vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: GA

Complaint narrative:
The invoice was paid to the billing department at the medical facility on time. This is not a debit and there is no reason the debit collector should be contacting me. I sent a Certified letter to the collector with a copy of the invoice and a dated payment conformation. A cease and desist was included in the letter, the letter was sent on XX/XX/XXXX, on XX/XX/XXXX Universal Collection Systems contacted me via phone using an automated system violating the cease and desist demand. I now consider this harassment and will press charges upon a second violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: DISCOVER BANK
State: FL

Complaint narrative:
Around XX/XX/2017 my girlfriend started a student loan application with Discover, I offered to be a co-signer. On their website they show XXXX XXXX XXXX XXXX as an elegible college that they offer their services too, so we decided to go through with it cause that's where she wants to study. After Discover inquires our credit and approves a loan, we negotiate the repayment process and interest rate, and they proceed with the certification request to the school, only to be turned down cause according to the financial aid department at the school they only accept federal loans or scholarships, not bank loans. 

I procceed to talk to XXXX different supervisors from Discover about this discrepancy and they could only escalate it to corporate, and told me to wait about 40 days for a resolution, I call today well over the timeframe to hear that Discover XXXX cancelled my request for removal of both credit inquiries basing themselves on that the school does meet the requirements to be on their website, I told the last supervisor that the information is very misleading cause why offer a product on a college that does not even accept it, even after providing sensitive information. As soon as they denied my request I called one of the credit bureaus, and they can only remove it if the bank sends a letter to them stating that it was a mistake in which they didn't, then the agent gave me the contact information for CFPB, XXXX answered and provided me with this method of submitting a complaint. 

Hopefully I can get those credit inquiries removed and they can remove that misleading information from their website, saving future consumers a headache.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have disputed this with both Experian & XXXX XXXX credit. I have inaccurate multiple late fees showing on my credit report in XX/XX/XXXX. After months of disputing this with both companies the late fees were taken off and then added back the next month. I had no knowledge or written letters sent to me saying they were putting these late fees back on my credit report. I disputed it again & asked for proof of this inaccurate info from the company. I was given no information. It was deleted again. For the last time, this card is paid off & I am demanding to have these late fees deleted or the entire card deleted off my credit report. This is absolutely ridiculous that someone has to keep battling over inaccurate information with this one credit bureau. It is also a violation. Please remove the late fees or delete account from my credit file.

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 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
Fraudulent charge ( $ XXXX ) against my XXXX XXXX made from Phillipines XXXX by XXXX XXXX. by use of a XXXX. Auth./Ref. # XXXX. Filed a claim against my credit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Threaten I would be arrested and Law Enforcement would be at my door within the hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Brokers Inc.
State: CO

Complaint narrative:
Had to take Classes for a XXXX at {$25.00} per class. If you did not pay, you could not attend class. If you missed a class, you had to make it up and pay the {$25.00} for the missed class. They say I owe {$100.00} with Interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I am on an XXXX Account as primary user with my spouse. I no longer am together with her and want my name removed from the account. She wants to keep the account for herself. USAA is telling me that we have to close the account and she needs to open a new one. She has several bills debit from the account and a direct deposit paycheck that goes to account also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I sent a XXXX certified letters XX/XX/2018 USPS in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 30 days.

