vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 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: DISCOVER BANK
State: UT

Complaint narrative:
Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Fri XXXX XXXX2019 INTERNET PAYMENT - THANK YOU {$1000.00} Wed XXXX XXXX2019 RETURNED INTERNET PMT {$1000.00} Questionable Charge : Not authorized by account owner Wed XXXX XXXX2019 REPRESENTED INTERNET PAYMENT - THANK YOU {$1000.00} XXXX XXXX 2019 Why was a returned payment resubmitted without my notice or permission? I only authorized the initial/single payment.

Re : Online Payments [ # XXXX ] Please note if a payment is returned due to insufficient or uncollectable funds between {$5.00} and {$2400.00}, the payment will automatically be resubmitted once. This means the payment will be attempted two times total.

I don't care what the amount, they have NO right to dispense my funds beyond my initial request. I request the bank pay my fees incurred at the other end of the payment process. Discover Card is liable for fees incurred on the other end due to their irresponsible and unauthorized handling of my money.

Discover Card also needs to stop the practice of requisitioning account holder funds to meet their own ends.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-25 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: LA

Complaint narrative:
I disputed this account several times and XXXX, XXXX and Experian refuse to remove this XXXX XXXX off my credit report. I am attaching a copy of the letter i received from XXXX XXXX stating that this account is fradulent.

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 2019-03-25 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 plus days past due on the XXXX - partial account number XXXX ( page 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. I have contacted to two bureaus to fix this incorrect reporting on my credit report. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.

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 2019-03-25 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: NY

Complaint narrative:
This past XXXX I lost my wallet. My Bank of America credit card was used to book a hotel reservation in XXXX for over {$2200.00} dollars. I immediately called BOA 's fraud department and told them what happened and that I had not made that charge and to please cancel the card. They did, sent me a new card and said not to worry they would take care of the unauthorized charge. 

The following month I noticed the charge back on my account. When I called them a second time they told me they decided no fraud had taken place. I asked them to reopen the case and to have the security department call me with any questions which they never did. Two months later they sent me a letter saying that they would not reverse the charge because the person that booked the reservation never actually stayed at the hotel and therefore there was no fraud. 

Just because they didn't catch the person that made the reservation doesn't make it any less fraudulent. I don't understand how they're claiming it wasn't fraud. Someone still used my card and it wasn't me. How is that not fraud? They didn't do their job and now they expect me to pay for it. The sick part is I probably could have called the hotel and gotten them to cancel the reservation I didn't make but I thought it would be better to let them handle it. 

They are now harassing me every day trying to get me to pay for a charge that isn't mine. 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 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
As of todays date, a total payment of {$1300.00} has been paid via my checking account. The most recent payment of {$330.00} was withdrawn from my checking account on XXXX. Mr. Cooper has been reporting that I have made payments via XXXX XXXX XXXX XXXX I have NEVER made payments via XXXX XXXX. 
The total amount of {$1300.00} has not been applied to my mortgage account. Late charges have been applied. 
Mr. Cooper continues to unapplied the amounts being paid. By not applying to my account, this appears as though I have not been making loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase erroneously charged me for end of lease. Even more I traded my XXXX XXXX XXXX XXXX in on a pull ahead program with XXXX XXXX at the dealer. No one at the dealer advised me of damage or the opportunity to have a pre inspection. Therefore I disputed this transaction immediately after receiving a XXXX statement. I heard nothing from them until XX/XX/XXXX which was a reduced bill for lease liability. I then sent another lease dispute letter for I wanted pictures and when I made a lease deal for my new XXXX   XXXX XXXX XXXX, the dealer stated this was a total deal and I took advantage of the manufacturer 's Pull Ahead Program. 

The monthly payments were to be absorbed and the excess wear and tear was not documented. Once again, I asked for pictures and did not receive them and on top of that I was told by XXXX XXXX that this was a clean all inclusive transaction. This is very shady. 

However, the most damaging thing is that it has been reported to my credit as I attempted to pre-qualify for a home. This is insane! 

I was on the phone with Chase and spoke to two reps and the credit counselor there and they said there is nothing I can do. They can not remove the credit ding even if I paid in full although I know I don't owe the money. 

I asked for a letter to show to the Mortgage company from Chase to show that this is in dispute and it has been reduced and still they won't help me. They said that I had to pay it in full to stay off my credit! What a hoax and an awful way to treat a current customer. 

Please aid me in this and I know Chase has had complaints. They provide no remedy or supervisor to speak to. Meanwhile I can not get a loan. 

