vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Late XXXX, my wealth manager discussed a better credit card for me. I signed an application. Sometime in XXXX, the bank sent a card to me. As I am out of the country often, my mailing address is a PO Box that is checked every week by my CPA, XXXX XXXX. No one from the bank called me to tell me that the card application was approved. No one from the bank called me to tell me that they were sending a card to me. The bank sent the card to the wrong address. I never received the card. Then the bank sent statements to the wrong address. I never received the statements. The only charge on the card was a charge for opening the card. A charge I was never informed was made and was due. As a result the balance became past due. When I discovered the banks mistake. The bank immediately corrected the mailing address, sent a new card and reversed the late charges. I have contacted the bank, and while they admit that they sent the card and statements to the wrong address, they refuse to reverse the negative reporting. This was not my fault, but was the fault of Bank of America, as such I should not be penalized with a derogatory statement on my credit report. I have several accounts with Bank of America totally almost {$2.00} XXXX  in debt. My payment history is STELLAR. It is LUDICROUS that I would have failed to make a $ XXXX monthly payment on a {$95.00} balance for a card charge.

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 2019-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: OR

Complaint narrative:
Midwest Recovery Systems reported on XX/XX/XXXX a collection on my XXXX  credit report for {$530.00}. When I contacted the number listed, they say the original creditor was XXXX XXXX and the debt is related to a XXXX payday loan. I was never notified of this debt, and when I requested detail on the specific debt, they were unable to provide it and referred me to a company with a disconnected number. I called the company XXXX XXXX that they say was the original creditor, and the company confirmed I never had any unpaid loans from them. I have disputed this charge with XXXX and am waiting on resolution to get it removed from my credit report. I do not understand how a company can just add a collection on a consumer 's credit report without any support or prior notice to the consumer. The credit bureaus need to address this issue, it has impacting a large number of consumers, judging by the number of complaints about this company and others like it on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This isn't my account.

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 2019-11-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RCS Recovery Services, LLC
State: VA

Complaint narrative:
Hi Im currently in litigation with RCS Recovery Services for a second mortgage for a home foreclosure. The primary mortgage is responsible for paying the second and is refusing to even acknowledge it exists or that the first, XXXX XXXX, received an overage on the note due to them. RCS will never get a dime from me. They are liars and are harassing me for money that is actually owed from XXXX who took the property. Banks not paying each other is not my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am Bank of America 's travel reward card holder. Despite of several phone calls, the Bank is not providing the details to check daily exchange rate for USD to XXXX rupee for travel card. I know it changes daily however it must be available to the customer before swiping the credit 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 non-monetary relief
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX reported on XX/XX/XXXX a collection on my XXXX  credit report for {$530.00}. When I contacted the number listed, they say the original creditor was Cashnet USA and the debt is related to a XXXX payday loan. I was never notified of this debt, and when I requested detail on the specific debt, they were unable to provide it and referred me to a company with a disconnected number. I called the company Cashnet USA that they say was the original creditor, and the company confirmed I never had any unpaid loans from them. I have disputed this charge with XXXX  and am waiting on resolution to get it removed from my credit report. I do not understand how a company can just add a collection on a consumer 's credit report without any support or prior notice to the consumer. The credit bureaus need to address this issue, it has impacting a large number of consumers, judging by the number of complaints about this company and others like it on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Hi Im currently in litigation with XXXX XXXX XXXX for a second mortgage for a home foreclosure. The primary mortgage is responsible for paying the second and is refusing to even acknowledge it exists or that the first, Ocwen Mortgage, received an overage on the note due to them. XXXX will never get a dime from me. They are liars and are harassing me for money that is actually owed from Ocwen who took the property. Banks not paying each other is not my problem.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: CA

