vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-24 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: MN

Complaint narrative:
My Experian account was showing that I had a delinquent account for a XXXX line of credit. I have never had a XXXX line of credit so I sent an email to XXXX to dispute this account on XX/XX/2020. After much work and follow through that delinquent XXXX account was marked by XXXX  as fraud. 

While this was going on Midland Credit Management was attempting to collect on the fraudulent account. 

A telephone conversation was had with a Midland Credit Management employee conveying to them that the XXXX account was a fraud. They closed out the collection account. 

Sometime later an employee at Midland Credit Management re-opened the fraudulent account and began the collections process again. After receiving collection notices from the company in the mail I called at spoke to XXXX XXXX. It was determined yet again that this XXXX line of credit was fraudulent. 

Checking my credit report today I see that my credit report shows my account is in collection status due to this fraudulent account. 

Midland Credit Management attempted to collect {$850.00} from me derived from a bogus account. The account was declared fraudulent and Midland Credit Management, after closing their account on the matter, re-opened the account and again began attempting to collect {$850.00} from me. In doing so they have damaged my credit. 

The fraudulent account is identified as Account name : XXXX/XXXX  account # XXXX ... 

The account with Midland Credit Management is identified as Original Creditor : XXXX XXXX  Current Owner : Midland Credit Mangement, Inc Original Account Number : XXXX MCM  Account Number : XXXX Current Balance : & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery A is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have not given them written instructions to report anything on my credit report. They have harmed my reputation and stop me from receiving services or goods by lowering my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24 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 was given a 3 moth deferred payment on my account, I have disputed the account and submitted documents of the deferred payment agreement, I had to sign the document twice because the never received the first one and was promised it wouldnt affect my credit

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 2021-04-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX of XXXX, I ( XXXX XXXX ) paid off my XXXX  Student Loan dept in full. Until this day of XXXX XXXX it is still reporting an open balance {$1600.00} as of XX/XX/XXXX. 

2 issues, the balance is incorrect and the last update was back in XXXX. It is showing closed But when I try to go and apply for a loan it is still showing that I owe that amount on there end I have contacted both XXXX XXXX and XXXX XXXX loan and yet the issue still have not been resolved. I need immediate action to be done. Ive sent out letters back to back to XXXX, us department of education, transition, experience and XXXX  XXXX  and waited on a response, still nothing has been done!

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 2021-04-24 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: U.S. BANCORP
State: DE

Complaint narrative:
credit card issued by Elan financial services a subsidiary of us bancorp was charged in the amount of XXXX unauthorized i by phone told the credit card issuer of the unauthorized charge on XX/XX/2020 they provided credit to my card and sent me paperwoork to fill out to dispute the charges i filled out the paperwork and they later denied receiving it there has been a severe us mail problem beginning and recorded since XX/XX/2020 of which they were aware yet no e-mail sent to them concerning lack of receipt of paperwork they waiting on their denial was after the 60 days since they issued me credit for the unauthorized charges and a debit of XXXX was initiated and recorded i have called on other unauthorized charges in the past four years and they are aware of my timely diligence to resolve all issues. charges were by XXXXXXXX XXXX XXXX. and were twice on one single day for XXXX as well as other charge dates

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 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a Chase Acct. 
I have it set so that if I have overdrafts, it alerts me. 
The feature seems to always reset I know that Chase allows one reversal overdraft ( that I know of ) per year but it happens every time. 
Initially, I think its my fault bc I dont always check that account so Ive accepted the other draft fees. They add up. 
It happened again today ~ I am minus {$4.00} and no alerts. I now wonder XXXX How many times has Chase collected overdraft fees based on a feature that seems to reset itself and unsuspecting customers get charged the {$34.00} or more if they dont realize it the same day

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
I was trying to use my debit card for one thing and it ended up being charged to by some kind of cryptos that I did not authorize. I have an account with Trustmark so be careful to where you spend or enter your card number because people will take advantage of you. When I made a purchase the logos were changed from a trusted store and I ended up putting my card information in a fraudulent store. I ended up purchasing some cryptos for someone else that cost me nearly {$2000.00}. Trustmark will not help you if this happens so be careful where you use your card.

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 2021-04-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
When I log into my account BOA is not allowing me to dispute a transaction charge online. It keep referring me to call customer service dispute direct. 