Thank You! 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 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: TN

Complaint narrative:
Equifax and XXXX are continuing to report past due payments that are too old to be reported. The continue to past due payments for student loans that are older than 7 years. Per the Fair credit report act, Remove negative information seven years after the date of first delinquency. This is not being done. Equifax and XXXX are continuing to report past due payments for several close XXXX XXXX accounts that are older than seven years. I have disputed this multiple times yet Equifax and XXXX continue to report out of date past due payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: LA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting me 120 days past due on the XXXX - partial account number XXXX ( located on page 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to get this incorrect reporting fixed. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: MN

Complaint narrative:
A XXXX XXXX credit card account was opened in my name in XXXX. In XXXX wells fargo closed the account without my prior knowledge. I was unaware of any remaining balance. Since they closed this account in XXXX, they have been continuously reporting late payments each month to the credit bureau. I recently checked my credit report and have noticed 40+ late payment notifications on a closed account!!! It has damaged my credit very badly. I had no prior knowledge of these late payments that were reporting to my account each month for the past 4-5 years. I have filed a dispute with XXXX, Equifax and XXXX and they have failed to remove this from my credit report. I am making a formal complaint with XXXX, Equifax and XXXX for failing to due there due diligence to respond to me and correct my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
This company is trying to collect a debt from 13 years ago.These is acrooked company trying to make me contact them to revalidate the debt. They are calling me on the phone and sending me letters like the one attached below. This has to stop because it is illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: VA

Complaint narrative:
I received a text on my personal cell phone on thursday, XX/XX/2019, saying word for word : " Please contact MRS Assoc. regarding a XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. Further details have been mailed or emailed. Please review your email inbox, junk, or spam folder. Prefer to chat? Visit us at www.mrsbpo.com and chat with a representative. '' I received calls from MRS on XX/XX/2019 at ( XXXX ) XXXX and on XX/XX/2019 at XXXX ( XXXX ) XXXX. I will not pick up or respond to these calls or texts. My XXXX  account was closed on XX/XX/2019, which is only possible to do when the balance is {$0.00}. 

I have moved from the address the account was linked to ( remember, the account is now closed - and had no balance left when I closed it ) and have received no mail or e-mail regarding the supposed " debt '', which makes the attempted collection illegal. They are giving me no details of the debt and I will not respond to their texts or phone calls. MRS Assoc. should be fined and put out of commission. They need to stop harassing me for debt I do not owe and this should NOT show up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
INACCURATE PERSONAL IDENTIFIERS ON CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent a letter to the credit bureaus on XX/XX/XXXX, asking them to investigate errors on my credit report. All three were supposed to respond within 30 days, but I have only received a response from 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 2019-03-25 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: LA

Complaint narrative:
XXXX ; XXXX and Transunion are reporting me 120 days past due on the XXXX - partial account number XXXX ( located on page 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to get this incorrect reporting fixed. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.

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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX ; Experian and XXXX  are reporting me 120 days past due on the XXXX - partial account number XXXX ( located on page 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to get this incorrect reporting fixed. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.

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 2019-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: National Recoveries, Inc.
State: CA

Complaint narrative:
Today I received a letter from the US Department of Treasury about my joint tax return refund being applied to a delinquent debt I owe. It states that the debt is to the US Department of Education Federal Offset Unit. When I called the Treasury Offset Program it states that National Recoveries a collection agency has my debt. I paid off my student loans years ago and know nothing of this debt, nor have I ever been contacted by anyone about the debt. I've tried reaching out to National Recoveries today to fix this and have had no luck. I tried by phone and I have tried contacting via their website which is stating it's unable to send the communication. 

My concern is that I don't know why I have an unknown student loan and why is the first time I am hearing about this? I XXXX college approximately XXXX years ago, and don't understand where this loan is coming from. On the document I received today it states " Before sending a debt to XXXX XXXX, an agency must send notice to you at the address in its records. The notice explains the amount and type of debt you owe, the rights available to you and the agency 's intention to collect the debt by applying eligible federal payments made to you. '' I have not been contacted by National Recoveries about sending this unknown debt to the XXXX XXXX and I have not been notified or communicated the amount and type of debt I owe. I feel this is a very unfair practice by National Recoveries and would like an explanation of what is happening and I would like them to help resolve the confusion.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent a letter to the credit bureaus on XX/XX/XXXX, asking them to investigate errors on my credit report. All three were supposed to respond within 30 days, but I have only received a response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My loan, which is being serviced by Specialized Loan Servicing, was charged a fee of {$25.00} on XX/XX/2019. When I called to learn the cause of the charge, the representative told me that I was charged for requesting a payoff statement. While I did order a payoff statement online, there was no disclosure that the request for a payoff statement would result in a fee. This practice of charging a fee without properly disclosing is clearly an unfair and deceptive practice. 

Additionally, when I spoke with the representative on XX/XX/2019, she indicated that should could not log a complaint over the telephone, but rather, I must send a letter. She indicated that she would log a dissatisfaction

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX and Experian are continuing to report past due payments that are too old to be reported. The continue to past due payments for student loans that are older than 7 years. Per the Fair credit report act, Remove negative information seven years after the date of first delinquency. This is not being done. XXXX and Experian are continuing to report past due payments for several close XXXX XXXX accounts that are older than seven years. I have disputed this multiple times yet XXXX and Experian continue to report out of date past due payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: TX

Complaint narrative:
I submitted a complete modification package to XXXX XXXX, XXXX on XX/XX/XXXX. I did not receive a denial letter until XX/XX/XXXX after receiving the notice of acceleration on XX/XX/XXXX ... the letter is dated XX/XX/XXXX with a fix by date of XX/XX/XXXX ... the sale date is scheduled for XX/XX/XXXX. I hired an attorney to help me before starting the process and I am still shocked that it happened this way. I am XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX ( page 14 and page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX is reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( page 16 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax ; XXXX  and XXXX are reporting incorrectly that I am 30 days past due on the XXXX - partial account XXXX ( page 20 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to fix these issues on my credit report. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation