vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I had an initial mortgage loan with XXXX XXXX created in XXXX. In XXXX this mortgage was transferred to SELECT PORTFOLIO SERVICING , inc. From XXXX to current I've been paying taxes through escrow with little variation in my monthly payment. In XXXX the mill rate was based on a fair market value of {$200000.00} and in XXXX the mill rate was based on a fair market value of {$130000.00}. AGAIN, there was little variation in my monthly payment during this time and clearly my property taxes being paid through escrow were significantly lower. 
Despite all these facts, XXXX XXXX claimed a {$2900.00} " escrow advance '' during XXXX just prior to the transfer to SPS. Keep in mind they only paid {$1700.00} to the county in taxes! RATHER THAN SPS disputing this " advance '' they applied this to my loan as a fee that would ultimately create " fees '' and " charges '' of {$8700.00} in total as of XXXX! 
SPS continues to justify this fraudulent charge of {$2900.00} an all the subsequent fees and charges rather than removing from our account immediately. 
I've submitted to SPS the tax payment record from XXXX direct from my county showing exactly what was paid by XXXX XXXX during XXXX. Why is this legal?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: VA

Complaint narrative:
I had fraudulent activity and unauthorized charges on my card with card.com. When I found out I reported my card stolen. This happened onXX/XX/XXXX I spoke with a representative o. XX/XX/XXXX to submit the fraud I had several charges in the amount of {$550.00}. Sent all my documents back to the company and I was advise that I had to wait 10 business days for a provisional credit I was also advice that I need to call the company to have the pending charges release so they can credit my account. I advise them why do I have to wait so long for my hard earn money when I didn't create the charges. I advise them That I had to pay my Bill 's and i need my funds asap. To this date still no review. When i seen banks give provisional credit within 2 days are the same day. I feel like this company makes up there own process and doesn't comply to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The collection company responded to my complaint, and responded that this account was no longer valid and removed.

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 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have a account that is incorrect listed on my credit reports. It appears to be a debt collection from a source that I do not recognize. I have never applied nor utilized this service under no circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/19 MoneyGram debited my checking account twice in the amount of {$210.00} each time. A total of {$420.00}. In my MoneyGram account, it shows only one payment was sent for that amount.

I contacted the number given for customer care. My first call was taken by a person whom I could barely understand. It was clear she could not do anything to explain or fix the problem. She gave me another number to call. This call was also answered by a person whose first language was definitely not English. He told me to call back in three days. He gave me no assurance that the error was going to be corrected.

Since this was not an error on my part, I find it very upsetting that this seems to be of no priority to MoneyGram to rectify their mistake and very vexing that I am out of pocket for {$210.00} that I had not budgeted for. Even more concerning is are they going to ever fix it?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Hi, Back in XX/XX/2015, I confused the monthly payment due date of my Capital One credit card with another of my credit cards payment due date. The amount was under {$50.00} and by mistake, I made the payment on the other card. That novice mistake ended up counting as a missed payment on my credit report preventing my credit score today from being excellent to good ... 
I have never confused credit cards payments due dates ever since and also I have never missed a payment on any of my credit cards since as my credit history record will show ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I have a debt collection for utility services I did not authorize. I have no knowledge to what led to this but the debt is not mines. I did not open this account under my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/19 I was notified that my debit card had potential fraud when I had possession card. I called fraud and it was determined that someone was trying to use my card number. I am currently traveling and needed funds so I had to activate my credit card. I asked for a fee that was assessed on XX/XX/19 in the amount of {$35.00} to be waived as my funds were deposited on XX/XX/2019. I have been a customer for 7 years and the supervisor refused to waive the fee. I am asking for the fee to be waived as a courtesy as I was on the phone with Bank Of America for over 40 minutes due to a fraud issue that was not my fault. Please review.

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 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: IA

Complaint narrative:
XXXX XXXX sent money owed into collections. I closed my account with them and didn't use the service. Even sent internet router back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PREFERRED CREDIT INC
State: NV

Complaint narrative:
I received a call on XX/XX/XXXX at XXXX XXXX from XXXX at Preferred Credit trying to collect on a XXXX that I had paid off in XX/XX/XXXX. I confirmed with them that I had made the payoff payment of {$2000.00} on XX/XX/XXXX but they insisted that though they showed I had made the payment it was showing on their system that it was unpaid. They threatened to have this debt negatively reflect on my credit report even though I informed them it was an error. They checked with the manager and said that someone ran it for an incorrect date, and that my balance should be XXXX out in 7 business days. They gave me a call back number XXXX. I do not want this to be reported as an unpaid debt and adversely affect my credit report since the debt has been paid in full. I'm not sure why they would be calling so late to collect on a debt that has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: OH

Complaint narrative:
THE BUREAUS # XXXX. I had previously disputed this account. I have never done business with THE BUREAUS-XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I demand THE BUREAUS XXXX provide some paperwork of this account that I have no record of ever doing business with, I received nothing. THE BUREAUS-XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also have the right to file suit against you for any future violations of this law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
THE BUREAUS # XXXX. I had previously disputed this account. I have never done business with THE BUREAUS-XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I demand THE BUREAUS XXXX provide some paperwork of this account that I have no record of ever doing business with, I received nothing. THE BUREAUS-XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also have the right to file suit against you for any future violations of this law.

