vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-11 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: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
Hello, I have been disputing a XXXX auto with XXXX for some time now. This account is past the statute of limitations for California XXXX 7 years from XXXX, which is XXXX ) XXXX  and XXXX have followed the FCRA and removed the account but XXXX  refuses. I spent over XXXX hour on hold to be told they could do nothing more then dispute it which I have done XXXX times over the last 2 years. XXXX is violating the law by updating the XXXX to XXXX, which is incorrect as I have had XXXX communication with this company since XXXX. XXXX tells me that they can only go by whats reporting and XXXX is not violating any laws by doing so. I have applied for a home loan and was denied do to the XXXX account and the XXXX balance owed. Please help me rectify this situation as they are clearly breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
CREDIT MANAGEMENT LP XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX {$260.00} Called company and without certain information I could n't provide they could n't process my request

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 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:
Equifax, XXXX and XXXX are reporting the wrong address and additional credit accounts that I do not own. Equifax, XXXX and XXXX have been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: CA

Complaint narrative:
PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED OF THIS LATE BEING INACCURATE BUT FOR SOME REASON THE CREDIT REPORTING AGENCIES SUCH AS XXXX AND EQUIFAX DO NOT REMOVE THIS INACCURACY PLEASE HELP ME TO HAVE THIS CORRECTED THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: CA

Complaint narrative:
PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED OF THIS LATE BEING INACCURATE BUT FOR SOME REASON THE CREDIT REPORTING AGENCIES SUCH AS EXPERIAN AND XXXX DO NOT REMOVE THIS INACCURACY PLEASE HELP ME TO HAVE THIS CORRECTED 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 2017-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber
State: CA

Complaint narrative:
Had an old hospital bill for about {$1200.00} which I could n't pay at the time. I tried to make payment arrangements with XXXX XXXX Hospital but they would n't accept other than the full amount and they forwarded the account to Grant and Weber Collection agency.
Grant and Weber first started calling my work and leaving messages with my fellow employees which was embarrassing to say the least. The balance as been increasing and is now over {$3000.00}, I submitted a dispute through the credit bureaus and the only thing this caused was yet another increase of the balance. Please note the original debt to XXXX XXXX Hospital is over 5 years old. I do n't have any of the original documents from them

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 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Provided Info for potential employer to perform background check. Employer said my name and SS # did not match up. I attempted to get the reports myself from XXXX but all three companies were unable to fulfill my request with no explanation.

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 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: DE

Complaint narrative:
I received a copy of my credit report issued XX/XX/XXXXand it shows an adverse collections account from Midwest Recovery Systems which was placed for collection onXX/XX/XXXX for XXXX XXXX XXXX. Before I left XXXX in XX/XX/XXXX, I Paid my bill at XXXX XXXX and closed the Account. I have been living in XXXX  for ten years now and have no idea how or why they would have a bill in my name. I spoke with someone at XXXX XXXX and was told they have no record of me. XXXX, at Midwest Recovery told me that a payment was made on the bill inXX/XX/XXXX and that I could just pay the {$910.00} and clear my record. Since this was not my bill and I had no idea who made the payment, I refused. I believe a notice of fraud was placed on the account but this account should be removed from my record as soon as possible and should not be put back on by the next company the account is sold to. I would appreciate any assistance you can give in this matter as my record has been tainted because of this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
Good Afternoon, I dont know if you can assist me or not, but recently I applied for a XXXX XXXX credit card ( XXXX ) from Barclays. I was approved and did a balance transfer for {$5000.00}. I paid off my XXXX XXXX card and got 1 year free financing. I just had to pay a 3 % ( {$150.00} ) fee to do that. Which I consented to. When I got my first statement I noticed the new card balance was {$10000.00} so I called and was told there were two transactions for {$5000.00} to XXXX XXXX and that I would have to call XXXX, which I did. XXXX sent me a check for the {$5000.00} over payment. Which I cashed and paid on the new XXXX card. When I got my next statement, I saw a {$300.00} finance or other Fee charge. I called Barclays and was told there were two transactions and transfer fee of {$150.00} each.hence the {$300.00} charge. I told them I only had a {$5000.00} balance that I transferred. Apparently, being unfamiliar with the website and thinking that it did n't go through, unintentionally submitted it twice. Obviously not intentional.why would I want to pay {$10000.00} on a {$5000.00} balance. But I couldnt get them to waiver the fee as they said they carried out two transactions. Can you help with this? I am just seeking to get the second {$150.00} charge reversed.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, ME 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 2017-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MT

