vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: IN

Complaint narrative:
I have tried to get a " cash advance fee '' that was charged in error removed. The purchase was with a vendor and I received credit to be used with that vendor only and did not receive any cash whatsoever. Discover retorted that they can charge a cash advance fee for anything they would like to and the customer does not have to receive cash, or anything at all for that matter, to be considered a cash advance. If this is the case, what's stopping Discover from charging a {$10.00} fee on every purchase I make? I believe this is against the terms of service and is gross negligence on Discover 's part. I spent 90+ minutes discussing the issue with a customer representative, with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
I accessed my account online on XX/XX/2020 and noticed that there was a distribution for {$91.00} from my escrow account with the description of " LienTaxDisb XXXX. '' I called to inquire what this distribution was for. I spoke with XXXX who informed me the distribution was for the fees and penalties that were owed on my late tax payment. I informed her that I had been told Lakeview would be responsible for those fees because it was their error which caused the late payment. She informed me that the amount is due from the previous lender so they took it out of my escrow to make the payment while they attempt to obtain the amount from the previous lender. She informed me it could take up to 60 days and my escrow account would be credited when they received the payment from the previous lender. This payment should be at the expense of the company, who should be responsible for making the payment it should not come out of my account to later be credited back.

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 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently ( officially XX/XX/19 ) changed my home insurance plan to a plan that was over {$200.00} less a month ( almost {$2500.00} less for the year ) and informed my mortgage and escrow holder ( Fifth Third Bank ) of the change. A month passes and my new payment due for XXXX has not been altered and I begin calling to ask why my monthly payment has not changed. One escrow specialist I spoke to informed me that an escrow re-evaluation kicks in as soon as one of the elements ( in this case the home insurance ) changes. 

Call back on XX/XX/XXXX and we are informed that there is no re-evaluation being worked on but they will start now, it should take at most 6 days. Over a week later we have received no information so I call back and speak to someone else on XX/XX/XXXX and there has been a request for a new evaluation but it has not been started. I am assured that this will be fast tracked and they will be in touch with me soon. 

No contact from the bank again until today, XX/XX/XXXX, I call back yet again to see if the evaluation is complete and ask why I have not been contacted. The evaluation has just completed and my new XXXX bill will reflect the new payment. I asked over and over again why I had not been contacted when assures over and over I would be and why I had to pay money I should not have had to due to my new insurance policy. No answers were given, just policy jargon, and when I requested documents on of my contacts to the bank I was denied access to those documents. I also asked for a letter or documentation of this denial and I was also denied that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: FIRST HORIZON BANK
State: TN

Complaint narrative:
I have not been scammed but I received a text message saying there was a problem with my First Horizon bank account and there was a link inside the text www.firsthorizonff.com. I did not click on this link in my phone but I did pull it up online and it is a fake replica of the First Horizon Bank 's website designed to scam people. I just do not want anyone to get tricked into using this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: ADIR INTERNATIONAL LLC
State: AZ

Complaint narrative:
To whom it may concern, For several months I have disputed inaccurate reporting to all 3 major CRA'a ( XXXX, XXXX, and XXXX  ) regarding a company called Curacao or La Curacao.

Curacao is the original creditor in this matter. Curacao charged off the debt and sold the debt to a collection agency in the XX/XX/2016. The collection agency that owns the debt and reports to all 3 major CRA 's is listed as XXXX XXXX. I've never received anything from XXXX XXXX, but I know this from reviewing my credit reports. The issue is, even though Curacao sold the debt to a collection agency, Curacao continuously reports a balance due and past due balance to XXXX, XXXX, and XXXX. To my knowledge and research, once a debt is sold to a collection agency, the original creditor may not report a balance to the CRA 's ; they would have to report balance as XXXX ' XXXX  since the collection agency is now reporting the balance and collecting the debt. Every time I have disputed the inaccurate information to all 3 CRA 's, Curacao responds that the information is accurate. So now it's double jeopardy on my XXXX, XXXX, and XXXX  reports. The same debt balance is reporting twice. Also, Curacao, on several occasions, has reported different " current balances '' ( they fluctuate the balance ), and they also periodically change the credit limit on the account ( the account has been charged off for 4 years and was sold 4 years ago to collection agency ). I have called attorney 's for legal advice and know that Curacao is inaccurately reporting. This has caused a lot of stress and anxiety to me and has caused obstacles in my life. Thank you for time looking in to matter. I hope it is resolved soon. I believe Curacao is in violation of FDCRA.

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
When I checked my credit report this new company is now showing up under collections and I have never heard of them before. Company name MIDLAND CREDIT MANAGEMEN and its list twice. First amount {$1400.00}, second amount {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I processed a payment over the phone with a rep on XX/XX/1919, this was returned by my bank as account not found because the rep left a number out of the bank account number provided. when I called back on XX/XX/19 I called and spoke with a rep and processed the payment again, when i noticed i was charged i called and filed the dispute on XXXX to have the call pulled and review as i no i provided the correct banking info. When i spoke to a rep the first week of XXXX i was transferred to the advance rep who confirmed that call was reviewed and disputed was closed when I asked her to confirm the account information there was a number missing and i advised this was the issue. I asked her to confirm that the call made on XX/XX/19 was the call reviewed, she stated no the call review was from XX/XX/19 I advised this was the wrong call and the issue happened prior to me calling back on XX/XX/19. she stated she couldn't locate the call in her department and needed to reach out to another department, today XX/XX/XXXX this charge is still has not been credited to my account, I spoke with a supervisor and i advised her to close this card as I have spend hours with this company trying to get {$27.00} reversed that should not have been charged to this account as it was the initial rep who made the mistake not me not there is a balance of XXXX that I requested they credit and they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06 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: AES/PHEAA
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CapitalOne Bank closed my secured credit card in XX/XX/2019 with no reason, then they refused to issue me a refund of my refundable deposit of {$340.00} which was used as a security deposit for the closed account. I have written to them three letters in the past 6 month with no response. I have tried calling many time with no result. Please advise what legal action I must took in order to get my deposit refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northeast Resolutions Inc
State: AR