I tried disputing a charge for {$17.00} REF # 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 explanation
Consumer complaint received 2021-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Payday loan and multiple attempts to cease monthly increase in payments after account has been closed and charged off. XXXX continues to report account and charge additional fees. All three credit bureaus made aware of this. I also called XXXX requesting my tax form for irs. Never emailed as stated by bank rep.incorrect payoff of loan documented not to mention the loan now engulfed to over XXXX with monthly charges since charge off which they have gotten a tax break for? 
Not to mention letters sent to all bureaus for removal due to inaccuracies due to additional monthly fees. All documents are available to show outstanding increases after charge off. 
Due to the false and fraudulent information XXXX continues to report I would like this account removed swiftly from all 3 bureaus.

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 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I am NOT behind in payments. 

In a matter of minutes, Mr. Cooper XXXX Nationstar XXXX took seven ( 7 ) additional, unauthorized mortgage payments via ACH from my XXXX XXXX  account effectively taking enough money to pay my mortgage until XX/XX/XXXX. I had no payments due until XX/XX/XXXX. Amount Unauthorized {$700.00} XXXX XXXX = {$4900.00} Additionally, aforementioned mortgage lender has NOT credited any of these payments to my mortgage account, which still reflects a payment due XX/XX/XXXX. 

Contacting XXXX, they are aware of the issue indicating this has happened to numerous accounts ; XXXX indicates this issue needs to be resolved with the Mortgage lender. 

Contacting the Mortgage lender, they do not answer the phone citing heavy call volume due to COVID-19. Perhaps taking 7+ unauthorized mortgage payments for numerous customers results in heavy call volume?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To Whom It May Concern : JPMorgan Chase Bank withdrew 3 payments of {$1900.00} each from my account : {$1900.00} on XXXX  XXXX, 2021 {$1900.00} on XXXX  XXXX, 2021 {$1900.00} XXXX XXXX  XXXX, 2021 The 2 withdrawals on XXXX  XXXX were fraudulent and resulted in my account to be overdrawn. A credit card payment I scheduled for XX/XX/2021 for {$850.00} was declined because of the overdraft. I have a second credit card payment that is due tomorrow and a third credit card payment is due on XX/XX/XXXX. All these payments have been scheduled and I have no funds in my checking to cover these payments as my next paycheck will not be credited to my account until XX/XX/XXXX which is reserved for payments due on or after XX/XX/XXXX. 

Apparently, this only impacted XXXX customers who bank with Chase. 

JPMorgan Chase contends that the error is on XXXX end however, all things point to Chase being at fault because I pay my mortgage online from XXXX 's website. When I initiate these payments, it is posted to my mortgage account first and a day or XXXX later, the same amount is withdrawn from my checking account. However, the payments withdrawn from my account today, XXXX  XXXX, were not posted to my mortgage account. 

I called JPMorgan 3x, the first representative a male, was rude. The supervisor I spoke to named XXXX gave the same spiel as the male rep and hang up the phone before I could finish talking. The third representative I spoke to named XXXX, who would not give her ID # or last name placed the blame on XXXX. 

All 3 Chase reps told me to deposit funds to my account so my other payments are honored. I was told to come up with {$3800.00} on a Saturday morning! Chase made an error and I am told to come up with the money to temporarily rectify their mistake! This is not right especially during this pandemic. I only have enough funds to cover my expenses on my personal account. For Chase to tell me to come up with additional funds to cover my payments thru no fault of mine is egregious. 

Late payments negatively impacts my credit in addition to the late fees that will potentially be charged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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 — Problem with personal statement of dispute
Company: Consolidated Credit Solutions, Inc.
State: FL

Complaint narrative:
Since XX/XX/2019 i have a deal with CONSOLIDATED CREDIT Solutions , to make my Credit Cards payments, ( 5 ) ... So, i have never failed my monthly payments with they ... and currently i found that there are Three ( 3 ) of my cards with " LATE DATES " several months in each one ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I saw a debt collection appear on my credit report this week. This was for a debt that I had already settled with the original utility company, XXXX. This was done when I moved away, returned equipment, paid final bill. The final amount was only {$180.00}. This was in the early summer of XXXX. There was no further communication, as there was no need. 
Almost two years later the company named, Waypoint Resource Group, reported to all credit bureaus that I held a valid debt. I have never been notified, received anything in writing in paper or email, to validate the accuracy of this debt. 
On XX/XX/XXXX I contacted XXXX to see what happened on their end. Since I used to pay for two different accounts ( my parents & mine ), they messed up on not accurately reported mine as not settled, I can only guess. Either way, I paid it once more. They said they would remove the debt from the collection company, Waypoint. 
On XX/XX/XXXX I contacted Waypoint Resource Group. I asked that they not only close this with the proof of the settled debt, but that they remove the entire report from my credit. I know that only the reporting agency can do such actions. Since they never validated the debt, how could they just report unverified info that can hurt someone's finances. I was hung up three times while trying to speak with an agent at Waypoint. They were extremely rude. They said they tried to contact me 74 times. I like anyone these days have a scam-blocking service by XXXX  on my phone. That service only blocks calls from unfavorable, companies with negative XXXX reports and such that one would earn from scam calling ... After trying to speak with them, I can believe that I am not the only one with a complaint about Waypoint. 
So I ask that you, the CFPB assist me in dealing with this awful financial resource group.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My mortgage company Mr. Cooper made a fraudulent unauthorized ACH charges to my XXXX XXXX XXXX XXXX  account in amount of {$2400.00} 6 times for a total of {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Repeated calls throughout the day. I explained to the company I was affected by XXXX they continued to harass me each day.

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 2021-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: NH

Complaint narrative:
In 2019 When XXXX merged with XXXX I called to put both my cell phone and TV on the same bill. They set me up with a SECOND XXXX XXXX  account. I paid two separate bill for approximately 3 months until I realized what was happening ( I was being charged two times for the same service ) they refunded me the money. 
Fast forward to this year. When I disconnect my XXXX account I had a {$0.00} balance. Two months after disconnecting I saw on XXXX XXXX that I had been sent to collection for a past due amount with XXXX. I never received a bill. The collection company ( Franklin Collection ) never sent me a bill. I asked Franklin Collection for a breakdown of the charges. They said I had closed the account and didnt pay my bill XXXX false ). I called XXXX and they informed me that it was from the REFUND they gave me in 2019 ( that was a result of THEIR mistake of over charging me ). 
This is fraudulent and companys shouldnt be able to use collection agencys so frivolously as it damaging my credit. I do not owe any other company but them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I've applied for a XXXX XXXX American Express card and my company has over {$1.00} million in annual revenues and my annual income is over $ XXXX. I've applied twice and both times I've been declined and when I request to see the details related to the declination all I receive is the message below. My applications were over 2 weeks apart so I find it untruthful that their systems have been updating for over 2 weeks. I've tried back after 24, 48 and 72 hours and I still receive the same message so the basically decline my application and do not provide the reason why. 

" We're Sorry Our systems are currently updating ; please check back on this site in 24 hours. Sometimes, clicking on one of the navigational links can resolve the problem. If this doesnt work, please try again later. Or, if you would prefer immediate assistance, you can call us at XXXX ( Mon-Fri XXXX XXXX XXXX 

For card applications, click here for some of most frequently asked questions. 
For American Express XXXX XXXX click here for some of most frequently asked questions. 
For American Express XXXX XXXX, click here for some of most frequently asked questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: MO

Complaint narrative:
I applied for a loan online, I've made the payments on time every pay period. 
My loan amount was {$1200.00} I've made over 14 payments on {$160.00} and my balance is still {$980.00}.

I was told I would make 12 payments and my loan would be paid off, but its not. I've paid back the loan and more and still no where near close to paying this loan off.

I don't read well so I had the agent to explain my loan documents. If I would have known that I would have to pay 4-5 times that amount I would have declined. 

I'm not trying to no pay what I owe, because I have paid that and more and no where near done. I need help they took advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX I took out an auto loan for a new car with 5th 3rd Bank. On XXXX XX/XX/XXXX I mailed in the final payment. The check cleared my account XX/XX/XXXX. Later that day 5th 3rd had my fully paid off car repossessed! 
I was forced to pay {$1800.00} cash to get my car. I paid this at the branch XXXX XXXX XXXX XXXX XXXX, NC XXXX within 15 minutes of my car being stolen. 
I spent weeks trying to get my money refunded. I spoke with the manager XXXX who said the money would be refunded. He said they did not know where " which pot '' my money had gone into. The next week he left a voice mail saying the same thing. 
I have received a check for {$510.00}. No idea why this amount. 
My final payment was {$1200.00}. Again, cash required to get my car was {$1800.00}. 
This entire situation is completely nefarious! 
Requesting full refund of {$1800.00}. for overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Mr copper mortgage I paid on XX/XX/2021 as of today which is XX/XX/2021 they have taken 7 payments out of my checking account in the amount of XXXX $ each payment! My checking account is now negative XXXX $

Company response to consumer: Closed with explanation