vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XXXX XXXX, 2019 I noticed large amounts of money being deposited into my bank account got acceptance emails from Webster Bank accepting these funds I called them right away I explained that I did apply for a loan but the amount that I applied for was not that amount and why were these funds being transferred into my account and being held at this point I was told that the company that was the posit in monies was a fraudulent company and that they will be charging me return ban check fees, I tried to explain to them and successfully that the loan that I applied for was for XXXX and that it wasn’t even processed yet. I also noted that even though they claim that my account was closed yesterday these people still deposited large numbers of monies into my account again and not only response I got was I’m responsible and they’re closing my account and charging me the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TN

Complaint narrative:
This is a formal complaint against Plaza Services located in XXXX, GA. This company is reporting an unverifiable account on my credit report for an amount of {$570.00}. I've asked for proof, but they don't have it. They refuse to comply/respond. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act and has caused me much unwanted financial AND mental distress. For starters, they're reporting an inaccurate & unverifiable account on my credit report and not to mention an account in which I've requested evidence of their claim and which they were not able to furnish, per the FCRA and FDCPA. I have disputed this account directly with this collection agency in XXXX, XXXX, and XXXX of 2019, but unfortunately this company has completely dismissed my communications and requests to delete this frivolous information from my credit report. I am aware of many other complaints submitted about this company for their illicit and shady business practices. Yet, for some reason, this company is still in business. This company 's amateurish & negligent conduct has caused lots of harm, not only to my ability to establish credit, but also to my character as a XXXX and as an individual. Please help me to put a stop to the operation of these shady & immoral business practices right away. I really appreciate your time and guidance in this matter and hope to hear from you very soon.

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 2019-12-13 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: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine and accounts that were never late. 

I have attached a 30 day violation notice sent in response to this credit bureau not responding to a dispute letters sent via certified mail on XX/XX/XXXX.  I have also attached a IDENTITY THEFT report that is in direct relation to the accounts that I am disputing as not mine. 

I have several residential addresses appearing on my credit that are not mine.

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 2019-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
On XX/XX/19 I submitted a dispute for the accounts with CMRE Financial ( # XXXX ) there are 4 accounts with the same account number. CMRE Financial verified to the credit bureaus that they are legally collecting the accounts. 

I sent a letter directly to CMRE on XX/XX/19 ( tracking USPS XXXX XXXX XXXX XXXX XXXX ), at this point because it is getting frustrating. I requested all documentation proving this account is mine, they have the right to collect and what they are using to calculate the debt they claim I owe. It has been past 30 days and they have not removed these accounts from my credit reports or provided all requested documentation. These accounts should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: IL

Complaint narrative:
The situation with Guild Mortgage is getting worse. We have given the bank every document they have requested. Since XXXX I have lived in the property and have provided all documents required for a short sale. Nonetheless Guild Mortgage closed my file because they said that I do not live on the property because they have pictures showing so. This is a lie. In fact, I asked for the pictures to dispute them but I only received a couple which did not I indicate that I lived there. Further, I have submitted pictures of the property with my belongings in it. This is absurd they would halt my short sale and force me into foreclosure over a lie. I do reside in the property. 

I can't handle this situation anymore, I can't afford the mortgage and I'm living in the house. 
Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
After months of intense disputing with the credit bureaus, Capital One, and XXXX XXXX directly I thought this nightmare came to an end when the account was finally removed from my credit report, only to be woken up after a long days work by a collection agent from XXXX XXXX!! Not only did they totally belittle me, they told me I still owe the money, I still need to pay them, and they will still be doing everything to enforce their request for payment! I requested, by certified mail ( see attached ) that they no longer contact me by phone, I also sent them the fraud form I filed with the police! HOW DARE THEY!! PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
I was evicted out of a XXXX unit at XXXX XXXX XXXX, XXXX, XXXX XXXX, NY and i paid a deposit of around 11,000. I left the apartment at the 6 month and ongoing charges was accumulating without my acknowledgment. The excess charges are unknown to me. I never signed any document acknowledging the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: MA