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 2019-03-01 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: OH

Complaint narrative:
XXXX XXXX # XXXX. I had previously disputed this account. I have never done business with XXXX XXXX-XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I demand XXXX XXXX -XXXX provide some paperwork of this account that I have no record of ever doing business with, I received nothing. XXXX XXXXXXXX  needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also have the right to file suit against you for any future violations of this law.

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 2019-03-01 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with XXXX regarding a trade line reported by Specialized Loan Servicing, due to inaccurate balance and payment history data reported. On XX/XX/XXXX,  the balance of the trade line was updated to the correct amount ( {$0.00} ), yet the paid history continues to show a charge off date of XX/XX/XXXX when the date of first delinquency was XX/XX/XXXX ( in  violation of the FDIC 's Uniform Retail Credit Classification and Account Management Policy ).

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 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX  credit file XX/XX/2019 confirmation # XXXX XXXX XXXX XXXX XXXX has error as 3 payments received as attach copy from Equifax. I have attach a copy from XXXX XXXX XXXX XXXX as 5 payments all paid current and paid on time. Equifax has errors on this account on correct payments received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited XXXX cashier checks on XXXX. {$160.00} was made available to me after the cashier check covered an insufficient account. I then was told that the bank had made a small amount of money available. I went back to the bank a few minutes later and took out the money. The next day they reversed everything and I now have over XXXX XXXX dollars below, insufficient funds. They have told me that further review may result in not having deposit availability, and reversed one fee. The banking institution is Chase Bank. I Now will get a few insufficient fund few do to this hold. This is not ethical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Hi, Back in XX/XX/2015, I confused the monthly payment due date of my XXXX XXXX credit card with another of my credit cards payment due date. The amount was under {$50.00} and by mistake, I made the payment on the other card. That novice mistake ended up counting as a missed payment on my credit report preventing my credit score today from being excellent to good ... 
I have never confused credit cards payments due dates ever since and also I have never missed a payment on any of my credit cards since as my credit history record will show ...

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 2019-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Hi, Back in XX/XX/2015, I confused the monthly payment due date of my XXXX XXXX credit card with another of my credit cards payment due date. The amount was under {$50.00} and by mistake, I made the payment on the other card. That novice mistake ended up counting as a missed payment on my credit report preventing my credit score today from being excellent to good ... 
I have never confused credit cards payments due dates ever since and also I have never missed a payment on any of my credit cards since as my credit history record will show ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
IQ DATA INTERNATIONAL IN XXXX XXXX XXXX XXXX  WY XXXX XXXX, WA XXXX XXXX is one of the agents I spoke to at iq data. I  was informed that I would owe a certain amount of money for my debt collection, however I noticed a different amount of money was collected out of my account without my authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2018, I picked up my vehicle from XXXX XXXX XXXX in XXXX, California after a supposed strut assembly installation job was done. After picking up the vehicle, the vehicle was making novel noises from the right front wheel, indicative of problems. I asked the merchant, XXXX XXXX XXXX, what they thought the issues were. They said they are not sure, came up with several incorrect suggestions, and lastly told me to take my business elsewhere. In order to get my vehicle back, which I needed for work and school, I had to use my credit card as collateral, though I knew the job by XXXX XXXX XXXX to be botched. XXXX XXXX XXXX proceeded with charging my card an unauthorized amount of {$640.00}. After receiving my vehicle back, the noises worsened. I then towed the vehicle to another shop near my hometown and they determined the vehicle to be unsafe to drive, caused by bad work. Statements from a pre-inspection done on my vehicle before visiting XXXX XXXX XXXX corroborate the second shops statement. 

Because of the bad work done by XXXX XXXX XXXX and a job which rendered my car from operable to inoperable, I opened a case with the California Bureau of Automotive Repair. The case worker complied a file that tagged multiple violations on the part of XXXX XXXX XXXX - including performing work on a customers car that the customer did not obtain proper authorization for. California law states that a signature must be obtained before work is to be done on a customers car, verifying that the customer agrees to the repairs being done. 

Since the card used as collateral in the transaction was Discover credit card brand, they were the ones contacted to dispute this transaction. The FTC allows a 60 day window for charges to be disputed on the account of unauthorized charges and for services not delivered as agreed. Therefore, under dispute is two-fold : that XXXX XXXX XXXX did not obtain proper authorization to work on my vehicle and that their attempt at service was bad work, leaving my vehicle inoperable. Discover has refused to recognize either dispute and claims that I agreed on the services. They further claim they are unable to accept legally-affiliated documents, which cover improper credit authorization. 

Please request the California Bureau of Automotive Repairs file claim covering the violations of XXXX XXXX XXXX as needed. I will then proceed to file form SC107 in the XXXX County Court System to provide an untouched copy.

Company response to consumer: Closed with explanation