vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: IL

Complaint narrative:
Received calls from so-called Discover card saying they are offering me a discounted interest rate on my Discover card. I do not have A Discover card and Ive asked to be removed from the list but they keep calling. 

Calling from number XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lela Mae Portfolio Management Group
State: CA

Complaint narrative:
XXXX XXXX, sold the debt to another company without notifying them that they had filed a claim with the trustee of my bankruptcy. I have filed a previous complaint with CFPB regarding XXXX in a similar matter. I continue to get collection companies contacting me regarding this debt which was included in my bankruptcy. I keep giving the information regarding this debt, but I continue to get emails with threats and calls to family members, work and on my cell regarding this debt. The current collection company Lela Mae Portfolio Management Group XXXX XXXX XXXX XXXX, Ny. XXXX, has continued with the harassment after being told of the bankruptcy and that they should contact my attorney. They were given my attorneys information, but continue to pursue a claim for a debt that has been met with the original credit grantor.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
On XX/XX/2021 I checked the balance of our checking account to see that Nationstar bank had taken an extra mortgage payment out of our account without our permission. While they also put the deposit back in, this is an intrusion into our account that they had no permission to do. I do not have an automatic withdraw set up with them. 

Additionally, Mr. Cooper / Nationstar sent me a letter saying our property was not insured and they were going to pay for insurance and charge us back with a policy that had less coverage and cost more. We have current insurance and always have. When I used the phone number they gave it's an automated system that directs people to a website, https : //www.mycoverageinfo.com/mrcooper/policy-manager/system-unavailable As you can see the system says " down for maintenance until XX/XX/2021, at XXXX XX/XX/XXXXit is past this time, I had an option of hitting zero and getting a live person, I was on hold for at least 20 minutes being told they were " experiencing heavy call volume '', then the call hung up on me. I re-called the auto phone system selected the option to file evidence of insurance via text, the link they sent? The website that is down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: CA

Complaint narrative:
Direct Express is asking to identified my self for the last 24 month and until now still waiting for their approval state and federal document are not good enough to process and issued a new card neither to provide information on the account activity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to the CFPB to investigate TransUnion for incorrect reporting. The CFPB closed the case after TransUnion responded without making the necessary updates. TransUnion simply sent a standard computer generated response saying I would be notified by mail. 

As I mentioned in my XX/XX/XXXX complaint. TransUnion has been and continues to report a XXXX chapter XXXX bankruptcy that is not mine. I have told them on multiple occasions, this was a chapter XXXX filed by my ex wife. 

I submitted letters from the Superior Court ofXX/XX/XXXX Bankruptcy division, signed by Judge XXXX that clearly stated this is not accurate, and that I did not file for chapter XXXX. TransUnion has made the fatal mistake of ignoring that judges order. 

I then contacted the agency they use to verify there information, which is XXXX and they agreed that they were also reporting in error. They provided me with a letter stating the information was incorrect and they had removed it from my credit file. 

TransUnion unfortunately has continued to ignore all of the evidence I have provided. They continue to disregard the laws that were put into place to protect consumers from predators like themselves. 

I am now hiring an attorney to file a class action lawsuit against them for defamation of character. I am asking CFPB to also encourage TransUnion to comply with the law. 

I have made dozens of phone calls to them and they continue to ignore my requests. In addition to that I spoke to a gentleman who identified himself as a US supervisor, after he chose to ignore my request as well. He said he was going to email his manager to call me asap. I have never received that call.

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 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXX and XX/XX/XXXX CRAs. On XX/XX/2021, I mailed Equifax, XX/XX/XXXX andXX/XX/XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I purchased a American Express Serve Card from XXXX in XXXX, MI and loaded {$500.00} at XXXX. I was unable to register the card for 6 hours as I called the AE Serve customer service at XXXX I was able to activate the card and I found out that my {$500.00} was taken out of my card by someone with the name of XXXX XXXX XXXX XXXX XXXX account in New York at XXXX the same day XX/XX/2021. I have never used this card, I have spoke to six representatives to find out how I can get my money back. The fraud protection at AE Serve stated they can not reverse, stop payment or cancel the transaction, they have to let the transaction go through it will take 7-10 business days to investigate and there is a hold on a online purchase from this person in the amount of {$490.00} and {$0.00}. I have no idea how a non activated card that has not been registered was able to have {$500.00} removed from the card. I am furious and American Express customer service and fraud protection department will not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: Lewis, McDonnell & Associates
State: GA

Complaint narrative:
This account is 7 years old and now the debt collection company has bought it and reporting as new.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: CA

Complaint narrative:
I initiated a dispute for incorrect items which were listed on my credit report. It has been well over 30 days and I still have not received any response or investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
BEST BUY/CBNA Account Number XXXX closed my account due to covid 19 and my income was affected. I was on a payment plan with best buy but due false information the account was never reopened

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 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account is from Capital One don't know my account number but it was open around 2016 This account doesn't not belong to me. I am a victim of fraud and I will report to all credit bureau because I shouldn't be responsible for a those transactions. I need to remove this items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
In XX/XX/2021, we were finalizing a refinance to pay off our prior mortgage with Flagstar Bank. Our new mortgage received a pay off letter on XX/XX/2021 good until XX/XX/2021. In it was listed the total principal balance of {$320000.00}, interest due from XX/XX/2021 to XX/XX/2021 of {$970.00}, a recording fee of {$120.00}, and a per diem of {$39.00} if the payment was received after XX/XX/2021. In total, the full pay off up until XX/XX/2021 was {$320000.00}. Our new mortgage was completed and on XX/XX/2021, payment was sent to Flagstar for a total of {$320000.00} which included interest paid until XX/XX/2021. However, payment wasn't processed until XX/XX/2021. After all funds were allocated, Flagstar decided that {$16.00} was still missing and removed this from the escrow account that same day. The only way we found out about this was by logging into our account online, we weren't made aware of this issue. 

Since becoming aware of this issue, we have reached out to Flagstar many times but to no avail. The specific dates are XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and today, XX/XX/2021. Each time, we have spoken with a representative and their corresponding supervisors who have confirmed that something is wrong and the math doesn't add up. However, the specific departments that need to investigate this, the cash operations and management teams, aren't reachable to us by phone and have given responses that don't clarify why they believe there is no issue here. We have even asked for them to spell out all of their calculations so that it is clear why we are wrong but they have failed to do so. The only response provided have been inadequate and state that we are wrong ( they are right ) and that the month of XXXX doesn't end on the 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 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent numerous dispute requests to XXXX, Equifax and XXXX to remove the addresses that I am not familiar with and do not belong to me. I have sent off this request every 30 days since XX/XX/2020, I have attached my license, ss card, utility bill and bank statements to show my correct address which is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX I need all other addresses that are not related to me removed from my Equifax, XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: CO

Complaint narrative:
As part of an incentive to sign up for XXXX, I was mailed a {$300.00} pre-paid Visa card at the end of XX/XX/XXXX. I have since found that the card is serviced through " Prepaid Card Center '' and " Blackhawk Network '' on behalf of XXXX. Prior to the card being delivered to me, the card was stolen in the mail. I only found out that it was stolen once I received an evidence notification from XXXXXX/XX/XXXX Police Department, at which point I reached out to the card company to learn that the funds had been fraudulently spent. I was instructed to file a Cardholder Dispute Form with the Company, which I submitted on XX/XX/XXXX via email. This initial notice included the letter from the XXXXXX/XX/XXXX Police Department as further evidence that I was not involved with these charges. After not hearing a response, I revisited the card processor 's website and was notified that I now needed to submit a notarized affadavit. On XX/XX/XXXX I mailed a notarized affidavit, along with a copy of my original cardholder dispute form, the XXXXXX/XX/XXXXPolice letter, as well as the two United States Postal Inspection Service notices that I received. After again not hearing back or hearing a resolution on the matter, I have reached out several times to the Company. On subsequent phone calls, including the most recent one XX/XX/XXXX, I was notified that the forms and required information was received XX/XX/XXXX but that it was still " processing ''. It has now been over 90 days since this was started and the Company has failed to resolve these fraudulent charges and has failed to maintain even the slightest communication throughout this process.On the XX/XX/XXXX call, I was informed by " XXXX '' that his supervisor had allowed for an exception to be made to fund the account the disputed balance, with funding expected " within the next ten minutes ''. I then went to log back onto the website to find that my card had been blocked and that I was no longer able to log into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
My original mortgage was with XXXX XXXX, loan number XXXX but was sold to MT & T bank in XX/XX/XXXX. While with XXXX XXXX I did two loan modifications one in XXXX for {$3600.00} and the other in XXXX for {$2000.00}. 
I was speaking with a mortgage servicer at Mt & T bank who told me my current pay off is {$80000.00} but because I took two loan modifications was done with XXXX XXXX XX/XX/XXXX that a total of {$30000.00} has been placed on the back end of my mortgage which means if I was paying off my house today I would have to pay the outstanding principal balance and the back end amount. 
I did not agree to this and believe the amount placed on the back end of my mortgage is incorrect. I have already paid 10 years of payments made on my home. 
Can you please investigate? I never agreed to such and amount.

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 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
In XXXX we received a notice from our county treasurer that our second half taxes had not been paid in the amount of {$3600.00}. Taxes are paid twice a year by our mortgage company, XXXX, through our escrow account. We notified XXXX, they recognized the issue and paid our taxes as well as the interest and penalty assessment. In XX/XX/XXXX, we received our escrow statement indicating that there was a negative balance. Upon review, of their document, it clearly indicated that they had disbursed funds from the escrow account twice for the amount of the tax due. After numerous phone calls over many months, XXXX finally recognized the error and added the funds back to our escrow account. We received a letter informing us of this on XX/XX/XXXX. 
Our loan was purchased by NewRez, in XXXX of XXXX. Our initial payment statement from NewRez showed a delinquent amount of {$3600.00}. We have repeatedly tried to get resolution of the matter with NewRez. NewRez has told us that it is a problem with XXXX and that we need to work it out with them. 
Upon contacting, XXXX, we have found them to be unresponsive, although we have made repeated attempts over 5 months. However, we did receive a document ( enclosed XXXX indicating the disbursement of the taxes twice in XXXX, that the funds were advanced back to escrow XX/XX/XXXX, but a fee was assessed of {$3600.00} that they are unable to waive. 
We are attaching 2 copies of escrow statements from XXXX, one from XX/XX/XXXX, and one from XX/XX/XXXX, that appear to differ as well. Also, attached is our mortgage statement showing this item as delinquent and default related charges. Enclosed are documents to support the commentary above. Additional documents are available upon request.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: I.C. System, Inc.
State: GA

Complaint narrative:
Hello, I am wirting to advise of debt collection that has been satifed and requested for pay of deletion. I was advised that I must forward any and all documents to credit bureau for removal. I advised by collection company that they may or may not send updates. I under this to be a direct violation of FDCPA requesting removal of account from I.C. System account number XXXX and credit bureua reporting number XXXX for the satified payment amount to close and delete from all credit reporting in the amount of {$290.00}.

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 2021-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
friday XX/XX/2021 at XXXX my bank called me explaining the see some unusual activity in my account and they were going to to stop the activity but at XXXX i went into my account and notice i was missing {$2700.00} in my account someone went into my account and transfer money to someone I don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
FOR SEVERAL SEVERAL MONTHS NOW I HAVE BEEN TRYING TO GET THIS ISSUED RESOLVED BUT HAVE BEEN GETTING THE RUNAROUND EVERYWHERE I GO. THIS NEEDS TO BE RESOLVED IMMEDIATELY AND THIS IS MY LAST ATTEMPT BEFORE PURSUING LEGAL ACTION. I HAVE NEVER BEEN LATE ON ANY OF MY FEDERAL STUDEN LOANS. I CONSOLIDATED ALL OF MY LOANS ON XX/XX/2018 ( ATTACHED IS PROOF FROM MY CURRENT SERVICER ; XXXX XXXX XXXX. THE FEDERAL STUDENT LOANS THAT I CONSOLIDATED ACCRUED SEVERAL LATE PAYMENTS AND DEROGATORY REMARKS. HOW CAN THIS BE IF THEY WERE CONSOLIDATED AND THE BALANCES WERE REDUCED TO XX/XX/XXXX? I HAVE CALLED THE US DEPT OF ED, XXXX OR XX/XX/XXXX XXXX, PERKINS LOANS, AND THEY HAVE NOT FIXED THE ISSUE. IT IS THE CREDIT BUREAUS OBLIGATION TO REPORT ACCURATE INFORMATION. THIS IS NOT ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: CA

Complaint narrative:
FOR SEVERAL SEVERAL MONTHS NOW I HAVE BEEN TRYING TO GET THIS ISSUED RESOLVED BUT HAVE BEEN GETTING THE RUNAROUND EVERYWHERE I GO. THIS NEEDS TO BE RESOLVED IMMEDIATELY AND THIS IS MY LAST ATTEMPT BEFORE PURSUING LEGAL ACTION. I HAVE NEVER BEEN LATE ON ANY OF MY FEDERAL STUDEN LOANS. I CONSOLIDATED ALL OF MY LOANS ON XX/XX/2018 ( ATTACHED IS PROOF FROM MY CURRENT SERVICER ; XXXX XXXX XXXX. THE FEDERAL STUDENT LOANS THAT I CONSOLIDATED ACCRUED SEVERAL LATE PAYMENTS AND DEROGATORY REMARKS. HOW CAN THIS BE IF THEY WERE CONSOLIDATED AND THE BALANCES WERE REDUCED TO ZERO? I HAVE CALLED THE US DEPT OF ED, XXXX OR XX/XX/XXXXXXXX, PERKINS LOANS, AND THEY HAVE NOT FIXED THE ISSUE. IT IS THE CREDIT BUREAUS OBLIGATION TO REPORT ACCURATE INFORMATION. THIS IS NOT ACCURATE.

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