Complaint narrative:
On XX/XX/2019, I refinanced my mortgage with XXXX  XXXX XXXX, and closed my loan at SunTrust Mortgage. On XX/XX/19, I paid my property taxes personally at the City  of XXXX, MA in the amount of {$1400.00} so I could close on this date. I received a payoff quote from SunTrust on XX/XX/19 in the amount of {$330000.00}. On XX/XX/XXXX, SunTrust also paid the property taxes, during this time I requested that they not pay the taxes and they told me that they were unable to remove the funds since they were already on the " spreadsheet '', however they would return the funds to me once the City of XXXX sends them back. I continuously called and asked for updates. On XX/XX/XXXX, I called the City of XXXX and asked if they have sent the funds back to SunTrust, they were due to be sent out that day. On XX/XX/XXXX, I contacted SunTrust again, they said that the funds have not been received. On or about XX/XX/XXXX, I contacted SunTrust again and the funds had been received, but they had to wait for the funds to clear the account before a check refund could be processed. I called again on XX/XX/XXXX to validate the funds have been cleared and was assured they were and a check would be issued. On XX/XX/XXXX, I contacted them yet again, and this time they informed me that I would not be receiving the refund as they had advanced the funds to me and did not include that amount in their initial Payoff Statement, then they quoted me an additional payoff statement in the amount {$330000.00} for XX/XX/XXXX. My loan was closed on XX/XX/XXXX. At no time during my initial conversations was I informed that I would not be receiving the funds back until XX/XX/XXXX. I spoke to several different departments, Customer Services, Property Tax & Escrow and escalated the call after being on hold for at 40 minutes each time. I believe I am entitled to the funds as I paid my taxes myself. Why would SunTrust pay taxes on a mortgage they no longer own and also use a different payoff figure 15 days later? I would like an escrow analysis done on my account. Also I can provide you all of the documentation and my broker 's contact 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 2019-12-13 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: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I have consistently for several years been stating to XXXX  that they are reporting a credit card account FNB OMAHA on my credit report for years, An account that has been closed and charge-off as well for years. Also, an account that I have persisently stated is a fraudulent account. Today they updated my report and stated there was a new late added on to this fraudulent account which has been closed and charged off for several years, causing my credit score to drop 60 points, how is this right? How is LEGAL to continue this BLATANT ABUSE, they ruined my credit over this account, someone please help!

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 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Receivables Performance are claiming I owe {$650.00}. They haven't sent me any information to verify this presumed debt even after requested this information Mid XXXX of 2019. If they can not provide proof I owe this debt I demand this be removed ASAP.

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 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I have consistently for several years been stating to First National Bank of Omaha that they are reporting a credit card account FNB OMAHA on my credit report for years, An account that has been closed and charge-off as well for years. Also, an account that I have persisently stated is a fraudulent account. Today they updated my report and stated there was a new late added on to this fraudulent account which has been closed and charged off for several years, causing my credit score to drop 60 points, how is this right? How is LEGAL to continue this BLATANT ABUSE, they ruined my credit over this account, someone please help!

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 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I went online to pay my balance on my credit card on XX/XX/2019 it read on the computer I owe XXXX so I pay the computer came back with a XXXX balance. I went on the computer XX/XX/2019 to see if my work check was deposited and I saw under the credit card that I owe XXXX, I had pad my total balance the day before which was pad in full, there was not a additional total for the XXXX on my account at the time of payment .I don't understand how they can add money to my account after I paid, if that amount was there when I went to pay I would have paid, note I paid the bill off around XXXX XXXX and at that time it told me my balance was XXXX so that is what I paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
First, they charged me interest on $XXXX. Then charged me a late fee for this interest. then they wont let me pay the bill since I cut up the card. They wont let me out of a credit card that I 100% paid off. They are a nightmare. I called and told them I want to close this card and I have a new bank account. I gave them the new bank account and told her to use that one as the other is closed due to divorce. She assured me the payment is confirmed and it was from my new bank but she of course used the old one. Now I am paying interest on interest from a late fee and have nothing to show for it. not even a taco from XXXX  XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-13 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: TN

Complaint narrative:
I was denied credit and after reviewing my my report I found accounts and inquiries that were not mine causing my credit score to be low. These items have cause a derogatory credit rating on my credit report. I have file a police report and an identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On Monday, XX/XX/19, before XXXX XXXX, I returned items to my local XXXX   store and a credit of {$100.00} was made to my American Express Serve card. I then monitored the card online for the refund. On Wednesday, XX/XX/19, under " Active Transactions '', the return was listed as " Merchant - Credit Hold for Review - We are currently reviewing this merchant credit. This review can take up to seven ( 7 ) days. During this review period the merchant credit will not be available for use. '' I've had the Serve card for years, and NEVER saw this before. On XX/XX/19, at XXXX XXXX, I called the number on the back of my Serve card. The in-call volume on my cell phone was as high as it could go, and I still had a difficult time hearing, between the volume and the accents, the two customer service reps with whom I ended up speaking. It seemed deliberate, how quietly they were speaking and the vague information they gave me. I informed the first customer service rep that I was XXXX, and had no money and no food, would he please release my refund? When he responded that he didn't have the authority to do so, I requested to speak with a supervisor. I advised the supervisor what I'd already told the first customer service rep ( XXXX, no money, no food ) ; when she refused, I advised her I would be filing this complaint, along with a review I posted on XXXX ( mine is the very first one currently posted ). Please note that when I went to post my review on XXXX, there were many, many 1 star negative reviews, all from the same week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: FL

Complaint narrative:
The following was sent to Equifax and they did not address the issues listed in their response to my request : Dear Sir/Madam : I am writing once again to make you aware of a variety of errors that have impacted my ability to secure credit, in addition to the pain and anguish these errors have had on my emotional well-being. 