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 2018-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My Home Affordable Modification became effective XX/XX/2012. I've been making my payments as agreed in the modification. In XX/XX/2012, Chase transferred my loan to XXXX XXXX XXXX, XXXX. Months after the transfer to XXXX, I noticed a prev-prior servicer fee of {$4900.00} on my monthly statements. XXXX, couldn't give me an explanation of the fee other than it came from Chase Bank. I've tried calling Chase several time for answer but I received the same reply, we are sorry but we don't have any information about your loan because everything was transferred to XXXX. Finally, after putting my dispute on paper, I received a response from Chase Bank that has me even more confused. My Home Affordable Modification states that I would have a new principle loan balance of {$210000.00} which includes all amounts and arrearages that will be past due as of the modification effective date ( including unpaid and deferred interest, fees, escrow advances and other costs, but excluding unpaid late charges, collectively, " unpaid amounts '' It also state in the preceding paragraph of the agreement that all unpaid late charges that remain unpaid will be waived as of the Modification effective date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
As of XX/XX/XXXX, Had balance of {$110.00} with TD Bank. My husband had XXXX and opened account in my name over the phone without my knowledge. They added late charges and the total is now {$210.00}. In XX/XX/XXXX, I spoke to bank and told them they should not be opening accounts over the phone. They stated my name was on the account and I had to pay it. My husband XXXX XXXX in XX/XX/XXXX and I feel I am not responsible for this debt. They call me three times every day, sent me four letter demanding payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I made a electronic rent payment as I have for a year. Ive done this for a year without problem but unusual acts on my account like online account would show funds paid then change when items were paid, including date, account balance, etc. I have overdraft protection so even if I didnt have money in account item would be paid. Also I would be notified by text that hasnt happened. This has been a common problem with someone inside bank clearly manipulating account at Huntington Bank. I want a complete audit and records of who has accessed to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
XXXX XXXX  GiftCard purchased in 2014. Bank states that because the card was inactive after 12 months. They automatically deduct {$2.00} per month until active. We never used the two cards we had so we lost all our entire gift card balance. Explained that these fees were outlined in the agreement. Why should the funds expire? This is the banks stealing money from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NE

Complaint narrative:
My name is attached to a loan I never signed for or agreed to. The promissory note does not have my signature on it and after dealing with the company for over 11 years now I have reached a stall. They refused the fraud packet I filled out in 2006, They continue to contact me but have blocked me from contacting them. I have reached out to XXXX XXXX of PA and XXXX  XXXX of NE with no change. I have contacted the three reporting agencies of credit and they refuse to look into it. I have contacted a private attorney and they want XXXX to start with. The loan I am attached to is under 10000.00. I have contacted the state attorney General for NE and PA with no response. The American Education Services has lied to me at every turn and they know they have my credit hostage. They are a part of the government and have no Bussiness dealing with private student loans but they paid off who ever to get the contract. They continue to scam and no one will question what they are doing. I just want my name removed from the loan and my credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My loan is with XXXX XXXX and I pay my bill through Loan Care. I live in Florida and am qualified and receive the 100 % Veterans reduction on my Real Estate Taxes. I was refunded in XXXX for last years taxes. I have spoken to Loan Care at least six times about them lowering my escrow deduction. They are still charging an excess amount for my escrow reserve. They have been notified by the County and State and I have sent notifications that the payment should be dropped and the escrow amount should be dropped. I have not been able to get them to acknowledge when or even if they are going to drop the amount of escrow funds. I don't want to be paying an over payment on escrow like I did last year and then have to wait for a refund. Can you help me get this problem solved? Thank You

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 2018-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a home mortgage with Wells Fargo. 
I prepaid my state and local taxes for calendar yer XXXX in calendar year XXXX. 
I requested a refund from Wells Fargo for the taxes that I have already prepaid. 

I have not received a refund from my escrow account for the taxes that I have prepaid. 

Despite several requests, I have not received any response as to when I can expect such a refund.

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 2018-02-09 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: CA

Complaint narrative:
There are inquiries on my credit report that are not mine or authorized by me, as law requires. 

I called Transunion and requested they correct the issue and was told they can not help. 

The inquiries specifically are : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Please help me correct this issues and force Transunion to appropriately work with clients.

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 2018-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
CFSI has reported two accounts to the credit bureaus as collections. 1 account is for {$340.00} and the other is for {$380.00}. Neither one of these belong to me and I was never contacted to dispute these accounts, they just appeared on my credit report. I have been a victim of identity theft and I believe that these accounts may stem from that. These account are not mine and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I sent a 3 certified letters XX/XX/2018 XXXX in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I sent a 3 certified letters XX/XX/2018 XXXX in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 30 days.