Complaint narrative:
It started here ( an email from XXXX XXXX formerly Nationstar Mortgage ) ( begin of email ) OnXX/XX/XXXX we made your Hazard Insurance payment of {$3300.00} to XXXX XXXX XXXX XXXX XXXX. Our next payment for this is scheduled for XX/XX/XXXX.
Just letting you know. There 's nothing you need to do.
Best, Your friends at XXXX XXXX ( end of email ) The problem is that I have TWO properties covered by XXXX XXXX XXXX XXXX, and XXXX XXXX mistakenly paid the Hazard Insurance premiums for BOTH properties ( which they have managed not to do in the past ). I opened a case with their customer service, and after a month, all they have managed to do is send me case information for another one of their customers. Someone is asleep at the wheel here. ( I 've attached the file they sent me. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CO

Complaint narrative:
I had XXXX a long time ago and cancelled my account with them, returned everything that they asked for and then paid my balance. Now years later a collection has just come onto my credit report for something that has already been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received at letter from XXXX XXXX XXXX XX/XX/2017 informing me that they represent Resurgent Capital Service for a debt 0f $ XXXX.I never have acct, loan or credit car from Resurgent Capital Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: CA

Complaint narrative:
This complaint is for Equifax written dispute sent XX/XX/XXXX requesting removal of XXXX XXXX XXXX based on this company knowingly submits false and inaccurate information to keep my credit in a negative rating which allows lenders to then charge higher APR as well. Proof was submitted to show that XXXX XXXX was the first to open account for collection of {$1500.00} with first date of delinquency as XXXX. The results from Equifax stated account belongs to me but the my dispute asked for removal of this company based on dates and inaccurate information on my credit. Verbiage also on results state " Once an account has been opened, the account may appear on the credit file for 7 years or 10 years from the date reported. '' Based on this and proof Equifax should have removed XXXX from report but instead they allowed them to update status on my file and report as an open account with First date of delinquency as XXXX. Equifax is allowing XXXX to violate Federal laws put in place to protect consumers from misinformation on reports being used against us in a false or negative way in order to collect a debt. This debt is no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: NY

Complaint narrative:
My credit card statement for XX/XX/XXXX stated my total balance due was {$1800.00}, which I paid by check and sent it in well before the XX/XX/2017 deadline. My credit card last four are XXXX. Recently I received another bill stating I owed additional money. When I called the company, Friday XX/XX/17 at XXXX XXXX EST I spoke with XXXX and then a supervisor named XXXX who both stated I owed interest after my payment. They refused to remove the charges. This is clearly misleading billing. 

Please find attached a copy of the disputed monthly bill from FNBO. My point is the bill clearly states the total balance ( New Balance ) due. If I call Customer Service to make a payment by phone, the voice prompt asks if Id like to pay the bill in full ( Statement Balance or Current Balance ), which is identical to the amount shown on the statement. There is not an option on the paper bill or by phone to pay the now claimed higher total amount due. 

It is very unclear where FNBO claims they disclose the total amount due is NOT the balance due on the paper statement or by voice prompt via Customer Service dial in telephone. How, where and why do they disclose that a future payment will be added. I am stating the billing practice is not fairly disclosed and they should not have the right to bill me more after I pay the Amount Due/Statement Balance/Current Balance. In every portal to communicate with the company ( website, paper statement, voice call to recorded machine ), the expected amount due is not listed, but rather the amount due that I paid. 

Lastly, it is not true that the company could not or was unable to post the expected amount due as my balance was very, very predictable and so was my interest charges. 

It is extremely misleading and I feel very unfair. This is fifth grade algebra. Please help me to ensure this misleading billing practice is discontinued.

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 2017-10-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
XXXX A woman from a Colorado area code has been calling daily since XXXX looking for another person who I do not live with or has never used my phone number. She said that she is from XXXX XXXX and that it is an urgent matter. Today ( XXXX ), she left a voice message indicating that she associated with an official agency, eluding that she was associate with the government. She left a number, which I investigated and found that it was a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: OH

Complaint narrative:
After taking out the loan with XXXX XXXX at the end of XX/XX/XXXX, I made the first payment on XXXX.17 Noticing none of my payment went to the principal, I called to ask why as there was nothing in the loan agreement that stated they could arbitrarily assigned payments as they saw fit. 
I was told it was not in the agreement but on the website. However I could only pull up that page when I applied, so I could not see it again. 
I told them this was a deceptive practice and they basically stated too bad. 
So I looked into them a bit. 
I found out not only are they not licensed in my state, the interest charges are not legal in my state as well. 
They were hesitant to revoke my ACH authorization until I threatened to call the Ohio Attorney General 's office, as the ACH act is Federal Law. 

I offered to pay back what was left of the principal ( XXXX minus the payment made on XX/XX/XXXX of  {$110.00} ) of XXXX and they said they would only accept payment now equaling XXXX. 

