vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-16 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I had several accounts with XXXX XXXX when I filed for bankruptcy. Instead of XXXX reporting the accounts as included in the bankruptcy, they are reporting them as sent to collections. These accounts had never even been listed as 30 days late prior to my bankruptcy because they were current. They are not only reporting the accounts that were open at the time of the bankruptcy as sent to collections, but they have also taken accounts that had been paid and closed long before the bankruptcy was filed and are claiming the same with them as well instead of reporting them as closed at the consumer 's request and paid, never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery responded to my last cfpb complaint that they were closing 3 accounts..they only had three accounts in my name, two with XXXX and one with XXXX XXXX. Apparently portfolio figured they could pull a fast one on me and provide cfpb with false information about the last 4 of the account numbers. To this day they still have the account with XXXX XXXX opened and stil reporting although they said they would close and request deletion. They have yet to respond to my last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: MO

Complaint narrative:
I had several accounts with XXXX XXXX when I filed for bankruptcy. Instead of XXXX reporting the accounts as included in the bankruptcy, they are reporting them as sent to collections. These accounts had never even been listed as 30 days late prior to my bankruptcy because they were current. They are not only reporting the accounts that were open at the time of the bankruptcy as sent to collections, but they have also taken accounts that had been paid and closed long before the bankruptcy was filed and are claiming the same with them as well instead of reporting them as closed at the consumer 's request and paid, never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16 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: IL

Complaint narrative:
I 've been a victim of identity theft. XXXX XXXX XXXX i checked my XXXX XXXX  account and noticed there were hard inquiries that i did not authorize on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I 've contacted XXXX and Transunion as well as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX in regards to these ( 6 ) inquiries being disputed for removal multiple times. I also filed a police report and placed a fraud alert on my accounts. I was advised these inquiries would be removed after contacting the aforementioned companies. It has been 30 days since the date of the inital dispute and neither credit reporting agency has resolved this matter and are in fact now stating that these inquiries will not be removed in order to maintain records. In addition to this negatively impacting my credit score it has caused closure of 3 of my existing credit cards at which i was a loyal and responsible customer which were otherwise in good standing because of the issue being unresolved ( multiple inquires that were fraudulent are ruining my credibility. ) They have had many security breeches and the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed as soon as possible.

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 2017-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Offices of Frank J. Maier & Associates
State: MA

Complaint narrative:
XXXX XXXX XXXX amount of {$14000.00}. I have sent XXXX XXXX XXXX a debt validation on XX/XX/2017 and XXXX XXXX XXXX has not responded. XXXX XXXX XXXX then took me to court on XX/XX/2017. I have no knowledge of this debt.

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 2017-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: KY

Complaint narrative:
Offending institution : US Bank There are two separate instances where I was charged a monthly fee where I do not believe I was fairly charged. 

Incident 1 : On XXXX XXXX, XXXX, I was charged {$10.00} for my account. I had, for the four years prior, always met the requirements to have the monthly fee waived. Without notice or warning, the conditions to have the monthly fee waived were changed for the XXXX XXXX XXXX. I changed nothing in terms of amounts deposited or average activity from the months prior. I discussed at the branch nearest me, and they recommended I open a credit card to have the fee waived. I declined to do so and requested my account be downgraded to the XXXX XXXX XXXX. Per the bank 's website, monthly direct deposits of {$1000.00} or more will result in the fee being waived. 

I have XXXX monthly direct deposits in excess of {$1000.00} each month, so I assumed my change would make the problem go away. 

Incident 2 : On XXXX XXXX, XXXX, I was again charged for my account. This charge was the {$6.00} charge for the XXXX XXXX XXXX. I discussed the fee at the same branch where I made the account change today ( XXXX/XXXX/XXXX ). They do not know why I was charged the fee. When asked to refund the fee, they said that they could not.

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 2017-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My medical bills that went to collections with XXXX XXXX XXXX in XXXX/XXXX dropped off in XXXX and now TransUnion is reporting them again.

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 2017-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX repeatedly called my parents house in regards to a medical bill that was a few days late for my wife. My parents notified them all 3xs that this was not my wife 's house and please do not call the number again. XXXX XXXX even informed my parents that this was a XXXX bill debit collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was behind on my XXXX XXXX credit card in XXXX before my new due date i caught all my payments up and paid XXXX on my report it said ok for my XXXX payment until I made my XXXX payment now XXXX says 60 days late

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 2017-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened a new credit account with American Express about two months ago, responding to an offer for " Interest Free Use and Balance Transfer '' until XXXX ( 18 months ). I processed a balance transfer and made a couple of purchases. When the statement arrived, there was interest charged. I contacted American Express immediately in XXXX. On XXXX XXXX, they admitted via message in writing that they had " a technical issue occurred at our end due to which all impacted card members ' accounts were charged interest erroneously '' but " our dedicated team is working on this known issue and account will be remediated ''. On XXXX XXXX, they wrote " We have now started taking corrective actions. '' and " You will see a credit of the interest charges issued in XXXX automatically. ". THIS HAS NOT HAPPENED. Unacceptable delay for a company of this stature. I have contacted them several times, and each time they acknowledge the error and promise to fix it, with no result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: NY

Complaint narrative:
Sallie Mae is quick to charge me ridiculous rates for my student loans, putting me into massive debt, but they ca n't adhere to their own customer service policies. On their website, which is the only way to get information about them, it states the wrong phone numbers and wrong operation times. This makes it nearly impossible to pay my loans on time on a regular work day schedule. After an hour going through an automated phone message, which had no options for speaking to a representative, only by going through the " change address '' customer service number was I able to find out that they closed 8 hours prior to when the website says they 're open until.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
A FRIEND AND I RENTED AN APARTMENT AT XXXX XXXX UNTIL THE LEASE RAN OUT AROUND XXXX XXXX. WE NOTIFIED THE OFFICE THAT WE WERE NOT GOING TO RENEW THE LEASE AND WOULD BE LEAVING. WE THEN MOVED IN XXXX XXXX. MY FRIEND ( XXXX XXXX XXXX WHO WAS THE PRIMARY LEASE HOLDER DID NOT HEAR OR RECEIVE ANY NOTIFICATION FROM XXXX XXXX UNTILL A YEAR LATER. THEY SAID HE OWED $ $ $ $ FOR RENT. THERE WAS NOT LEASE SIGNED. HE REFUSED TOY HAD BROKE THE PREVIOUS LEASING PAY. NO FURTHER ACTION WAS TAKEN TOWARDS HIM. AFTER ALMOST 7 YEARS WITHOUT ANY NOTIFICATION I NOTICED MY CREDIT SCORE FELL SIGNIFICANTLY DUE TO XXXX SENDING THE ACCOUNT TO A COLLECTION AGENCY. THIS WAS NOT PLACED PRIOR TO XXXX BECAUSE I WOULD NOT HAVE BEEN ABLE TO APPLY AND RECEIVE A MORTGAGE TO BY MY HOUSE. I CONTACTED IDEAL COLLECTIONS FOR THEM TO SEND ME THE NECESSARY PAPERWORK TO SHOW THIS DEBT. I HAVE NOT HEARD FROM THEM. I DISPUTED THIS WITH THE CREDIT BUREAU ALSO. THIS IS AFFECTING ME SIGNIFICANTLY SINCE I AM TRYING TO EITHER REFINANCE MY MORTGAGE OR APPLY FOR A HELOC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optima Recovery Services LLC.
State: TN

Complaint narrative:
Paid the XXXX service long time ago by insurance company, but still showed up in collection on XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
There is a medical collection on both XXXX and XXXX reports in the amount of XXXX. This debt has been removed and re appeared on my credit reports with out me being notified. Its not on my XXXX report though. I tried to resolve this with the credit bureaus and got no where. It has been sold several times to multiple collections agencies and not once did I receive notice of this. This was added to those credit reports on XXXX. When I did the online disputes it was removed then added back under a different collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Grant & Weber
State: CA

Complaint narrative:
My medical bills that went to collections with XXXX XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX dropped off in XX/XX/XXXX and now XXXX is reporting them again.

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 2017-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
On XXXX XXXX XXXX, an outfit called Torres Credit Services sent a letter stating I owe {$14.00} from not paying a XXXX XXXX XXXX XXXX which is a complete lie. This company is running a scam operation trying to collect phony debts and sending intimidating collection letters. The address from them on the letter shows they are located in XXXX, PA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: IA

Complaint narrative:
Due to my recent divorce, I wanted to refinance the house in which I lived in my name only. The mortgage was originally taken out at XXXX XXXX XXXX, XXXX, Iowa and they sold the original mortgage to Loancare , LLC. It is against Loancare , LLC I am filing my complaint. 

I went to XXXX XXXX XXXX XXXX and applied for a new mortgage in my name only. The lending department at XXXX was instrumental in reworking a new mortgage and they proceeded to seek a payoff from Loancare , LLC starting on XXXX/XXXX/XXXX. A payoff due Loancare LLC of {$200000.00} was received by XXXX onXX/XX/XXXX. ( Reference the attached notes from XXXX, the loan officer, to see the efforts made to receive this initial payoff ). On XXXX/XXXX/XXXX a second, and new payoff in the amount of {$190000.00} was received by XXXX. This payoff used the wrong good through date of XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX as the payoff ; in addition, the total loan amount due was both printed wrong and added wrong! 

