vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK
State: AL

Complaint narrative:
Attempting to pay the mortgage in full and servicer is charging a penalty. 

Closing disclosure ( attached ) says there is no pre-payment penalty. 

Servicer is now telling me that the fee is a 'cost reimbursement fee ' if I pay the loan off before a certain date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: FL

Complaint narrative:
XXXX First dispute was sent to Equifax about inaccurate information being reported on my account. They responded but with just an automated response and still the information is inaccurately being reported on my account even after my follow up on XX/XX/XXXX and again XX/XX/XXXX XXXX XXXX XXXX Account Number : Date of first delinquency was updated to XX/XX/XXXX but your verification does not show account history with XX/XX/XXXX in fact your report says it has 6 month received but only showing 4 months with XX/XX/XXXX showing 30 days. This account needs to be removed for incomplete and inaccurate reporting. 

XXXX High balance amount was changed from {$420.00} to {$460.00} and not reporting a Charge off amount. How would the High balance now be {$460.00} and not even reporting a charge off amount. Also you have the date of 1st delinquency as XX/XX/XXXX but your payment history only shows XX/XX/XXXX 30 - XX/XX/XXXX 60 - XX/XX/XXXX 90 - XX/XX/XXXX and XX/XX/XXXX 120 days XX/XX/XXXX XXXX and XX/XX/XXXX 150 days. So how do you even get a date of 1st delinquency of XX/XX/XXXX. This account is obviously inaccurate even after your verification and I ask you to please remove the inaccurate account immediately. 

XXXX This account is showing a charge of {$11000.00} with a balance owed of {$11000.00}. How can these amounts be different and in your verification you sent the date of last payment of XX/XX/XXXX shows actual payment of {$0.00} which is also incorrect. This account is incomplete and inaccurate and needs to be removed immediately XXXX This account shows a date of first delinquency of XX/XX/XXXX but also reporting charged off on XX/XX/XXXX and the account history you sent shows it being charged off on XX/XX/XXXX which does not make any sense. This account is clearly inaccurate and needs to be removed immediately. 

XXXX XXXX high balance XXXX This account is unverifiable, you sent a response with account history showing month received 59 and I only see 24 and it starts on XX/XX/XXXX as a charge off. How can I verify this account without seeing the complete history. You show a last payment of XX/XX/XXXX with an actual payment of {$0.00}. Please delete this account and it is incomplete and unverifiable. 

XXXX XXXX High balance XXXX This account is unverifiable, you sent a response with account history showing month received 73 and I only see 24 and it starts on XX/XX/XXXX as a charge off. How can I verify this account without seeing the complete history. You show a last payment of XX/XX/XXXX with an actual payment of {$0.00}. Please delete this account and it is incomplete and unverifiable. 

The automated responses are obviously not correcting the account and have not been properly reviewed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
my complaint is against Capital one, in XXXX  I had a small cell phone business and an account to manage it with capital one several years earlier, but there was a time when the business income dropped drastically, and there were some payments that I could not complete, but Capital one instead of rejecting a single transaction which had no fund, left all the transactions that I was doing in process and then charged overdrafts for each of the transactions and that is how they came to charge me 5 or 7 overdrafts per day and In the course of less than a year they charged me {$7500.00} in overdraft, that contributed greatly to ending my small business and my health, my complaint is because I think that something like this must have a limit so as not to suffocate people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-22 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: CA

Complaint narrative:
I closed my XXXX XXXX account a while back over the phone. They didn't close my credit card account, even though I told them to and I had a reoccurring payment from my XXXX XXXX XXXX that I " missed '' the payment for, even though my account was closed. I disputed this with XXXX XXXX, and they agreed that it was not my fault. XXXX XXXX is paying me back the " missed payment '' of $ XXXX XXXX finally closed my whole account on XX/XX/2020. They have handled this very well. Below is the email I received. 

" I received your email about balance on your account. Your concern is most certainly understandable. 

The $ XXXX is a credit balance. A credit balance is an amount that is owed to you. 