As of XX/XX/XXXX, the following errors and omissions from Equifax have had a negative effect on my credit profile : 1. The report shows that I have recently missed a payment or had a derogatory indicator reported. I have had neither. I am requesting proof of this including the reporting furnisher of this derogatory report. 
2. The report shows that I have few accounts that are in good standing. All of my current accounts are in good standing. All of my credit cards are paid in full each month and both my mortgage and auto payments are paid on time and in full. 
3. The report claims I have a short credit history. This is not accurate since my XXXX  XXXX XXXX credit card account ending in XXXX was established in XXXX and most of my credit cards many years in age. 
4. The report claims I have too many credit accounts with balances. This is not accurate as I do not carry credit card balances on any of the credit cards or credit lines - all paid in full monthly. The only balances carried are my mortgage and auto loan balance. 

I am requesting one final time for Equifax to correct this error. If necessary, I look forward to proving the above in small claims court. 

I have enclosed a copy of my license, a utility bill, a copy of the credit report showing the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: PA

Complaint narrative:
XXXX XXXX OF ATTORNEY GENERALS OFFICE, BUREAU OF CONSUMER PROTECTION HAS THE DETAILS ON THIS CASE # XXXX. SHE SAID SHE TRIED CONTACTING US & SENDING LETTERS TO US BUT WE NEVER RECIEVED ANYTHING.SOMEBODY IS FULL OF IT, THIS HAS BEEN GONE ON WITH NO NOTICE FOR OVER TWO YRS NOW HER SUPERVISOR TELLS HER ABOUT NOT NOTIFYING US AND SHE SAYS SHE TRIED BUT TO NO AVAIL, SHE SAID BARCLAYS SAYS THEIR WAS NO FRAUD BUT I SAY THERE WAS CAUSE THE CHARGES THAT WERE MADE HAD NO AUTHORIZATION FOR OR EVER DID. THEY WERE FROM MAGAZINE COMPANIES AND INSURANCE COMPANYS AND SHOULDNT HAVE BEEN ALLOWED PLUS BARCLAYS NEVER CHECKED WITH US ABOUT THE CHARGES TO SEE IF VALID OR ANYTHING AND JUST LET IT HAPPEN. MY MOTHER IS XXXX YRS YOUNG AND THEY TOOK ADVANTAGE OF HER. SHE NEVER KNEW WHAT WAS HAPPENING UNTIL I ( HER SON ) SEEN THE EXTRA CHARGES ON HER CARD THAT KEPT GROWING FOR NO EXTRA AUTHORIZED CHARGES TOTAL {$900.00} THIS AMMOUNT WAS UNAUTHORIZED

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 2019-12-13 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: AL

Complaint narrative:
I had a credit card with Chase bank in which a few weeks after receiving the card, a fraudulent transaction was made to 'XXXX  XXXX  ' on XX/XX/2019. The charge was for almost {$6000.00} and I disputed the charge. 

I spoke to several customer service, security team etc agents and nothing was done until I received a letter a few months ago claiming that " They had received my fraud claim for a purchase of around {$460.00} on XX/XX/2019. It was to XXXX XXXX  but it was for the wrong amount and the wrong date. I NEVER even made a purchase of ANY kind on XX/XX/XXXX, and my credit card statements reflect that. 

So I filled out the fraud claim statement but told the fraud team that this was the wrong amount and the wrong date. The agent I spoke to stated that it 'was fine and they would take care of it ' Months later, this fraudulent charge is STILL showing up on my account as of today. Even more so ... .Chase has been charging money for the outstanding balance payment AND still charging me interest for the account. Even while their investigation was going on, they are now even charging me a late payment after I spoke to an agent and said I refused to keep paying on a balance in which I made NO charges. 

I still have the fraud claim letter and my credit card statements PROVING that the mistake was on THEIR part. And they closed down my account as if I was the one to blame. This is beyond unprofessional and I am upset about being ignored and taken advantage of. I have still made payments before now because I figured that Chase would reimburse me for my payments and plus I didn't want it to show as a late on my credit report since the process of dealing with the credit bureaus is enough of a pain and would take a lot of unnecessary time. 

Please have Chase delete this fraudulent charge and I would like them to restore my account. The fraud was NO fault of my own so there is no reason I should be treated as such.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
I am enrolled in the Public Service Loan Forgiveness program since XX/XX/XXXX. The amount of qualified payments I have made have been miscalculated. I called them in XX/XX/XXXX and I was told that they are recalculating the payments and will contact me when they are done. I called them today, XX/XX/XXXX and spoke with XXXX. She told me that their calculations were accurate. The missing payments that were not included in their calculation was because I did not make a payment even though my payment was {$0.00} ( a lump sum payment was made for the year ). They do not count my lump sum payment as adequate payments even though it was applied to my bill for the year.

Company response to consumer: Closed with explanation