vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/2021, I made a payment of {$500.00} to XXXX XXXX XXXX using my Discover Debit Card. The first transaction was rejected due to issues with the card, so another transaction was made using the banks routing and account numbers. It is XX/XX/2021 and those funds still have not bee deducted from my Discover Checking Account. The transaction doesn't even show up in my pending transactions. 

Additionally, Discover seems to be re-sequencing my transactions as they never occur in the order in which I make them. None of the transactions, I may clear immediately. They clear within 2-3 days after the transaction was made. An problem I never had with my previous bank before they closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX AND XXXX XXXX and I do not have a contract with CMRE FINANCE plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
On XX/XX/XXXX, there was a hard credit inquiry pulled that I did not authorize. I have contacted the company by phone and because I do not have an account with the company I have not been able to speak with a representative to inquire about the hard inquiry that was pulled without my permission or authorization to do so.

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 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN IS DISPLAYING XXXX  XXXX ACCOUNT XXXX A NEGATIVE ACCOUNT.CAPITAL ONE HAS SENT A LETTER SAYING THEY DO NOT OWN THIS ACCOUNT ( ATTACHED ) EXPERIAN CALLS THE DISPUTE FRIVOLOUS, SAYS TAKE IT UP WITH THE SUBSCRIBER AND REFUSES TO ALLOW UPLOAD OF THE LETTER FROM XXXX  XXXX 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 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo has changed terms on my account multiple times without me requesting them to do so, and without notifying me. 

-they removed overdraft protection on my account without notifying me. 

-they did so because I complained that they had changed the time of day that my account settles, without notifying me. Usually my account closes at XXXX PST daily, this was changed at some point within the past few months to ( I believe ) XXXX EST. 

-I am used to having until 12 to deposit money if I would happen to overdraw the account. 

-This change caused me to overdraw multiple times without realizing it. 

-Oddly, the WElls Fargo app, did not reflect this change. And it still showed that my ending daily balance was positive. Even though this was the case, and I informed Wells Fargo of this, they refused to assist me. Instead they did not respond to my inquiry and removed over draft protection on my account without informing me or gaining my consent to do so. 

This has caused a material loss, and I believe that these practices were not only deceptive, but intended to abuse the power Wells Fargo has over consumers.

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 2021-07-01 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: GA

Complaint narrative:
I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9500.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$7500.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$9100.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} ) ( U S DEPT OF ED/XXXX Date Opened : XX/XX/XXXX Amount : {$3800.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$8800.00} ) ( U S DEPT OF EDXXXX Date Opened : XX/XX/XXXX Amount : {$6100.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: MI

Complaint narrative:
I had received a phone call from a collection agency of an outstanding bill from a property I use to live at, the debt collection company told me to contact the property company. The company claimed there were damages to the property totaling XXXX dollars after keeping a security deposit. I had requested the company provide proof of damages which they could not due stating they no longer had. I had told them with out proof of damages or the debt I can not pay the amount. The collection agency continues to call me despite not giving me proper proof, or even proper written notice as the company claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: MT

Complaint narrative:
When I contacted the company : regional finance company of New Mexico and XXXX XXXX XXXX XXXXXXXX, both companies told me they could not proceed with any further information because my name and birthdate did not match her Social Security number. It is my Social Security number! But, someone elses name and birthdate and address which is a PO Box in Arizona. I reside in Montana. The amount of the balance that is showing up on my credit is {$6300.00}. XXXX. My Social Security number was used without my knowledge. The debt owed is definitely not mine. I need help posting an alert to this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LoanCare, LLC
State: PA

Complaint narrative:
My complaint is against my mortgage lender Loancare who is not paying a third party debt collector who are trying to collect their fees on delinquent school district taxes.

1. First they did not taxes to school district in year of 2020 leading to involvement of third part debt collector who started sending me notices about delinquent taxes. We informed Loancare about it. The said they will solve it but didnt. No follow up was done.

2. We got second notice from debt collector with increased fees now due to delay. We informed Loancare about it. They said they will resolve it but didnt. No follow up was done.