The following credit balance refund options are available : * Transfer We can transfer the funds to your XXXX XXXX checking or savings account. You'll need to provide us with the account number in your request. 

* Check We can mail a paper check to the address on file. Please verify that your address is correct before submitting your request. You should receive the refund check within 14 business days. 

To submit your request, please reply to this email or call us at the number on the back of your card or on your statement. You can also select the " Contact Us '' link above. 

Thank you for your business. We're happy to have you as our customer. '' I disputed this with Experian and my credit has not changed. I have never missed a payment in my life, so my credit should not be poor because of this. I would love help on this. Thank you so much!

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 2021-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Gm Financial illegally took my car while I was in it. Gm Financial also charged me usury interest rates on my loan. During a look into their financial records I found that they sell their debt to pass through companies that run it around the country into various state before being sold to major banks and the sold as cdos to private investors. When the debt is in the hands of a private citizen is it not subject to usury?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My unemployment bank of america pre paid card has been frozen for " suspected fraud '' since XX/XX/20 and I currently have a frozen balance of almost {$800.00} i can't access. After contacting XXXX and their fraud department numerous times since it's been frozen, I was notified that there was no form of fraud on my account that was detected and also sent XXXX my identification ( ID, passport ) along with SS card. Bank of America has been absolutely no help either. it's been nothing but a blaming game between both parties and I can't get any strait answers from them. Bank of america has all of my information verified from XXXX but STILL will not release my account. I have a total of {$1500.00} in weekly benefits from XXXX that bank of america kicked back because of this mistake and I don't know what else to do. I am in dryer need of my benefits. Can you please help?

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 2021-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc.
State: AZ

Complaint narrative:
I was contacted by the company in question, repeatedly, on XX/XX/21 and XX/XX/21. They claim to be a legal process service company and urged me to make a payment for a debt that I do not owe. When I refused, they threatened to call my employer and family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: NY

Complaint narrative:
In 2018 I was violently ill, I went to the doctor and they thought something was wrong with me. They sent me to get some test one was a XXXX  test at XXXX XXXX XXXX XXXX, They asked for my insurance to get pre approved. I was told I had nothing to pay, They scheduled my two appointments. They said they would collect the money from the insurance company. At no time did they inform me that I had a deductible or anything to pay. I left there office without paying anything after the tests. 

While checking on a claim from another medical provider with my insurance company I was told that the XXXX XXXX XXXX was paid the following by my insurance company {$1200.00} {$1200.00} {$20.00} I started to receive phone calls from National Recovery Agen regarding more payments on the bill, I was told that they are the collection agency for the balance of the bill and I could not call XXXX XXXX XXXX XXXX. I told them I want to get the debt validated and I want the original company contact me. They said I could only speak to them. 

I called XXXX XXXX XXXX to get the debt validated and they told me they don't have the bill anymore that National Recovery is now the party to speak to. They also confirmed they had the wrong address for me. 

At no time was the debt validated, At no time I was told I could dispute the bill, my rights under fair credit reporting was violated. Under the Fair Debt Collection Practises Act, XXXX XXXX XXXX was suppose to inform me of the bill, let me know they got paid before reporting to the debt collector. This was not done. I was never told by the company that my insurance company paid them three big checks. If I had know that I had a portion to pay I would have paid it at that time. I thought everything was taken care of by the money they recived from my insurance carrier. 

I ran my credit report this morning only to find these debts on my credit report. I contacted the original creditor who told me that they indeed got paid, that they had my wrong address, and the debt collecting agency is indeed handling the bill for the balance. I asked how can I have a bill, when you told me that my insurance will pay the bill and you got a preapproval. They said I have to contact the collection agency. 

The debt was never validated, the collection agency contiune to report it every month, I was never given the opportunity to dispute the bills. At no time did the collection agency told me the bill can be disputed. 

