vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar/Mr. Cooper transferred the loan to XXXX when I paid XXXX off in 2017. Nationstar is reporting the loan on XXXX  as an unpaid chargeoff with a balance of {$19000.00} which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I regularly send direct principal payments to my mortgage servicing company, Caliber Home Loans. I have been making additional payments for greater then 20 months. For 17 of 20 months the additional payment has been applied the day of or 1 day after to my account. In both XXXX and XX/XX/XXXX ( and another month in XXXX XXXX the mortgage servicing company has directed the funds to " unapplied funds '' line item ; in practice holding my money and not applying it as directed to the principal of my mortgage in a timely manner ; costing interest. 

I have contacted them on each occasions with different answers from agents on each successive time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: DE

Complaint narrative:
Inaccurate information on credit report.

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 2020-03-03 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an alert that I was reported " deceased '' by American Express on 2 accounts. I had 3 accounts with American Express. One of the 3 accounts is paid in full. 2 of the accounts, I was working towards a " settlement '' and then all of a sudden.. Poof.. you are deceased. I don't know if it was " retaliatory '' but it sure feels it. I reported that I was alive via a notarized letter. Yet, the investigation of XXXX  to American Express shows I am still deceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: AR

Complaint narrative:
The company is ARS Solutions for some reason they are trying to collect a medical debt from some place called XXXX XXXX XXXX which is apparently located in Tennessee for the XXXX but I've never been to any of those places so can somebody tell me how I have a past due balance and why it's on my collections under my credit report and I've tried to speeding it in contacting them and it's getting me nowhere

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 2020-03-03 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: PA

Complaint narrative:
inaccurate information on credit report.

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 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY

Complaint narrative:
I was sent an email by Bank of America on XX/XX/2019 that my card number had changed, and that I would need to update any vendors who charge recurring payments to my card. The email included the name of a specific vendor with whom I would need to update my payment information. 

I was not using my Bank of America credit card, and I had no wish to receive services from the vendor mentioned, so I did not inform the vendor of a card number change. 

Sometime, unawares to me, in XXXX or XXXX of 2019 the vendor mentioned in the email by Bank of America successfully charged my new credit card, even though I had not given them the new credit card number. 

I had not used my Bank of America credit card for any purchases in months, and did not notice the charge until months later. When I called Bank of America on XX/XX/2019, I offered to pay the amount that was charged anyway, but asked that they waive any late fees or interest. The representative I spoke with told me that he couldn't offer to waive any fees on that call, but that I should call back. 

When I called back on XX/XX/2019, the representative I spoke with told me all of the fees and interest had been waived. 

I thought the matter had been resolved, but then received another bill from Bank of America for a bunch of late fees. 

I've had multiple conversations with Bank of America representatives since then. Every call begins with a message, " Your call is being recorded. '' One of the reps promised to listen to the recording of the call that I was told the fees and interest had been waived, and that if I was told the fees were waived, that she would take care of it. She called me after listening to the call, admitted to me that I was told the fees and interest charges were waived, but that Bank of America still refused to honor what I was promised. 

Giving up on the Bank of America call center, as they appeared to have either no interest or authority to fix the Company 's error, I sent a letter registered mail to their offices in Texas and Delaware. I've yet to hear back from anyone at Bank of America, but continue to receive new bills with new late fees. 

I have called Bank of America to inquire if they've fixed their error, but the people I've talked to admit that they are powerless to fix anything. They acknowledge their error, but have no ability to fix it. 

It's silly that my only recourse require litigation. The amounts aren't large, and it's cost prohibitive to seek such remedies. Giant banks shouldn't be able to push people around this way.

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 2020-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX. I was shopping on the XXXX XXXX   and ran into a couple pair of shoes. I was interested in them so I contacted the seller. He requested me to send him the payment of XXXX through XXXX. So I did. After I paid him. Hours later he sent me a receipt showing proof that he shipped the pair of shoes out to me. I thought it was pretty legit so I purchased more shoes and sent him 2 more transactions for 2 pairs of shoes. One of XXXX from my savings account. And another of XXXX on XX/XX/XXXX. The first pair of shoes were expected to arrive Friday, XX/XX/XXXX. And the other two were expected to arrive on Saturday, XX/XX/XXXX. It is now XX/XX/XXXX and I have not received anything. I tried and tried contacting him but no response from him at all. I contacted my bank. Bank of America and they told me that since I sent the seller or should I scammer money through XXXX. And that it is a third party, BofA can not and will not be able to dispute the multiple transactions. Which I think and believe is very unfair. I just lost 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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: MO

Complaint narrative:
In XX/XX/2020, I was a victim of scam/fraud. I immediately reached out to Discovers CEO, spoke with XXXX XXXX asking for any sympathy as a 3 year customer who never paid late. I sent all supporting documents to prove my claim. The request to reopen my account was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Machol & Johannes, LLC
State: WA

Complaint narrative:
I received a summons from Machols & Johannsen  collection agency, Plaintiffs : XXXX XXXX XXXX, which I never contacted by the bank nor the Machols & Johannsen, I read FDCPA 8:09 Validation of Debt.. that was never followed by the collection agency, the only time I heard from Machols & Johannsen is when I received the summon, ( which I still have to verify with county Clerk, the Summon / complain does not have Court Stamp nor Clerk Signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DRS Financial LLC
State: NJ

Complaint narrative:
Im requesting information on the ORIGINAL COMPANY or whoever the debt collection company is working on behalf of so I can get more information about this debt. After calling they would only tell me the name alternative rental car which Ive never used. CFPB can not find them in their database either and has forwarded my complaint to them to the FTC. I tried to settle a debt that I do not know about because its hurting me credit wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: ID Analytics, Inc.
State: FL

Complaint narrative:
Ive tried to contact Sagestream about my disputes to no avail. They never pick up the phone and I call at different times and leave messages over and over. They say will call within 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXXXXXX XXXX NJ XXXX entered into a loan modification with Rushmore Loan services.Loan Number XXXX We were never discussed terms and were given a packet to sign and have notarized. We did, We were told that everything would start over in the new loan. 
We made a payment in XXXX of 2020, over what the modification stated. Thru out the trial period we also made extra monthly payments to them. It was not a lot but it added up thru last year. We also had an extra amount left over last year, ( they can not seem to find ). It shows on the statement for the end of the year as well.. 

We now are getting phone calls saying we are two months behind. We also payed in XXXX of 2020 a payment of {$740.00} to cover the escrow shortage, and our payment would be even less an amount of XXXX. 

They took this money and applied it to the loan Can you please help straighten this matter out. 

..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: VT

Complaint narrative:
I asked for more Credit to buy a new washer and dryer as dryer is dead. XXXX sent me a statement and the order was cancelled by me on XX/XX/2020. TransUnion is great at putting anything negative on your credit report, but three months behind everyone else in putting anything to increase your score. After this I will probably close my XXXX XXXX account. I filed a dispute thru TransUnion and they NEVER investigated it. They are the worse CRA out there. My Credit looks ruined ... .they dinged me great.

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 2020-03-03 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: FL

Complaint narrative:
On XX/XX/2020 I paid a collection account to XXXX XXXX XXXX. This payment was to satisfy the balance in full. XXXX XXXX XXXX agreed to delete this collection from all three credit bureaus. As of XX/XX/2020 XXXX  and XXXX XXXX have both removed the account from my credit report. However, Equifax has not removed it nor have they updated the balance to {$0.00}. This account is reporting incorrectly and needs to be updated immediately for mortgage purposes. It should be deleted just like the other two credit bureaus. XXXX XXXX XXXXXXXX informed me all three credit bureaus were given the correct information. They stated they requested to remove the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: KS

Complaint narrative:
I have had the loan for over 2 years now. I borrowed {$400.00} and have been making monthly payments of $ XXXX {$110.00} each month. I have paid this loan 4 times over and my balance will not decrease. I have made several calls and sent several emails to them about making a settlement to just get rid of the loan, and they never respond. I just want this to be considered paid in full. Since they choose not to get back in contact with me. 

Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Date : XX/XX/2020 Amounts : The Balance on my account for the Each transaction I checked my balance of my account of PayPal and those the balance including many transaction, I checked the balance for the each transaction. However, the balance of the each transaction was not calculated correctly. 
I contacted the CS of PayPal and she checked my account but the amount she told and what I'm watching under my account was totally different. I took the some screen shot how the calculate was wrong and I explained to the CS what I see here right now is totally wrong. 
Unfortunately, she told she is watching different balance amount for the each transaction. 
I asked I'd like to see the record what she is watching and asked to send it via e-mail but she told she can't do that but I can see the same record if I download the all transaction. So, I dowloaded but it did notshow any balance for the each transaction, just show PAYMENT only. So, I don't know what she was watching and what she was hiding. 
Anyway, I believe that when I accessed to my account, I should be able to see the correct record ( Not the sloppy wrong calculated record ) under my account page. I know PayPal is neither bank nor Credit card company but they handle people 's money, so should be able to explain why the calcurate is wrong in my account without any hiding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I went to XXXX XXXX looking for a car loan. On XX/XX/2018 I gave XXXX XXXX permission to run my credit report. Upon this agreement, I was informed that XXXX XXXX would be reaching out to several banks to try to get me approved but I was also told that these numerous inquiries would be bundled into one, claiming that the credit bureau would recognize it as me shopping for a car. The extra inquires include GM   Financial on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX   on XX/XX/XXXX. When I contacted the gentleman at XXXX XXXX he assured me they would fall off of my report. It's been over a year and these inquiries are damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America credit card which I was making automatic payments on. One day, I got a letter in the mail detailing that my credit limit was being decreased. I was puzzled as to why so I called Bank of America. I was then told that I had a past due balance. Up until this point I hadn't received any phone calls or other messages ( via email and/or notifications from their app ) that I had a past due balance on my account. The rep that I spoke with was not very helpful. He said that he was able to eliminate the late fee I had been charged, but I have not seen that removal on my pending account activity. I asked to have my credit limit increased to its previous level of {$11000.00} because of this lack of communication ; but he was not able to do so and told me I would had to submit a request for increase. This request was subsequently denied. He was also not able to advise me if my credit report would or would not be fixed to not reflect the delinquency. Again, this is because Bank of America did not contact me to alert me about this situation, a customer who had a spotless payment record with them on this product, and I should not be penalized because of this.

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 2020-03-03 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: CITIBANK, N.A.
State: PA

Complaint narrative:
The company close the account without any letter. The account was in good standing and paid on time.

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