3. We got third notice from debt collector with increased fees now due to delay. We informed Loancare about it. We started escalating as company did not show any responsibility and accountability. They again said they will resolve it but didnt. No follow up was done. They asked us to call them for follow up this time.

4. We called, they said they have resolved this issue. To no surprise, we got slammed with fourth notice with fees increased again.

5. I tried to escalate with multiple calls. The call center keeps transferring to different managers who says will call back but never do. They never let me speak to their supervisor. They never send any follow up email or calls. They dont allow me to pay off this debt collector and then reimburse me. I am so tired of them. I dont know what to do with their lies and irresponsible behavior.

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 2021-07-01 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
After several attempts to get the account removed from my credit profile after learning of the class action settlement. There was a 33 state predatory lending class action settlement against Santander Consumer USA where Santander agreed to relieve loans and help repair the people credit affected by there actions. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
Im a customer of BBVA bank I filed several disputes for the same merchant transactions on XX/XX/2021. I was issued provisional credits. I was then notified by mail on several different days that half my claims had been approved and the other had be denied. I remind you they were all unauthorized to the same merchant. What is most surprising is that in XX/XX/2021 there were about 10 transactions for XXXX. Dollars each. They were split up into separate claims because bbva will only let 40 transactions per claim. And one claim was approved for the transactions on XX/XX/2021 and the others for the same day were denied. This is the case for all the claims. They have now frozen my account took all my money from me and are telling me they did all these verifications to validate the charges. But how can that be if on the same day they determine there were valid and fraudulent charges made? They have left me with financial distress and will only give me the run around. I asked for copies of all there findings they said Ill get them in 15 business days. That violates federal banking laws Im supposed to be notified within 3 days of there investigations. Also they refused to let me appeal the decision on the claims telling me they would once again be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I pulled my credit report in XX/XX/2021 and learned of several collection accounts on XXXX and XXXX from Online Information Services for past due collections that I did not know about. I sent them a certified letter on XX/XX/2021 to ask them to validate the debt. As of today I have not received a reply with this information. I have requested that all accounts be removed immediately and they have refused. Enclosed you will find a copy of the certified mail receipt and the last letter enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC
State: VT

Complaint narrative:
We use HarborOne for a mortgage, not because we signed the mortgage with them, but because they bought it from another mortgage lender. We paid our mortgage electronically on XX/XX/21 on their website, however the payment was posted to our bank account twice, once on XX/XX/21 and the same amount on XX/XX/21. We spoke with the mortgage company as soon as it was noticed and were told that we would get a call back in this regard, however no one called us back. On calling the company again, my husband was angry about not hearing back when he was told to expect the call, but the person we spoke to at that time had no empathy for us and gave my husband a hard time for his anger and then hung up on us. So much for customer service! We had been in contact with our bank as well, who informed us that there was nothing they could do on their end since the extra payment had already gone out. We did not authorize the second payment, and our statement has the second payment with the same amounts going toward interest, etc. If we had entered the extra payment, these numbers should have been different, since we had already paid toward interest. It is obvious to us that HarborOne was at fault for this issue, however even when we got through to a manager we were told in no uncertain terms that we had entered 2 payments, that it could not possibly be a mistake on their end. We were assured we would get the money back eventually, but that after both payments cleared their bank we would be sent a check. Meanwhile any other outstanding debits were going to bounce and incur fees. I understand that mistakes are made at times, however as we are certain that the mistake was on their end, it is very disappointing that the mortgage company continues to insist that the mistake was on our end, and that they will send us a check eventually.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX and I do not have a contract with AMERICOLLECT plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$85.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Optimum Outcomes, inc have been calling nonstop every single day regardless of the time. Ive asked them how they got my number but refuse to tell me. Furthermore, theyre constantly sending illegal mail to me stating I owe a debt. How can you pay something in a positive balance? Please explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Debt Holdings, LLC
State: TX