I asked the medial company to sent me the bill, they finally emailed it to me after two years today when I told them I'm going to write to the CFPB. see attached I would also like this be sent to each of the credit bureau

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 2021-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I asked the creditor to remove the late payments on my account due to the fact I have been an exceptional customer since then and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2020, PORTFOLIO RECOVERY XXXX XXXX XXXX, 2020 add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I applied for forbearance on this loan back in XX/XX/XXXX for net 6-7 months. After this period ended i contacted customer service to do repayment plan so that this amount be rollover at the end of my loan period! everything got set up and i was good to go and continue making my payments once again. 
Next due date came in i was not able to do a payment so after multiple phone calls i still wasn't to make a payment due some loan issues. 
Next month due date came and same thing happened after hours on the phone with customer representatives. 
all this time i did 2 payments with the voice machine operator ( only way i could have submit a payment because i didn't wanted the amount i owe to be increasing which somehow it did because the forbearance never ended apparently. 
No one from their team figure out that i was still on forbearance all this time and never fixed my account after numerous phone calls by me for them to fix my account and receive an official letter where it states everything that happened with my loan during Covid 19 times. 
After 9 months of thee problems now there is home insurance policy issue where my amount is not to the correct amount that should be and i needed to bump that up and plus a detached structure came out on their radar after 2 years of the closing of this property! this is ridiculous! 
i now need to take a survey and elevation certificate so that insurance company can cover the SHED for XXXX $ where after i asked them where did they get with this amount the poor lady said i really don't know what the structure is but this is the amount!! how someone can value something if they don't know what is it?! i cant deal with this bank anymore and i already lost hours and hours calling their not proper educated personal which they do inadequate job. Last phone call made on XX/XX/XXXX was to inform them that i have their policy amount to the level that they want but poor customer service agent didn't know where to direct my call and transferred my call 4 times to 4 different departments and no one knew how can i send them the new policy where it states that now my home is covered with the amount they want! 20 minutes lost and i had to hang up because my nerves are quitting after 9 months of horrible bank experience from the moment my loan was sold from federal bank to US bank. 
Short story long my loan is still under forbearance with money that i owe still pilling up and none from their department even cares about this or try to contact me and reach out for the documents THEY need and not me. Saddened that these financial institutions are given a chance to lead the American people.

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 2021-01-22 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: PA

Complaint narrative:
Beginning in XX/XX/2020, I received copies of my credit reports with XXXX, XXXX, and TransUnion. I sent letters to all 3 bureaus asking them to look into an account listed on my credit report for XXXX. I have asked them to verify the information being reported, as it was inaccurate, and I have asked for validation of the debt from both the bureaus and XXXX. Due to the reporting issue, XXXX  has removed this account from my credit report. After five letters to TransUnion and XXXX with no response, this past month they finally listed the account in dispute, but, as noted in the attachment, it states that the dispute is closed and the account meets FCRA requirements however, the account is a charge-off account and they are still reporting a balance as if this is an open account. This clearly does not meet FCRA requirements. After countless attempts to have this corrected, TransUnion and XXXX refuse to look into my request.

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 2021-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Shellpoint is refusing to review and grant me a loan modification. I have no active sale date. I was in a prior bankrucpy but the payments are not affordable. I personally believe Shellpoint is doing this because they know I have equity in my home. I owed about {$140000.00} on my mortgage and my home is worth about {$270000.00}. On XX/XX/2020 Shellpoint stated that I was not eligible because I already applied too many times for a loan modification, although none were ever approved. They also stated they dont have details of each application. 

There is no federal law or guideline that limits the amount of applications I am allowed to submit. My income is more than enough to qualify for a loan modification and what is being done to me in the time of this pandemic is extremely unfair and prejudicial and is only being done because Shellpoint knows there is equity in my home and they can get the entire loan balance at a foreclosure sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
Americollect Inc has reported an alleged debt in the amount of {$460.00} total of four accounts to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Americollect Inc obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Americollct Inc on XX/XX/2021 and I await a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I sent dispute to credit bureaus about this account is not mine, please remove this account from my credit.

Company response to consumer: Closed with explanation