vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
The rental company I went through to rent a home in XXXX Tried to overcharge when I requested to break a lease early due to hurricane florence. When I could not pay them at the time they sent the bill to collections. 
The collection agency is Online Information Services. They are located in XXXX, NC. 
The real estate company is XXXX XXXX XXXX in XXXX, NC. 
I attempted to contact the collection agency by phone on XX/XX/XXXX in an attempt to pay off the debt in an effort to have it removed from my credit report. The agent on the phone informed me that they were unable to remove it from my credit and that I would have to wait the full 7 years before I'd see it removed. 
I then contacted XXXX XXXX XXXX via phone. They informed me that they could remove it from my report after I made the full payment. 
I wrote them an email asking that they update my address information and that once paid off the debt would be removed. 
The real estate office responded vaguely informing me they would let me know when they received the payment. I proceeded to once again request a confirmation letter that once paid the debt would be removed, to which I have not got a reply. 
I would like this account to be removed and I feel I have the right to have written confirmation that this will be removed before making any payments. I also feel as though I have been taken advantage of. Multiple charges were made. I was fully moved out XX/XX/XXXX and the house was cleaned up yet they charge me for 16 days as well as for a screen door that was still at the property but had came off during the storm. The main issue I am having here is that I want to have this account removed from my credit and the companies are evading providing a confirmation of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
I use US Bank as my mortgage lender. Since last XXXX ( 2019 ) I have been severely overcharged for taxes. My home is in XXXX, MA. According to US Bank, they have over $ 15K of my money in a special account. They won't discuss it. Every time we call we get a new banking person who, of course, has no idea what is going on and they always need " time to research the issue and we'll call you back. '' Of course, they never do. I'm on the phone with them now and again, it's someone who has no idea of what is going on and she'll have to research it..... again. 

This is BANK FRAUD and I can't get anyone to help me. The Attorney General of Massachusetts wants nothing to do with this. They referred me to the DOR. They laughed at me and said " we only deal with MA taxes. Why did the AG send you here?? '' They sent me to the Banking Commission and they said they only deal with banks chartered in MA. The Banking comish sent me to you folks. 

The loan # is XXXX. I want some of that $ XXXX applied to the two months allegedly in arrears and the rest in my pocket.

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 2020-03-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONRAD CREDIT CORPORATION
State: FL

Complaint narrative:
Spouse and I took a vacation in the XXXX. We went on a tour for some free gifts to listen to a timeshare offer. We were told by the timeshare personnel that we could get rid of our current timeshare with XXXX and not pay any more maintenance fees. We were told that XXXX would be taking the place of the XXXX timeshare. We did like that aspect of the program and signed up. We were told if we wanted to take a vacation during the transition that we could call use the website app that we were given or call them locally to set it up. We could not log into the website and when we called XXXX in the XXXX, we were unable to get clear answers or were told we would be contacted at a later time. After contacting this company numerous times and getting the runaround on using the service, we realized that we were being scammed. We called XXXX in the XXXX to tell them we no longer wanted the service and to cancel the membership. We didn't get a clear answer with them only that we couldn't cancel and that it would be reported on our credit. Months later, Conrad Credit started calling to collect a debt. XXXX never got our timeshare from XXXX released, they did not follow through on doing that and we never used their membership. We were scammed and continue to get calls and letters from Conrad XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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 acquired two debts ; one from XXXX XXXX and another from XXXX XXXX XXXX. Portfolio Recovery admitted to me that the origination of the debt was XXXX. However, they acquired the debt and they were threatening me that they will continue to report it because they purchased the debt. They were trying to force me to submit a dispute with them on the phone so that they had additional means in which to report and collect on debt that should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent numerous certified letter explaining to Equifax that the debt is not mine. Every time they have sided with the creditor. Equifax always states to me they have " verified '' this debt is valid. But per the fair crediting and reporting act I have repeatedly requested documentation bearing my signature and any other paperwork they have to affirm this debt as valid. To no avail because Equifax has not sent me anything. They never respond to my written request. I call them on the phone and a representative does not give me any information either. This debt is invalid and needs to be removed from all three bureaus, specifically Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
First, there is the general fact that when you go to the Bank of America website, you have to manually tell it you paid the bill for the month, or it leaves an alert saying your bill is over due ... I have made 2 payments in a month because of that in the past. 

Next, I had to make a payment by the XXXX of XX/XX/2020, which wasn't applied until the XXXX, because of the time zone, even though I signed up for automatic billing the month before, and was charged a XXXX dollar late fee. 

Lastly, there is the fact that I had to be walked through the process to sign up for a minimum payment to be made because it is labeled in a misleading way that makes it very hard to discern that it is the minimum payment option. Not having this as a more easily found choice caused me two months of underpayment fees, which were removed when I complained. And sadly that is why I have the XXXX dollar fee : I could not set up the minimum payment with one of their associates. because all of them told me that was what they had set me up for in the previous months when they truly set it up for th minimum due that month. It wasn't until I spoke to someone an Online billing specialist that I was alerted of this and helped to find the minimum payment option, after spending 49 minutes on the phone trying to get everything set with an associate, who assured me they had done what I asked, In short, I assert that the website for Bank of America is designed in such a manner as to make it hard to navigate and maximize their profits by garnering benefits from the fees and overpayments they receive because of its difficulty.

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 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
My account was incorrectly levied by the California Employment Development Department ( EDD ).  Bank of the West withheld the notice of levy for an entire week until after the account had already been incorrectly levied. Had they given me the notice on time I could have notified the EDD to find out what was wrong and fix it before funds were withheld. Due to the extreme delay of Bank of the West all of my bank accounts were in fact levied causing them to be overdrawn and then incur almost XXXX of overdraft and retuen item fees. Even after the EDD notified them that they levied in error they continiued to charge these fees. This was not an oversight on my part or simply being careless with my account. This was an error that was done by the EDD and had bank of the west not held the levy notice for so long it would have been corrected before any overdrafts even occured. Now they have closed my accounts due to these fees and have sent fee amounts to collections.

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 2020-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I accidentally made an over payment on XX/XX/2020. I called them right away on XX/XX/XXXX and was told they would refund the money and I would have it in 5 business days. Those days came and went. I have called every single day since XX/XX/XXXX for help on this. It takes about 27 minutes on average to reach customer service. From there they tell me they are going to speak to someone on my behalf. They put me on hold for an average of another 10 minutes. Then someone else comes on the line who has no idea what my issue is. Then they either accidentally ( wink wink ) hang up on me or they transfer me to someone else, and the merry-go-round continues. All I want to klnow is when if ever will I get a refund of my overpayment? They dont call me back ( Ive left 7 voicemails on their customer service line ) and their employees just fling my problem and request from one office to another. This has been the most horrific experience Ive ever had in my entire life with a company. It makes me physically ill that this is the company who owns my mortgage loan. When will I get the refund? I am overdrawn in my account now. When will I get communication? Its been 10 days with this issue. When will I get a call back on my 7 voicemails? When will I get someone, ANYONE, who cares about my situation??? I am at my wits end!!!!!!!!!!!!!!!!!!!!!! I am a veteran with a veteran home loan and this treatment isn't dignified for me or anyone else!!!!!!!!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Mid Land Credit keep calling my old employment and said they need to talk to me about a credit issue. I can't remember that old number but an ex co-worker called me to say some people were talking about it in the office. 

I am not sure of my rights but that is embarrassing and it is an XXXX XXXX. Also, if an debt is closed on your credit how can a collector start calling you? This happened with a bill that was 5 years old. Please advise with this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper purchased my loan in XXXX of this year and immediately changed my payment from XXXX to XXXX or more. I contacted the company and found out I had a problem with my escrow account. Once I payed back the XXXX  dollars XXXX XXXX took from my escrow account, my payment was not adjusted immediately. As it stands now my home payment is XXXX a month. The company can not explain where my extra payments went. They can not explain why my home payment went up. They can not explain why my escrow is so much more now. They went on to blame my previous mortgage company XXXX XXXX XXXX, and I was told to contact them. When I attempted contact that company, I was immediately routed back to Mr. Cooper. Come to find out, Mr. Cooper purchased XXXX XXXX XXXX, and they were trying to utilize them as an excuse for not calculating my escrow properly. Then they tried to get me to run a FHA streamline loan, and that didnt even lower my payment back to the original amount, or close to it. The company is lying, holding back information, and from my point of view, committing some type of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Complaint XXXX XXXX  and XXXX, XXXX, XXXX XXXX   is refusing to report on the three credit bureaus that I was not late this has been investigated and they are trying to say this is company policy I did not have a bill did not show them a bill I paid my bill XX/XX/2019 and the day I paid it there representative told me I would not be charged a late fee. Well I was charged a late fee even though my bill was paid in full and for six months straight they continue to charge me a late fee each month without even having a balance I have no balance with them it was paid in full in XXXX but every month from XX/XX/2019 they were charging me a late fee and reporting me late each month to the credit bureau I spoke with XXXX and they did credit me all the late fees but I need them to stop reporting me all these months late on my credit report my credit score has gone down because of this and they also took my {$8000.00} credit limit and dropped it down to {$100.00} credit limit because of their representative not doing her job and waiving the late fee like she said she was

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I received a letter in the mail from. XXXX XXXX XXXX about an account I had with XXXX XXXX. XXXX XXXX has been obnoxious when they revoked my credit card four years ago and I gave them a cease and desist order. When reading the letter from XXXX XXXX XXXX XXXX, I see they have been contacted by LVNV Funding LLC, which apparently purchased the debt from XXXX XXXXXXXX. I asked them for the number and when I called LVNV, they refused to talk to me unless I lift the cease and decist order. I have been working with two other debt collection agencies to pay off a debt incurred when my mother was ill before she passed away. I would like have LVNV provide me all the information concerning my account with them. I believe they should be reprimanded for demanding I lift my cease and desist order. It is my right not to have anyone call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
I am officially submitting a complaint with the CFPB against the CBE Group for multiple violations of the FDCPA. On XX/XX/2020 at XXXX XXXX  EST I was contacted by the CBE group. I had given notice that I was at work and they were prohibited from calling me at that time and only to contact me after XXXX Eastern Standard Time. At this point i was then contacted on XX/XX/2020 at XXXX Eastern Standard Time and also on XX/XX/2020 at XXXX Eastern Standard Time. There are two violations of the FDCPA the first on XX/XX/2020 and the second on XX/XX/2020. I am willing to not file suit for multiple violations of the FDCPA if the CBE Group agrees to cease and desist all collection activities for this alleged debt as well as the agreement to not sell or hand off the alleged debt to any further debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Friday, XX/XX/2020, I was in the process of entering my landlords information on XXXX . A feature that is on my Chase app and approved by their company. I did not save my landlords information in error and the funds in the amount of {$1100.00} went to the wrong recipient. As soon as this happened, I called Chase immediately. They told me that if the recipient would contact them, she also has a XXXX account, they would be able to file a claim and have the funds transferred back to my account. The recipient called and explained she received this money in error and authorized them to withdraw the amount from her account. Then the representative told her they wouldnt because she had insufficient funds. I found this to be incredible because this money that belongs to me, now Chase is keeping to cover someone elses overdraft. I asked to speak to a supervisor with the recipient on the line. The supervisor, XXXX got on the line. She told me another story. She told me that although both accounts are Chase accounts that she couldnt do anything about it because it was done through the XXXX app. So the recipient and I were floored by this. We asked her that if the bank in error would deposit a XXXX dollars into an account, that whoever receives that money would be able to keep it? And her answer was YES. I am in shock that this is their policy and maybe this needs to be investigated. I have been a loyal customer for about five years and have never had an issue with the bank. I do not understand why they have refused to return my money. I am disputing this and would like my funds back in my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX acquired two debts ; one from Capital One and another from XXXX XXXX XXXX   XXXX XXXX admitted to me that the origination of the debt was XXXX. However, they acquired the debt and they were threatening me that they will continue to report it because they purchased the debt. They were trying to force me to submit a dispute with them on the phone so that they had additional means in which to report and collect on debt that should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Complaint XXXX XXXX and XXXX, XXXX, XXXX XXXX   is refusing to report on the three credit bureaus that I was not late this has been investigated and they are trying to say this is company policy I did not have a bill did not show them a bill I paid my bill XX/XX/2019 and the day I paid it there representative told me I would not be charged a late fee. Well I was charged a late fee even though my bill was paid in full and for six months straight they continue to charge me a late fee each month without even having a balance I have no balance with them it was paid in full in XXXX but every month from XX/XX/2019 they were charging me a late fee and reporting me late each month to the credit bureau I spoke with XXXX and they did credit me all the late fees but I need them to stop reporting me all these months late on my credit report my credit score has gone down because of this and they also took my {$8000.00} credit limit and dropped it down to {$100.00} credit limit because of their representative not doing her job and waiving the late fee like she said she was

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 2020-03-10 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Complaint XXXX XXXX  and XXXX, XXXX, XXXX XXXX   is refusing to report on the three credit bureaus that I was not late this has been investigated and they are trying to say this is company policy I did not have a bill did not show them a bill I paid my bill XX/XX/2019 and the day I paid it there representative told me I would not be charged a late fee. Well I was charged a late fee even though my bill was paid in full and for six months straight they continue to charge me a late fee each month without even having a balance I have no balance with them it was paid in full in XXXX but every month from XX/XX/2019 they were charging me a late fee and reporting me late each month to the credit bureau I spoke with XXXX and they did credit me all the late fees but I need them to stop reporting me all these months late on my credit report my credit score has gone down because of this and they also took my {$8000.00} credit limit and dropped it down to {$100.00} credit limit because of their representative not doing her job and waiving the late fee like she said she was

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: NY

Complaint narrative:
These are not my accounts

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