vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email notification that my statement was available online. I was shocked to discover that I had exceeded my credit limit by approximate {$600.00}. 

On XX/XX/XXXX I reviewed my statement online and contacted Discover. To put this as succinctly as possible, there were a total of 17 transactions authorized beyond the credit limit. 

The first transaction exceeding the credit limit was on XX/XX/XXXX. Subsequently, an additional 16 transactions were authorized, including the final transaction pending on XX/XX/XXXX, the day I called in. 

Discover agreed not to charge an over limit fee, and also agreed they would not be charging an over limit fee in subsequent statements, under full knowledge that, if I only paid the minimum amount due, I would still be exceeding my credit limit by {$350.00} at the time of the discussion on XX/XX/XXXX. 

While it may be nice from a consumer standpoint, to not have been charged an over limit fee for a transaction that exceeds the credit limit, I find it incredibly excessive, and possibly abusive, that the company would continue to allow an addition 16 transactions to be authorized over the course of the next 3 weeks, resulting in a balance approximately {$600.00} above the credit limit. 

While I appreciate the company agreeing not to charge any over limit fee, I am concerned they may raise my interest rate, and perhaps more importantly, they have put me in a position of debt that I never had to be in. 

I feel that some type of penalty should be incurred for Discover 's practice in this matter. I fear that I may not be the only consumer dealing with this scenario, and I am filing this complaint to be proactive and make sure this practice does not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jvs group
State: TX

Complaint narrative:
XX/XX/XXXX I sent a letter form to JVS Group requesting information about a debt that was on my credit report for {$350.00} from XXXX XXXX XXXX I was not aware of and explained how I was involved with this agency. I requested information regarding the alleged charges, who authorized them to collect, amount allegedly owed by me and proof of my agreement to pay this bill due. I ask for the debt to be validated with a copy of an agreement showing my signature where I agreed to pay this bill. I did not receive the requested information in their response I received on XX/XX/XXXX to this date of writing. However I did receive a very rude and obnoxious letter from them telling me not to send them my form letter again! and will honor my request for information which they did NOT do. I have not received the information that I requested from them within the 30 days required by law. I will attach the letter I received from this company along with this complaint. I requested what is within my legal rights and per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that validation of the account is required. What I received was a single sheet of paper ( attached ) with notations showing an amount, date, and my name. This is NOT validation that I owe a debt. Attached is the original form letter I sent requesting information also as I am not a lawyer and wanted the letter to be as correct in what I was requesting. All I got back was their FORM letter saying they are sending me the requested information, and did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
Rushmore Loan Management is trying to collect on a debt that does n't exist. Rushmore has illegally put my mortgage loan in default since receiving my loan in XXXX XXXX. I 'm providing my final and last mortgage statement prior to the transfer. Rushmore has the principle balance wrong. I also had unapplied funds which they have n't applied to the principle on my loan. In fact, the funds have disappeared. 

I want Rushmore to correct the principle balance and take my loan out of default. There have been significant violations of the Fair Credit Reporting Act. They should be fined for not having the correct principle balance and trying to collect on a debt that does n't exist. Also, the unapplied funds need to be applied toward the principle on the loan. 

I 'm attaching XXXX XXXX final mortgage statement prior to transfer. The XXXX XXXX XXXX mortgage statements shows the correct principle balance and it also shows it was current at time of transfer. You 'll notice, there are n't any late fees or any unpaid balances. 
I 'm also attaching Rushmore 's payment history which was provided to me in XXXX XXXX. This is Rushmore 's own data records. I marked all the payments that Rushmore received. There are NO missing payments. In fact, it shows they have the wrong principle balance from the start. It also shows they have assessed 2 false late charges. It also shows that they never applied my unapplied funds from XXXX XXXXXXXX XXXX. The only payments that Rushmore 's payment history does n't show are the XXXX and XXXX payments. The proof of payments are included. 

Please also see the most recent Rushmore mortgage statement for XXXX XXXX. The XXXX payment is the only payment due but they are reporting on their statement that they have n't received the XXXX XXXX payment but, they have received it. 

I 've attached the XXXX and XXXX XXXX payments and the signed receipt of when Rushmore received my payments. Once again, they lied saying I was late with payments when they signed for my payments prior to the XXXX of the month. 

I 've also attached the XXXX tax mortgage statement form. This is also Rushmore 's document. Please note, they had my loan in default from the onset of receiving my loan because they have noted " property preservation " fees since XXXX XXXX. Property preservation fees are only applied when a loan is in default and in foreclosure. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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:
Well I never lived in XXXX florida I 've live at XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX for over 24 years. 
And I have a secured line of credit. I have no open lines of credit only secured line of credit at XXXX XXXX XXXX XXXX and I pay more than my minimum amount and usually pay off in full when I use that card. To my knowledge I do not owe XXXX dollars on any card. Like I said I pay attention to my credit and always pay more then what 's owed. And if I put XXXX in the bank that is a secured card with my money so go could I have a balance that is exceeding the amount I put in as a secured card. So please change this also I own XXXX XXXX XXXX and I 've owned this seance XXXX and before that I owned XXXX XXXX XXXX XXXX from XXXX to year XXXX So that needs to reflect in my report. I may have had a rough couple years but I have got back up and XXXX continue to move forward and it looks as if the credit bureau do n't take this credit concerns as seriously as I have ave in the past this is not the first time I 've complained about this issue and I hope you can do a better job of expressing my opinion to them better and get it changed finely for the last time. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Well I never lived in XXXX florida I 've live at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX for over 24 years. 
And I have a secured line of credit. I have no open lines of credit only secured line of credit at XXXX XXXX XXXX XXXX and I pay more than my minimum amount and usually pay off in full when I use that card. To my knowledge I do not owe XXXX dollars on any card. Like I said I pay attention to my credit and always pay more then what 's owed. And if I put XXXX in the bank that is a secured card with my money so go could I have a balance that is exceeding the amount I put in as a secured card. So please change this also I own XXXX XXXX XXXX and I 've owned this seance XXXX and before that I owned XXXX XXXX XXXX XXXX from XX/XX/XXXX to year XX/XX/XXXX So that needs to reflect in my report. I may have had a rough couple years but I have got back up and I continue to move forward and it looks as if the credit bureau do n't take this credit concerns as seriously as I have ave in the past this is not the first time I 've complained about this issue and I hope you can do a better job of expressing my opinion to them better and get it changed finely for the last time. 
XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans union is reporting hard inquires from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX these inquiries should not be on my report. These were soft pulls.

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 2017-09-06 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: PA

Complaint narrative:
XXXX is claiming that I owe them a balance of {$490.00} from services that I had in XXXX XXXX before a move to XXXX XXXX. My services were transferred to my new address, not stopped, thus any remaining balance was transferred and service would not have been continued with such a large payment owed. I was contacted by a collection agency about this supposed debt and reached out to XXXX informed me that the amount was an error because the move had not been documented properly. Still, my report was not fixed. I have filed several disputes regarding this amount in collections and it has not been resolved. I have spoken to XXXX on at least ten different occasions and have been promised the amount would be removed from Collections. It never has been. They have claimed to open investigations and given me claim numbers only for me to be told when following up on the issue, that the claim numbers were not valid. I have screenshots of chats with XXXX representatives assuring me that my debt will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have yet to find anyone to help me at Bank of America. I am getting the run-around from Bank of America employees and staff. A Bank of America rep has told me on multiple occasions that my fraud dispute is being investigated to no truthful answers. I was told by an employee of Bank of America to escalate the matter by calling the police. The police then told me that it was a postal inspector matter. The postal inspector 's office then told me it was a police matter. So here I am. I basically, opened a secured credit master card through Bank of America - and before I even received the card, {$1000.00} dollars had been spent without my even receiving the card. I reported the situation to B of A 's fraud department and that is where the runaround began. 
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 monetary relief
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
ARS Account Resolution, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Three unauthorized credit inquiries for medical bills in the amount of {$340.00}, {$290.00}, and {$970.00}. XXXX XXXX. XXXX XXXX is using my social security number to advance funding and conceal fraud with my medical bill from my XXXX on XXXX, mortgage and income tax fraud with XXXX for property address XXXX XXXX XXXX, XXXX, VA XXXX, knowledge of IRS Valuation XXXX forms that were sent to the IRS, check fraud payments with XXXX that has resulted in a {$170.00} million class action suit revenue that is due from the IRS, fraud of phone bills payment with XXXX XXXX, and forgery and fraud with XXXX and XXXX XXXX XXXX, and knowledge of XXXX letter that was sent on XX/XX/XXXX, fraud with XXXX, and release of information from the City of XXXX XXXX XXXX Department. I am imposing a {$560000.00} denied participation fee for this entity. XXXX XXXX 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 2017-09-06 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express has made several attempts to debit money from my account. I have had to have my bank block all transactions from them in order to stop it. I DO NOT have and American Express card nor do I have any business with them. They have been trying to debit this money without my knowledge or consent. 

I have contacted them twice, they have not resolved the issue. They claim they are doing an " internal investigation '' into the matter, but have attempted to debit the money again while it was supposedly being investigated. I have had to pay a fee to the bank in order for them to block transactions from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Summoned to comply with demand in petition on XXXX XXXX XXXX in amount of {$6800.00} have 15 days to comply in XXXX Judicial District Court Parish of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: CA

Complaint narrative:
I agreed to a payment plan with AR resources Inc. starting in XXXX XXXX to pay a monthly payment of {$20.00} per month for XXXX XXXX XXXX Medical Center I have paid consistently to date I have paid a total of XXXX XXXX, XXXX {$400.00} however, I sent an email to AR resources on XXXX XXXX, XXXX requesting my new account balance and an explanation of charges I have not heard an answer. I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
On XX/XX/XXXX a check was deposited for {$510.00}. This was an insurance check and none of the funds were made available prior to the release date of XX/XX/XXXX. In addition, the bank has limited ways to fund an account. After being told that no checks would be returned, nor would any overdraft fees be collected, they immediately returned a check for {$100.00} and did not make me immediately aware of any holds on the funds, but did so by mail, received XX/XX/XXXX. I believe that several of the regulations set forth in Regulations CC and Expedited Funds Availability Act when an insurance check.

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 2017-09-06 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: AES/PHEAA
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX When I received a copy of my credit report back in XXXX XXXX, I discovered that FED LOAN SERVICING STUDENT ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts, and did not even seek a high education or attend college. So these accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CT

Complaint narrative:
For more than a year, the XXXX XXXX XXXX XXXX   website/XXXX XXXX XXXX website has not opened without problems. It has taken roughly 20-50 minutes each month for this website to open when it would open. Trying to pay my mortgage online from a device at home has been extremely difficult and time consuming, and sometimes, it was not possible to pay my mortgage online at all and I became late in payment because of their dysfunctional website. I spent about 2 hours on the phone with customer service over the course of several months trying to resolve my issues with their website not working. I used several different devices, browsers, and operating systems. 

Last month, I became unable to login to my mortgage account at all. I called on a Saturday morning at XXXX XXXX for assistance and was told that the mortgage division was n't available. On a weekday, shortly thereafter, when I could get away from work obligations for a short time, I called an " escalation expert '' about this. She said this was a known issue. She said that " a lot of people were having this problem '' and she took me through several steps to try to resolve the problem as if this was an issue she dealt with regularly throughout the work day. She mentioned things like, " usually this works, your last reset was in XX/XX/XXXX which was before we ..., so you will require a reset to be able to access the system ... '' It was very obvious from talking to her that she did this several times a day and that this was an issue PHH was well aware of that was impacting many, many customers ability to access their accounts online. ( Their phone system states, press XXXX to reset your account, press XXXX for everything else ). These steps still did not allow me to login. I was on the phone with her for about an hour. I eventually, had to go back to work or lose my job, so I had to end the phone conversation before my issue could be resolved. 

I called again on XX/XX/XXXX and spent another hour on the phone with XXXX XXXX who also could not resolve my login issue after several attempts. XXXX confirmed that I was charged at least one late fee and that I do not have a flawless payment history. This should not be the case. I have attempted to pay my mortgage on time every month, however the website did not always allow me to login. 

In XX/XX/XXXX, it is reasonable for a consumer to expect to be able to login to a creditors website and pay what is owed online monthly within 3-5 minutes successfully without issues once their initial login is created and working. Each time, this dysfunctional website blocks me from being able to make a payment online, I am incurring interest charges for the unpaid amount. This is what I am most upset about. PHH Mortgage Services prevents me from making a payment online, then they profit from that fact by charging me a late fee and additional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays bank continues to send me correspondence that there is a balance owed and due when in fact we have settled the account and the account balance is XXXX. Barclays has not updated the credit reporting agencies and will not provide written confirmation that the account has been settled and is at a XXXX  balance and has not provided that information to the credit reporting agencies. XXXX XXXX at Barlcays will receive this complaint and that is the person who I have been trying to get this information from. XXXX is not going to provide an unbiased response on this report and so it should be transferred to another corporate representative to prepare the response.

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 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I was a victim of indentity theft in XXXX of 2017. Someone has made several attempts to obtain credit in my name. I reported this to Transunion and they refuse to assist me in getting these hard inquires removed from my credit report and it is effecting me negatively as I am in the process of trying to buy my 1st home.

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 2017-09-06 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: NY

Complaint narrative:
I believe that my personal information on Equifax, XXXX and XXXX was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.

Company response to consumer: Closed with explanation