would reflect that it was paid within 7 to 24 days after payment. It has not been updated or reported as of XX/XX/2018, which is now 28 days. I reached out to Credit Adjustments and they informed me that they do not directly report to the credit agency 's, rather that the XXXX XXXX XXXX will do at their next reporting cycle which is not what I was told initially. The contact information for the collection agency is : CREDIT ADJUSTMENTS I via CREDIT ADJUSTMENTS INC XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX My confirmation number for the payment is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed a collection that was added to my credit report from XXXX XXXX XXXX. After disputing this collection. The outcome was to remove this collection and it can never be sold to any other collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANCORPSOUTH BANK
State: AL

Complaint narrative:
I have been working with corporate customer service with BancorpSouth during XX/XX/XXXX and XX/XX/XXXX.  They refuse to follow guidelines clearly outlined in the FHA handbook regarding our FHA loan. 

BancorpSouth refuses to follow guidelines from the FHA handbook on our mortgage. 
Page 591 of the FHA Handbook 4000.1 allows banks to drop the PMI premium at the borrower 's request. We have requested this a number of times but BancorpSouth reports that if they do it for us they'd have to " do it for everyone. '' I spoke with a number of people up there including XXXX XXXX who is their customer service manager.

Company response to consumer: Closed with explanation