Which is still in excess of Ohio 's interest limits. 
They have now locked me out of their system online so I can not see my account or documents. 
If I end up at a collection agency for this I will certainly take them to court. 
They claim they are a Tribal entity and laws do not apply to them. However, they could not tell me one XXXX XXXX who worked there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My problem is with Bank Of America credit card payment features and their Automatic Bill Pay feature. Generally speaking the B of A on-line instructions are very confusing and I suspect intentionally ( as well as small difficult to read print ) making it difficult to understand what amount of payment is being applied which leads to payments and interest payments not a reflection the payor 's intentions. I had assumed I set up an automatic monthly payment of the full amount due on my credit card each month, but I had in fact unintentionally set up a minimum payment due schedule. The minimum payment due schedule would subject me to significant interest payments on the balance. I was able to correct the schedule, I think, but it took considerable time by phone to confirm. My complaint is that B of A has known of the confusion their on-line payment system creates but are slow to fix because they have benefited from penalty fees and interest payments. I suspect that the elderly are particularly subject to this confusion and that a check of records would reveal disproportionate fees paid by this, my, demographic.

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 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I 'm a victim of debt collector abuse. XXXX XXXX uses unlawful tactics to manipulate consumers in paying a debt that is inaccurate. The harassing phone calls, letters, and figures that daisy on my credit report. I 've tried multiple times to dispute the monies due for {$580.00}. I 've contacted this company and even tried to negotiate a settlement or pay in full to have this debt deleted from my credit report. They were short and declined any offer. The representatives I spoke to to had no knowledge of my account or how to handle the situation instead of transferring me to other people. I am going to be inclined to hire an attorney to have this company compensate for my losses and settle this dispute. There is no reason for consumer to be attacked by such debt collecting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX ( formerly Nationstar ) purchased condo insurance coverage ( HO-6 ) on our behalf that we already have on our current master policy. I have tried repeatedly to correct the problem, including providing a copy of our master insurance policy and making three separate phone calls. After each effort, I was informed that we had adequate coverage and that I did not need to take further action ( i.e., purchase additional coverage. ) Our mortgage was transferred from XXXX to Nationstar on XX/XX/XXXX. We were informed that our condo insurance had expired ( which it had not ) and that I needed to provide a copy of our master. It was faxed XX/XX/XXXX and when I followed up with a call on XX/XX/XXXX, I was informed, per automated message, that our records had been updated and that no further action was required. We then began receiving letters informing us we needed additional coverage. On XX/XX/XXXX, I talked to Customer Care Specialist ( CCS ) XXXX, who informed me that our info from our master had been incorrectly input, that she would correct the problem, and that we had adequate coverage. Subsequently we received another letter informing us we needed additional coverage. On XX/XX/XXXX, I talked to CCS XXXX, who made a three-way conference call to our condo insurance company and talked to XXXX ( XXXX XXXX. XXXX, XXXX XXXX, MO ), who confirmed that our master does indeed cover HO-6 (  aka " walls in '' ) coverage. XXXX agreed to remove the insurance purchased on our behalf by Nationstar ( now known as Mr. Cooper ), including all charges. In XX/XX/XXXX, we received our latest escrow analysis and the charges for the unnecessary insurance have not been removed and our monthly mortgage payments have been increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On the Morning of XX/XX/XXXX I woke p to a text via Chase Bank stating my checking account had been overdrawn over {$3400.00}. I immediately contacted the claims department before XXXX on XX/XX/XXXX to notify them that all these charges were fraudulent that were pending. I also filed a police  report with the local police, contacted all 3 credit bureaus to file fraud and social security to file fraud and stolen identity. These charges started out with a {$2.00} amount increasing to $ XXXX- {$800.00} transactions which is not more normal spending habits. The charges occurred starting from an online wiring company to transaction in XXXX and XXXX for hotels. The claims department told me to rest assure they would get my money back. Someone also posed as me and contacted Chase to up my limit to use my account to make these transactions. Over one week going by of me having to contact claims, escalation team, executive office and several local branches I finally got in Chases words a temporary refund. Their executive team told me my case was resolved all funds were refunded and they were closing the case. 3 months go by and on XX/XX/XXXXI wake up to the funds be reversed by Chase Bank. I immediately contacted them and they said they notified my via mail of this reversal which I never received because if I had I would have contacted them right away. Now I have been pushed around and blown off the past month in a half with all my money taken again and my account left in the negative which has trashed my credit, caused my bills to be late, late fees ... literally destroying my life because of Chase Bank not protecting my hard earned money I entrusted them with. I am filing this complaint on behalf to get my money back that chase owes me. They have threatened to also close the account and turn over as a charge off to my credit and send me to collections for something I did not do. I will not stop going after Chase until I receive my money back. I trusted my money with Chase and they did not do there job securing my money.

Company response to consumer: Closed with monetary relief