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 2018-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In XX/XX/2017, I applied in-store at XXXX XXXX XXXX in XXXX, NC for an XXXX Credit Card served by XXXX XXXX. Due to a fraud alert on my XXXX report that was on my account at that time due to the XXXX  breach, the account was not approved. Later it was approved for {$250.00}. It is important to note that I have two other store accounts with XXXX XXXX   XXXX XXXX XXXX XXXX 

I later received a letter from XXXX  saying they tried to contact me using info on my credit report I have no contact info on my report. I call XXXX, and in XXXX had them remove the fraud alert from my report and applied for a credit limit increase. I received another letter from XXXX  stating the same as above we tried to contact you at the info on your report. 

I then tried applying again in XXXX same thing. I call XXXX and they informed me that XXXX is wrong. There is no fraud alert on my report, and thus no phone number. I call XXXX, and they STILL insist that there is, and I can not get to an actual person that can help only 1st and 2nd line respondents, and XXXX   has no corporate complaint facility. 

All I want is for XXXX  to process my credit limit increase WITHOUT trying to contact me based on info in my report ( XXXX informed me that NO ONE has a number on their report unless there is a fraud alert ). If XXXX has their own " fraud alert '' on my account, then they need to remove it. It would be obvious everything is on the up and up if they would simply look at the other accounts I have with them. This is a situation that is checkers, but XXXX  is going out of their way to make it chess including quoting their " policy '' as a " law '' which is just amazingly naive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation
State: TN

Complaint narrative:
On the XXXX of XXXX I call XXXX  XXXX XXXX money network and told them I lost my card deactivate it and they didnt and the person that took my card got money off of it

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 2018-02-09 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: MS

Complaint narrative:
I have disputed this with both Experian & XXXX XXXX. I have inaccurate multiple late fees showing on my credit report in XXXX. This account is showing inaccurate, this account says closed but does not state when it was closed, it does not give the full accurate account number. After months of disputing this with both companies the late fees were taken off and then added back the next month. I had no knowledge or written letters sent to me saying they were putting these late fees back on my credit report. I disputed it again & asked for proof of this inaccurate info from the company. I was given no information. This closed account was completely deleted off of my Experian credit report only to reappear again this month with more inaccurate late fees. This account wasn't even opened in XXXX of 2017. For the last time, this card is paid off & closed I am demanding to have this account deleted off my credit report. This is absolutely ridiculous that someone has to keep battling over inaccurate information with this one credit bureau. It is also a violation. Please remove the account from my credit file.

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 2018-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Unfair charges to pay mortgage and credit reporting I have the Mortgage Account with Loancare. Paying on time ( Every XX/XX/XXXX of the Month ) thru my bill pay account. I realized from their statements late charged after XX/XX/XXXX that my billpay is physically mailing them the checks and they are receiving after XX/XX/XXXX. I  tried to schedule auto payments form their website but it does not schedule the payment once it is due ( after XX/XX/XXXX ). Then I started paying for their website but they charge the fee to pay online after XX/XX/XXXX of every month. More closer you are of the deadline ( XX/XX/XXXX day of month ) higher the fee. I called in so many times but never got anyone to talk to. Finally i got someone to talk in Mid ofXX/XX/XXXX ( I guess it was XX/XX/XXXX ) and request them to make auto draft every  month. They took my banking info and told me that it will be schedule from next month. I went out of country in XX/XX/XXXX and came back in mid of XX/XX/XXXX and received mails that I am behind my mortgage for 2 months. I checked my bank account and found that no draft was made. Ever since i am trying to contact them by phone but found no human to talk to. I sent them 2 request to explain all this thru their website contact us form on XX/XX/XXXX and XX/XX/XXXX but they did not contacted us. They reported us to the credit bureau. Charged is {$190.00} for the late fee. Higher than anywhere.

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