Complaint narrative:
I have been receiving harassing calls from what I assume is a debt collection company named Northeast Resolutions , Inc. they have been contacting me and my out of town family stating that they are attempting to deliver certified mail however no attempts ever arrive from the USPS. They have accurate contact information however they continue to reach out to my father in an attempt to shame me into engaging with them for what ever purpose they have. They have yet to state that they are attempting to collect a debt, Ive contacted them back at the telephone number they provided and they answered the telephone stating that they were the XXXX XXXX  Police Department and have provided various company names. They are not licensed to engage in debt collection activity within the state of Arkansas. They will provide no information regarding the nature of the contact other than that they are attempting to deliver certified mail. They have violated the FDCPA repeatedly and have multiple online complaints that are near identical to what Ive stated above. Ive filed BK and they need to comply with the automatic stay and validate their debt or face contempt charges. they need to cease and desist all attempts at contact to myself, my family, friends, or place of work.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SUNTRUST BANKS, INC.
State: IL

Complaint narrative:
To Whom This May Concern My student loans are getting out of hand. I have been repaying them since 2009 and somehow the balance is not going down. 
For past 9 years percent of my paycheck was deducted towards the balance, my federal and state tax returns have been set offset for past ten years to go towards my student balance. In last 3 years my account has been sold 3 times to different companies and new collection fee, handling fees etc has been added to balance. I don't even know who should I contact to stop this and have these new charges, fees and interest deleted from my original student loans. 
SunTrust is new company that has my student loan ownership it was Illinois Student Assistance Commission SunTrust XXXX. XXXX  XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX 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 2020-02-06 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: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
IM REPORTING THAT THESE ACCOUNTS 1. CAVALRY PORTFOLIO SERVICE IN THE  AMOUNT OF {$1000.00} THAT WAS OPEN ON XX/XX/2019 THIS ACCOUNT IS ON ALL 3 OF MY CREDIT BUREAUS THE ONE THATS ON MY XXXX ACCOUNT WAS OPENED XX/XX/2019. ITS A INQUIRY ON MY REPORT AS WELL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$320.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is no outstanding balance. This account needs to report a {$0.00} balance and the collection/charge-off needs to be removed. This account is in good standing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America Im filing a formal complaint with the cfpb on your company I have file several dispute with all of the credit bureaus On behalf of your company regarding in accuracy and erroneous information on my credit report and each credit bureau indicates that you are reporting that the information is accurate I have submitted proof of document but this account is inaccurate in your let r to me dated XX/XX/2018 you indicated that the account XXXX was closed on XX/XX/2018 again from your letter but how ever each credit reporting is showing XX/XX/18 this information is incorrect and I demand that you remove this account from all four of my credit file. See facial proof. As you have effect my ability to seek employment or to obtain anything in my name per the FCRA in the FTC website a credit report must and I repeat must be 100 % accurate Also you are in violation of the Fair debt practice and act as well as the FCRA for failure to enter the required noticed of dispute again please remove this account from all credit reporting agencies and please send me a letter in writing when this is done.

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 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: CA

Complaint narrative:
We have been a Discover Card holder for over 10 years. Whenever I have paid the previous month 's balance off the following month I have never been charged a Finance Charge. Now Discover Card is trying to use some kind of " computer '' magic to say that the daily balance is assessed a finance charge on any unpaid balance over the term of the month. I have asked several times for this in writing w refusal. I called and they said they would not send to me. I have been online with their chat person and this person says they can not send to me the " computer figures it out. '' This is impossible, if I pay the statement balance off from the previous month. There should not be an interest charge. 
Also, today is the day they issued the statement and mysteriously my statement on their website is NOT available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$320.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is no outstanding balance. This account needs to report a {$0.00} balance and the collection/charge-off needs to be removed. This account is in good standing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-06 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$320.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and there is no outstanding balance. This account needs to report a {$0.00} balance and the collection/charge-off needs to be removed. This account is in good standing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-06 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: MD

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: CO

Complaint narrative:
Experian and XXXX  are reporting incorrectly a collection in the amount of {$110.00} on the -XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I cancelled this account and returned the equipment within the time frame outlined in their contract. The representative I spoke with confirmed the closure of the account and verified that the account was in good standing. I did not know I had a collection from XXXX until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: NY

Complaint narrative:
I was trying to send XXXX USD to my sister but by mistake I send to wrong person, I try to escalate this issue I contact the Sendwave they promise me refund back to my account in 1 day latter they text me and tell me that they cant Reverse.

Company response to consumer: Closed with explanation