vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-24 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had reported a card stolen and the card was replaced. The new card had a new number. Also, I had automatic bank payments on the old card so I would never have a late payment. 

I made a charge on XXXX ( XX/XX/XXXX ) and the charge was made to my American Express card which was cancelled. The charge should have been rejected since the card was cancelled and I would have used a different card. American I called American Express They said they charged the new card because it was a an automatic purchase and they were allowed to charge the new card. I have no autoship products with XXXX. I also asked if they could transfer payments to the new card how come they did not transfer the auto pay I had set up so my card would never be charged a late fee? They said it was not the same thing. 

I have been a loyal customer with American Express ( I have a second card I use for business ) and normally pay my balance each month. When I received the new card I put in a drawer. I had received a lower rate from a different credit card company and learned if you cancel a credit card it ruins your credit card score. Therefore, I never thought anything was charged to the card. I also teach for the military so sometimes I am away for long periods of time. 

Since I was not aware of the charge and did not have access to my mail I did not realize the charge existed until I returned home. At that point I had a late payment and late fees which exceeded the charge. Plus they reported the late payment to the credit card agencies. My credit card rating is down 70 points. 

I have written to American Express and tried to resolve this and they have not had the courtesy of answering me. Plus they added additional late payments and reported me to the credit card agency again. I have paid off the card. 

I do not mind paying the bill I owe, but since they allowed a fraudulent charge to go through and I was not aware of it they should not penalize me nor should they have reported me to the credit card agency. 

My complaints are : 1. They allowed an unauthorized charge.

2. How can they say they can automatically transfer charges to the new card, but not transfer the automatic payment information? 

I would like the late fees be reimbursed and American Express fix my credit card rating. 
2.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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:
May of sent to wrong company but this is what your program out lined this is to the CFPB I request a Formal investigation of there credit reporting they are being deceitful

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 2019-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX ( Bank ), formerly known as XXXX XXXX XXXX XXXX Bank, has failed to provide important documents of an account they have sold to XXXX XXXX XXXX on my behalf. I am disputing this with XXXX XXXX XXXX and they do not have any sufficient documents to prove the balance of debt that you sold to them. 

I am requesting that copies of all documents that belong to this account including : Signed Credit Application/ Contract Copy of Identification Used to open account All bank mailed letters concerning selling of account Copies ALL statements from opening of account Details of Purchases that amount to balance owed Copy of letter of Sale of Debt to Portfolio Copies of all bank letters mailed on behalf of this account ( Ref No. : XXXX Complaint XX/XX/2017 ) I have requested from XXXX XXXX XXXX that this account be removed from my credit report. They said you sold the debt to them. I hope this is not FRAUD by you bank going on. Please send me these documents ASAP and no later than 30 days required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: FL

Complaint narrative:
Someone with Douglas Night and Associates called me from XXXX advising they were calling me about an accident I had back in XXXX in 2017. He said the other party filed a bodily injury claim for XXXX dollars and I have to pay that amount. I asked if the other party is suing me and the representative advised me that the other party could sue me if I didn't pay this amount. After working in the insurance business for over 3 years, that amount would be paid out under their personal injury protection coverage on their own policy. This rep advised me that if I did not pay this amount, he would revoke my driving privileges and take my vehicle registration away from me. After reviewing the reviews on this number, he seems to be a scam artist coming after accident victims. I am very upset that he called me and harassing me so I would pay that amount to him. I also know that working in the insurance world, I wouldn't get a phone call from someone if I were to get sued, I would have been served papers, which in this case, I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc.
State: MI

Complaint narrative:
THE ACCOUNT FOR XXXX XXXX WAS FOR {$1900.00}. IT WAS SUPPOSED TO BE PAID FOR IN XX/XX/XXXX. I had payment taken out of savings account. because I knew when the account should have been paid in full I did not check my account. When I checked the account, it was discovered that America first continued to take money out in a total of {$4400.00} for a bill only owed for {$1900.00} Their phone number is ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
Hello, My home mortgage was just recently transferred to XXXX XXXX XXXX ( ShellPoint ). I was notified of mortgage transfer late XX/XX/XXXX. Once I received the letter of transfer, I called ShellPoint to make a payment and set-up a re-occurring auto pay transfer. However, it seems the auto pay was never activated. 

Couple of months passed by and I realized the amount of money I am keeping for the mortgage is not being deducted. I called Shellpoint customer service and only then I was notified that my account is past due! During the " past due '' period, I didn't receive any letters, phone calls or emails to indicate that my mortgage payments are not going through. Also, by law, I have 60days to make a payment from the day of notification ( mortgage transfer ).

Currently I am going through a financial hardship. I am trying to refinance to decrease my mortgage monthly payment. This false late payment caused my credit score to drop  tremendously and not allowing for the refinance to happen. 

I called shellpoint to resolve the issue. The only action they were willing to take is to report to prospective lender that my account status is current. Unfortunately, this is not enough. Shellpoint need to update the 30days past due payment reported in XX/XX/2018 to all credit bureaus to indicate there were no late payments on my account. 

Thanks for your help in advance, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I took out a balance transfer loan from Citi cards several months ago with XXXX interest until XX/XX/XXXX and XX/XX/XXXX, there were two. I was under the impression that if I still used the card and paid the purchases off each month I would not have to pay interest on the purchases. As it turns out even if I do pay it off each month, for the purchases, I am going to be charged interest because I used the card with a transfer balance on it. This seems fraudulent to me.

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 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
EQUIFAX IS PLACING ACCOUNTS BACK ON MY CREDIT FILE FROM FTC REPORTS THAT SHOULD BE REMOVED/BLOCKED/DELETED AS THEY WERE BEFORE, NOW IVE NOTICED RECENTLEY WITH OUT ANY AUTHORIZATION THESE ACCOUNTS ARE RE-APPEARING THAT ARE ON MY FTC REPORT AND SHOULD NOT BE THERE PER FDCPA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I applied for a Reverse Mortgage in XX/XX/XXXX with XXXX XXXX, now it is being service by XXXX XXXX. I have kept the property in impeccable condition and have kept Insurance and pay on the Taxes when due. 
In the fall of XX/XX/XXXX following a storm, I was doing repairs on the Subject Property, and felled on hit my head on the pavement below. I did not go to the doctor, and over time the concussion caused a XXXX to develop and interfere with my memory, cognitive skill and I acknowledge, that I did miss my XX/XX/XXXX Tax Payment due no later than XX/XX/XXXX. 
I received a notice for XX/XX/XXXX and it showed a unpaid tax for XX/XX/XXXX, and when I contacted the Tax Collector office, they told me it was paid by my Lender Nation Star on XX/XX/XXXX. 
I HAVE NO PHONE NUMBER FOR NATION STAR. I called XXXX XXXX XXXX and could only talk to a robot. With my head injury, and little knowledge of XXXX, I was befuddle as to what I should do. I tried to pay the XX/XX/XXXX Tax, in XX/XX/XXXX, before going into the hospital, but was told that Nation Star had already paid. While I was in the hospital in the Intensive Care Unit, I received a Foreclosure Summons from the Attorney for Nation Star. I am XXXX years old, my Spouse suffers from XXXX, and I can repay the Bank for the Taxes they paid, but neither XXXX XXXX or Nation Star ever contacted me by phone, or letter about repaying the Taxes. I do not want to lose my home for XXXX. Seniors should not be treated this way by hauling them into Court on wheel chair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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 contacted Equifax regarding the XXXX XXXX that was reported inaccurately on the file the manager reviewed the submitted documents and advise that she requested to have the account deleted due to the documentation submitted she also documented the file and advised it would take about 72 hours to be deleted and provided me with the confirmation number of # XXXX. I then contacted Equifax on XX/XX/XXXX and was advised it was removed however, they removed the wrong XXXX  account. When I called to advise then they gave me the run around and refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: AR

Complaint narrative:
I submitted supporting documents to Equifax to get an item removed from my credit report. The document was an actual court order ( signed by the judge ) in  my favor showing that the debt/case was dismissed that was filed by XXXX XXXX. I'm no longer responsible for this debt/account. Equifax still reported the information as accurate. How is this possible? They actually tried to investigate a fraud claim on my behalf and I did not request a fraud investigation for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Receivables Network
State: TX

Complaint narrative:
XXXX trying to collect a debt not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
on XX/XX/XXXX I paid XXXX of my balance leaving a XXXX dollar balance, on XX/XX/XXXX Capital One charged me XXXX dollar interest fee.??? They will not remove the charge and I asked how can you charge me that much interest on XXXX??? The rep could not give me a straight answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
ON XX/XX/2019 I SPOKE WITH XXXX REGARDING A DISPUTE FOR PUBLIC RECORD-BANKRUPTCY THAT CAME BACK AS VERIFIED. XXXX INFORMED ME TO CALL LEXIS NEXIS WHOM REPORTED THE INFORMATION TO THEM. I CALLED THE DISTRICT COURT AND WAS TOLD THAT MY FILE WAS IN STORAGE AND NOONE COULD RETRIEVE IT. I SPOKE WITH LEXIS NEXIS ASKED FOR MY DISCLOSURE REPORT # XXXX, INFORMED THEM TO DISPUTE THE PUBLIC RECORD BECAUSE IT IS SHOWING INCORRECT INFORMATION, AGENT CONFIRMED INCORRECT INFORMATION THAT IS REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
CitiBank reported a 30 day delinquent payment to the credit reporting agencies on my behalf. This submission came after I spoke with a Citi representative who informed me I was in good standing and up to date on my payments. The reason I contacted Citi in the first place was to ensure I was not delinquent on my payments, since I'm well aware of what delinquent payments can do to a person 's credit score. I had not used this particular credit card in a number of months and wanted to make completely sure I was in good standing. Roughly 10 days later I see that my credit score has fallen 100 points. I immediately started calling each of my credit card providers to see what the issue could be. After speaking to Citi they informed me that I had a 30 day delinquent payment. I did not receive ANY notification from Citi that my payment was late, including in my online portal, via email, via phone etc. again, I had spoken to a Citi representative just a couple of weeks earlier who  assured me my balance wasn't due until the following month 's billing period. When I asked Citi to resolve this they told me to fax a physical letter to the " Citi Credit Bureau Disputes '' team. I have since faxed 4 separate letters and have not heard one response from Citi.

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 2019-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I am writing to you to complain about First Federal Credit Control XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have found adverse account information listed on my credit reports, mainly XXXX. I have no known or verified accounts with this business and after repeated verification request FFCC has not responded to my certified letters and continue to report to XXXX  in violation of federal law. This company unlawfully reported to XXXX  as resent as XX/XX/2019. First Federal Credit Control has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to at least one of the three major credit bureaus ( XXXX  ). The two erroneous accounts are in the amount of {$310.00} {$150.00}. The accounts are erroneous, inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact First Federal Credit control multiple times via registered USPS certified mail with return receipts which prove FFCC has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I diputed the debt with Midland credit management and requested for validation but no proof rcvd till now I again diputed through XXXX but no resolution I got

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There was a collection for XXXX on my credit file that I have been fighting for some time. It is over 7 years old but kept going from collection company to collection company and always being re-aged as to when the companies picked up the account. The company that they are reporting now is, XXXX XXXX. XXXX and Experian report it one month then not the next. This thing is over 7 years old and no money is owed. I just received noticed from my credit monitoring site that they put it back on.

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 2019-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
My father was a XXXX XXXX XXXX and purchased a home for {$35000.00} in XX/XX/1992. He passed away and I recently assumed the mortgage. They are claiming that approximately {$65000.00} is owed on the mortgage, claiming due to several Foreclosure Proceedings, but can not give me a breakdown of all the fees. 

The original mortgage company is XXXX  XXXX XXXX. Some years ago, XXXX XXXX XXXX sold the loan to NationStar and NationStar is now Mr. Cooper. 

Recently, I had to modify the loan and they changed the supposedly fixed mortgage payments 4 times in the past year. I can't work with that, this is not normal. Especially on a VA Loan. 

I am requesting that they give me a breakdown of all the fees on this account since the beginning of the loan in XX/XX/1992. 

Please help me, I am having a difficult time dealing with Mr. Cooper. They have a problem sending Statements, Notifications and Correspondence to me every month. They can't answer my questions and they don't call me back when requested. I am always told a certain representative is working on the account, but that person never calls back. 

Thank you, I need you to promptly reply and investigate this fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There was a collection for XXXX on my credit file that I have been fighting for some time. It is over 7 years old but kept going from collection company to collection company and always being re-aged as to when the companies picked up the account. The company that they are reporting now is, XXXX XXXX. Equifax and XXXX report it one month then not the next. This thing is over 7 years old and no money is owed. I just received noticed from my credit monitoring site that they put it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: OK

Complaint narrative:
XXXX XXXX denied me a credit card on Tuesday, XX/XX/XXXX ( which in itself is not a problem ). While they were able to inform me I had been denied both in branch and then over the phone, they refused to provide me with any proof of denial via email or through their system, informing me that they were unable to confirm that with another underwriting institution. Because they pulled a hard check on my credit, I am currently unable to receive that approved loan without the denial from XXXX XXXX. It is ridiculous that they were able to deny me within five minutes of applying and then supposedly unable to do so for at least 7 days. Additionally, during repeated phone calls to their customer service phone number, they repeatedly lengthened the amount of time it would take to receive my denial from 7 days to 11 business days.

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