XXXX assumed, for reasons in XXXX notes, the second payoff was correct and they wire-transferred {$190000.00} to Loancare LLC on XXXX/XXXX/XXXX when it came out of rescission. A third payoff letter then arrived at XXXX on XXXX/XXXX/XXXX in the amount of {$200000.00} stating the payoff was made after XXXX XXXX, XXXX so another month of interest ( {$770.00} ) was added. 

At this point, I made four phone calls over several days including a conference call at and with XXXX loan officers. Typically, I was put on hold for long periods ; told there was no one in management available ; or the phone simply went unanswered during regular business hours. I then went to XXXX wondering what to do next. The loan department went to XXXX XXXX XXXX XXXX, Chief Operating Officer at XXXX for help. He made several attempts to reach Loancare LLC and on one attempt was on hold for fifty minutes. 

Now, as of XXXX Loancare LLC has issued a fourth payoff in the amount of {$200.00}, XXXX stating yet more charges were added to the loan. This is beyond reason! Through this entire process, XXXX made more than ten phone calls to Loancare LLC and I made at least four. All the attached evidence clearly shows Loancare LLC made the errors that created this mess. What is most frustrating is their admission they were in error but still unwilling to remove the extra month of interest and putting the amount owed back to {$200000.00} ; if not actually XXXX which they said was due and which XXXX wired to Loancare LLC as requested on the Loancare LLC wire.

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 2017-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
Contacted FAY SERVICING on XXXX XXXX regarding escrow analysis ' and two payment increases. 

Two escrow analysis were done in one year resulting in payment increases. Two Representatives including a supervisor could not tell me why. Supervisor stated he would send this over to escrow department for review and within 72 hours someone would get back to me. I 'm still waiting. In addition my single point of contact representative has not returned numerous messages left for her. 

Verification of account holder is very poor. 

Lack of XXXX when calling a cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: NV

Complaint narrative:
I have tried several times to let XXXX know that Ive never ever had a phone line with XXXX, its showing up on my credit report and has been for years. I never opened a XXXX account. Ive had XXXX since I was XXXX and Im XXXX years old now. They refuse to help 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 2017-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: MN

Complaint narrative:
I got a new cell phone number last year ( XXXX XXXX ) and this " XXXX XXXX '' company has been calling me every morning after XXXX am since XXXX of this year. And everytime I pick up no one answers, and everytime I call back to tell them to stop calling, they give me this " our representatives are busy, please hold '' spiel. I do n't owe them anything, so I 'm pretty sure my number was used by someone before me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On Tuesday, XXXX XXXX I called this debt collection company that goes by the name of XXXX XXXX XXXX to ask why I got letter saying they were going to sue me. They were demanding a debt more than what I owe and trying to get me to pay more than what I could afford to pay for. The full amount they wanted me to pay was {$1700.00} nothing I 've ever spent. Then they tried to get me to pay XXXX or XXXX. Then XXXX. This was all discussed over the phone number they provided on the letter they mailed to me. I think this was the first letter they 've ever sent me. I do n't remember them ever contacting me although on this letter they claim to have made several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Refuses to provide access as client to mortgage and escrow information regarding my mortgage which was recently transferred from XXXX XXXX to XXXX. I asked for Escrow and Legal Department to contact me with correct tax and escrow figures and every customer service representative refused to arrange.a call. My letter informing me of transfer of my mortgage loan specifically states that my mortgage will not change and XXXX is changing payment amount and date of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I recently dicovered that my identitiy has been stolen and there was an account opened up with XXXX XXXX years ago. They are saying that I owe them {$810.00} and I never had a XXXX XXXX account in my life! 
They eventually sold the debt to XXXX XXXX and I just recently discovered this whole ordeal on my credit report and disputed it with XXXX XXXX The Denver Police Department and even tried calling XXXX XXXX. After 3 phone calls with XXXX XXXX I have decided to report how rude and awful they were to me and nothing has been done about this identity theft. I first reported it to XXXX more then 4 months ago and it is still dragging down my credit score. Now I am in financial limbo with no help. XXXX XXXX needs to take this off my credit record! I am a victom and they are really awful to innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
please help. 
They had my payment on the XXXX of XXXX2017. But still are trying to collect {$150.00}. 
XXXX is not letting the truth, they are saying i was late. 
my certified card, was signed on XXXX/XXXX/2017 by XXXX XXXX XXXX receviced on XXXX/XXXX/2017. I was not late. certified card was signed by XXXX. Maybe he holds payments on purpose, so ocwen can get extra money./ Please help 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