Complaint narrative:
My mother received a phone call on XX/XX/XXXX from XXXX XXXX from phone # XXXX threating that she needed to provide him my info or he would have me served at my place of employment to be locked up by an officer and that he was trying to spare me the embarrassment and to give me IG # XXXX. When I called the phone number he left the rep. who answered did not identify herself when I asked the name of the company and the reason why they were reaching my mother? Instead asked for an IG # which I provided then started threating me stating I was a criminal and attempted to defraud the system and if I was familiar with a penal code? I then again asked reason for call she started making treats of taking me court which then I asked to speak to her superior. I then talked with XXXX XXXX who gave him is direct ph # XXXX and his company handles civil matters, they were a mediator for XXXX XXXX but that is was a debt collection call and didn't state why his employees were stating otherwise. I asked for a validation of debt which was not provided and also informed him they have now violated the FDCPA laws in place given threating and scare tactics not to mention mini Miranda not being read at the beginning of call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with MG CREDIT plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$840.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX and I do not have a contract with ENHANCED RECOVERY CO L plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
An escrow refund check was issued to me on XXXX and sent to an old address. I did not receive that check in a timely manner. Once I received the refund check, it was void because it had been more than 90 days since it was issued. I called Dovenmuehle mortgage on XX/XX/2021 to let them know that I needed the check reissued. They took down the information, including the correct mailing address and told me that a request for the check to be reissued was submitted and that it would take 30 days to receive. On XX/XX/2021 I called back letting them know I hadn't received the reissued check. They said the check was still in process and it could take 30-60 days total and to keep waiting. I called back on XX/XX/2021 to inquire about the check and was told that it still hadn't been reissued and that the manager would escalate the issue, email the escrow department directly and get back to me within 5 days. This did not happen. I called again on XX/XX/2021 and continue to receive conflicting or incomplete information regarding the funds owed to me. The latest I'm being told by them is that the funds have been sent to the state as unclaimed property. I've contacted the state controllers office and confirmed with them that is not the case and they do no have any unclaimed funds in my name. Dovenmuehle mortgage company is unable to provide me proof of delivery to the state as required by law and continues to give me the runaround. I've invested a lot of time and energy in an attempt to be paid the money owed to me and they are now either unwilling or unable to provide that service of locating and returning that money to me and keep referring me to the state. The state again has confirmed that the legal process would be for the company to hold the property for 3 years in an attempt to contact me for delivery before sending it to the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: GA

Complaint narrative:
Experian has decreased my credit score 52 points in 2 months. The XXXX score update was decreased 26 points after simply settling an old charge-off account. The score update on XX/XX/2021 has also decreased 26 points after Experian recently completed a dispute investigation I filed a months ago. The account in question is XXXX XXXX for an auto loan. Experian credit report states that the reason for the decrease was a RECENT late payment. I have not had a late payment reported in nearly 4/5 years. It is very concerning that Experian can continue to post inaccurate information on my credit report, and nothing is done to make them stop, or at least correct the issue. There is no justifiable reason that Paying and settling an account should result in the 52 point decrease in my credit score. Consequently, I am more concerned with the inaccurate information they are reporting. I simply do not have any recent late or derogatory accounts. 

Experian will not let me dispute this error because they just updated the information incorrectly.

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 2021-07-01 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:
Equifax has me locked out their credit reporting site because a XXXX didn't like my XXXX and was just the rudest ca person I ever met. 

05 hard inquiries are put in as fraud or the customer service person did it on purpose. I wish I was lying but these XXXX  are just rude and taught XXXX law not American law. 

They are taught to hang up on you and to say no matter what the FTC American laws. 

5 inquireys ruined my report. They are all fraud and had credit freeze on them. 

XXXX CREDIT CARD FROM 08 YEARS ago want come off credit report. I think the Indians from XXXX hate Americans and did this to XXXX me. Nothing I can do but sue, take to small claims court, or call Pattorney general of my state. 

Use a credit card should have been off my report a year ago. They are doing this to help businesses and not consumers. 
It was XXXX dollars and it was never showed by the end FTC laws that this was legal. Fcra laws tells exactly how the investigation section XXXX, XXXX, XXXX and XXXX. These federal and state laws were not given the right investigation that people could go to jail. 


XXXX also says I was late 4 years ago and they have lied to the FTC and FAIR CREDIT REPORTING ACT. THEY NEED TO BE SUED AND GO TO JAIL. 



XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation