vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: FL

Complaint narrative:
My name is XXXX XXXX and I have a credit card with Discover. I was late multiple times in the past for about 5 months and would call Discover to notify them. Discover has promised to waive my late fees of {$39.00} and to my surprise my account has accrued multiple late fees ( seems like 5-6 ), there isn't even record that I or my fiancee XXXX XXXX XXXX called them regarding my fees. I called Discover today when I discovered the fees on my account and they only removed one fee ( most recent ). In the past, their collections department would call me from an XXXX area code and the terms were If I had made a significant payment or a payment to get the account to good standing, they would waive my late fees. Clearly, for the past 6 months I have been lied to and fees were not waived. Discover claims that no one spoke with me. Yet just today, their associate promised to waive a fee and a manager took the call by the name of XXXX and he said that he couldn't waive it. I told him the previous associate said she would and he said that he had no record of that. Then he said that yes, he did see it on notes. I feel I have been lied to by Discovwer just to collect money from me. I want my late fees returned as they agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I recently called my bank in order to see if I qualified for a title loan. The reason for my request is that I have recently fallen behind on my child support payments and my license, as a result, had been suspended. The customer service agent conveyed to me that TD Bank doesn't offer this type of loan, however, see did inform me that I might be interested in TD Rewards card. The card would allow me to retire some credit card debt via balance transfer which in turn would free up credit for a cash advance. She told me that the application could be completed over the phone and the entire process would take ten minutes. However, the process would require a hard inquiry on my credit report. This concerned me because I was aware of the adverse consequences such actions have on ones credit score. I specifically remember the sales agent saying that a " decision '', approved or not approved, would be rendered immediately. As much as I didn't want the hard inquiry, I accepted the offer to apply for the card. Indeed the response was immediate, but it did not indicate approval or non approval. The response from the computer was that I would hear from TD Bank via mail within 7-10 business days as to whether I meet the criteria for the card. At no point during the call did the sales agent warn me that there was a remote chance that I would have to wait 7-10 days for a response. Indeed, the immediacy of the decision played a major factor into me agreeing to apply for the card. I asked top speak to a supervisor to voice my displeasure with the process. I told a woman named XXXX that I was told a binary outcome ( yes or no ) would be rendered in 10 minuets ( not 7-10 days ) if I agreed to the application process. I told her that I would like to have the hard inquiry removed from my report or to resubmit the application with an eye towards approval given the circumstances. She told me that the hard inquiry could not be removed but she could resubmit the application. This didn't inspire much confidence in me given that no additional financial underwriting had been offered or performed than that which had already produced and undesired result. So now I'm left with no TD Bank rewards card and a hard inquiry on my credit report. In retrospect, I feel that I would have been better off if the original sales agent had simply said that TD Bank does not offer title loans in New York and if that was the end of the conversation then no harm no foul. However, obviously this was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I am a new customer of this loan with Specialized Loan Servicing. 
Soon after in XXXX. I received the attached letter stating they had transferred the loan to XXXX XXXX XXXX. I accidentally sent TWO payments : ONE to Specialized Loan Servicing for the correct amount of {$1300.00} and a payment of {$2200.00} to XXXX XXXX XXXX thinking it was my PRIMARY home mortgage company. I immediately called to request a refund on XX/XX/XXXX ... 
The said it would take approx 5-days to receive the refund. 
Called XX/XX/XXXX ... they said 'they were under a deadline to send it between XXXX XXXX Called XX/XX/XXXX, they said 'they were under a deadline, that it had to be sent out by the XXXX. 
Called XXXX XXXX, they said it was 'under review ' should be sent soon Called XXXX XXXX, they said it 'should have been mailed ' ... .not sure if it had Called XXXX XXXX. they said it was sent on the XXXX Called XX/XX/XXXX. finally got a SUPERVISOR named XXXX ( not you ) at : XXXX, said he would give it 'personal attention ' and call me back the next day ... .he never did Called XXXX XXXX, they said I needed to 'sign some release form ... .it was emailed to me, but nothing to sign Called XXXX XXXX, 'told it was under review ' ... .not sure if it had EVER been sent Called today, XX/XX/XXXX ... .a guy named XXXX at extension XXXX, said he would give it 'personal attention and 'expedite it to financial dept manager ' that someone FOR SURE would be contacting me within 3-days Called XXXX XXXXTold I needed to issue a request to stop first check and submit another check Called XX/XX/XXXX-Told check was in 'process ' of being sent again ... couldnt tell me exactly when They refuse to let me talk to a supervisor ... .NO ONE has yet to return my calls ... the ONE supervisor I did talk to in XXXX is no longer with the company. They could not give me ANYONE else. 
I'm concerned that this XXXX XXXX XXXX is possibly a fraudulent company and that I might have been scammed. 

Its been a nightmare ....

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 2019-11-05 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AL

Complaint narrative:
I received a new inquiry about a possible loan I was planning on getting and talking with them over the phone but I NEVER gave them information and never gave them the possible go to through with my application and they just processed it. They said they it was pre-approved but overall, I never gave them the intention to process it and never signed any paper work to apply the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: CO

Complaint narrative:
The credit Bureau is not correcting my payment history on my old XXXX XXXX account. This car loan has been paid off in full and is closed. That part is correct, the loan has been paid off and is correct. The incorrect information is the fact that it states i was late 3 times on XXXX, XXXX and XX/XX/2014. That is incorrect. I was never late these dates. I contacted XXXX XXXX and they agreed, but said I wuld need to contact the Credit reporting agencies. I've tried that several times and each time they immediately turn around and say the information is verified, but they have not verified the information, because those lates would come off. 

XXXX XXXX account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
There is an unlawful judgment XXXX XXXX. XXXX, that was entered in against me which I had know knowledge of until now. I have tried to get an explanation but recently XXXX XXXX XXXX sent me papers vis the CFPB and I and my ex husband have reviewed the documents. This credit card and transactions is an result of identity theft and fraud. There was a police report filed in XXXX Police department ( XXXX ) XXXX back in the year of XXXX to XXXX as repeated attempts of our identity was used by several individuals to obtain and used credit cards without our knowledge and permission. This is debt has to be vacated to the courts. Otherwise I will request a vacate of judgment myself with my ex husband as there was much that happened with our information and the police have documented information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
This complaint is against US Bank and their loan modification process. Attached is the complaint I filed with US Bank regarding my experience with their loan modification process. I started this process back in XXXX and have made the three required trial payments. I continually asked, when making these payments, if there was anything else I needed to do or any other documents I needed to submit. They always responded that I did everything they asked and submitted all documents. While I was in the hospital ( admitted XX/XX/19 ) waiting for XXXX XXXX XXXX US Bank called me and informed me that they stopped the loan modification process because I did not submit a required form. US Bank claimed that they sent me a letter by mail requesting this form. I never received this letter. It took me several attempts to find out what form they were talking about since they had previously stated that they had received all of the forms they needed from 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 non-monetary relief
Consumer complaint received 2019-11-05 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: TX

Complaint narrative:
XXXX XXXX TX XXXX is showing up on all 3 of my credit bureau reports and I have not recollection of this account. I have disputed this with the creditor and the credit bureau 's and nothing has been done on the accounts. XXXX, XXXX, or Transunion has furnished the information that I requested to proved and validate that this debt belongs to be. All the furnished was a statement stating that the verified it was my account and when i asked for the documents showing that this is my account the have not yet provided this information to me. The are reporting two accounts one as paid and closed and one as charged off. This information is incorrect and not true.

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 2019-11-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX TX XXXX is showing up on all 3 of my credit bureau reports and I have not recollection of this account. I have disputed this with the creditor and the credit bureau 's and nothing has been done on the accounts. Experian, XXXX, or XXXX has furnished the information that I requested to proved and validate that this debt belongs to be. All the furnished was a statement stating that the verified it was my account and when i asked for the documents showing that this is my account the have not yet provided this information to me. The are reporting two accounts one as paid and closed and one as charged off. This information is incorrect and not true.

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 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC
State: FL

Complaint narrative:
I was contacted today by the law offices of Maury Cobb and they stated I had a debt with XXXX. I have never been notified of the debt nor had a ever received a final bill with XXXX. I asked them what address I had on file and it was an old address. 
I asked if they could update my address and mail me a final bill so I could review it. I also asked them to remove this from my credit report until I can find out if the charges are correct. 

The rep, XXXX XXXX, said it was too late for that. I asked if they had to follow the law, and she said it was too late. I asked to speak to her supervisor and she stated he would call me back. Her supervisor, XXXX XXXX, never called me back I called the original collection agency and spoke with a rep named XXXX who hung up on me twice. I called a third time and spoke to a supervisor named XXXX XXXX who advised me to call the law offices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 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: TX

Complaint narrative:
XXXX XXXX XXXX Texas is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
My previous complaint number was XXXX ( with current servicer XXXX XXXX ). however I was advised that I need to go back to Bank of America since my loan was transferred from them. I did receive the pay history and it does not match up and they still can not provide my payments from XX/XX/XXXX, to XX/XX/XXXX. I do not know what else to do to get this resolved. Please see the attached documents Loan Number : XXXX Original Lender : XXXX XXXX XXXX : Bank of America Home Loans This complaint is against Bank of America Home Loans a subsidiary of Bank of America Corporation for deceptive practices on my loan modification and mortgage payments. I was told by XXXX XXXX XXXX and The Consumer Protection Bureau to file a complaint against Bank of America. The series of events are as follows : 1 ) XXXX XXXX XXXX boarded my loan from Bank of America Homes and can not account for payments from XXXX to XXXX. I am disputing an increased loan balance of over {$96000.00} and all the balloon payments. 





The loan modification I signed was out of desperation. This complaint falls under the same scrupulous investigation and determination by the US Department of Justice against Bank of America Corporation involving minorities and Latinos. XX/XX/XXXX, Bank of America settled the complaint by the US Department of Justice for {$16.00} billion dollars. I am requesting an investigation into my loan balance. I do not owe the balance reflected by XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 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: TX

Complaint narrative:
XXXX XXXX XXXX Texas is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong 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 2019-11-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX  Texas is being reported on my Experian, XXXX, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong 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 non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card failed to properly credit a payment. On XX/XX/XXXX, I made a payment for {$9000.00}. 

Discover applied that {$9000.00} payment to a lower rate balance transfer balance ( a {$15000.00} balance transfer was applied to the account on XX/XX/XXXX ) and failed to apply any of that {$9000.00} payment to the higher rate purchase balance. As a result, I incurred significant interest charges, which were not warranted. 

In XX/XX/XXXX, Discover acknowledged the error promised to rectify it by transferring the payment and applying it correctly. The bank failed to do this. 

Subsequently, another bank representative stated that the bank was unable to move the balances. Instead, the representative promised to waive the higher interest charges through the end of the balance transfer promotion. The bank did so for 4 months, and, afterwards, in XX/XX/XXXX, stopped doing so. 

Now, bank representatives wrongly claim that there was no error in applying the payment. Furthermore, the bank claims that it only promised to waive the additional interest for a period of four months, which is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
spoke with my mortgage lender and I was informed I was approved for a mortgage modification. I was also told I had been approved for a mortgage modification and my 1st payment was due XX/XX/2019. I have not received a letter saying I was approved for the modification or when the first trial payment is due. 
The mortgage company has my home in foreclosure and I have not received any mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

Company response to consumer: Closed with explanation