Complaint narrative:
Late XXXX, my wealth manager discussed a better credit card for me. I signed an application. Sometime in XXXX, the bank sent a card to me. As I am out of the country often, my mailing address is a PO Box that is checked every week by my CPA, XXXX XXXX. No one from the bank called me to tell me that the card application was approved. No one from the bank called me to tell me that they were sending a card to me. The bank sent the card to the wrong address. I never received the card. Then the bank sent statements to the wrong address. I never received the statements. The only charge on the card was a charge for opening the card. A charge I was never informed was made and was due. As a result the balance became past due. When I discovered the banks mistake. The bank immediately corrected the mailing address, sent a new card and reversed the late charges. I have contacted the bank, and while they admit that they sent the card and statements to the wrong address, they refuse to reverse the negative reporting. This was not my fault, but was the fault of XXXX XXXX XXXX, as such I should not be penalized with a derogatory statement on my credit report. I have several accounts with XXXX  XXXX XXXX totally almost {$2.00} XXXX  in debt. My payment history is STELLAR. It is LUDICROUS that I would have failed to make a $ XXXX  monthly payment on a {$95.00} balance for a card charge.

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 2019-11-16 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:
Late XXXX, my wealth manager discussed a better credit card for me. I signed an application. Sometime in XXXX, the bank sent a card to me. As I am out of the country often, my mailing address is a PO Box that is checked every week by my CPA, XXXX XXXX. No one from the bank called me to tell me that the card application was approved. No one from the bank called me to tell me that they were sending a card to me. The bank sent the card to the wrong address. I never received the card. Then the bank sent statements to the wrong address. I never received the statements. The only charge on the card was a charge for opening the card. A charge I was never informed was made and was due. As a result the balance became past due. When I discovered the banks mistake. The bank immediately corrected the mailing address, sent a new card and reversed the late charges. I have contacted the bank, and while they admit that they sent the card and statements to the wrong address, they refuse to reverse the negative reporting. This was not my fault, but was the fault of XXXX XXXX XXXX, as such I should not be penalized with a derogatory statement on my credit report. I have several accounts with XXXX  XXXX XXXX totally almost {$2.00} XXXX in debt. My payment history is STELLAR. It is LUDICROUS that I would have failed to make a $ XXXX  monthly payment on a {$95.00} balance for a card charge.

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 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These aren't my accounts. I am trying to refinance my home for a favorable rate and it's destroying my credit scores.

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 2019-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I applied for a card from Chase bank on XXXX XXXX. I received an immediate approval and received the card in the mail 1 week later. Within that week, I also applied for other credit accounts. On XX/XX/XXXX ( just a few days after receiving the card and never having used it ) I was informed that the account was being closed because I applied for multiple OTHER cards. 

As a result of the account being closed I suffered the damage of having my credit score dropping due to the account being closed. 

I want this injury reversed by having the closed account removed from my credit report so that it does not continue to negatively effect my score in to the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: TN

Complaint narrative:
This is for services Freedom Debt Relief ( FDR ) offered but was misleading there were added fees which was not mentioned. That I had Initially asked about before agreeing to use their services and I was told there would only be a monthly service fee that would cover all of there service fees spreading it out over a few years and the dedicated they offered through XXXX XXXX XXXX ( XXXX ) would be to pay creditors. I had FDR program from XX/XX/2019 and was cancelled XX/XX/2019 I made deposits totaling {$1000.00} to a dedicated account. The dedicated account which I was told my money would stay to cover creditors settlements and I would have access to withdraw or deposit money but I wasnt able to do that because its controlled by FDR. I called XXXX to reverse the fees but they said only FDR could do so. FDR Only sent {$20.00} to the creditors which should have been paid off with the {$1000.00} I sent them on two different accounts. They only refunded me {$34.00} back to my checking account and apologized for the misleading information. I would like to join in a consumer lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
I had a bad debt show up on my credit report for {$2500.00} from a company 'Jefferson Capital Systems , LLC '. I did not recognize this company or recall owing a debt for this amount. I tried calling the company at the number listed on my credit report in XXXX of this year. I spoke with a representative in another country who was asking for my social security number. They told me that they bought the debt from a wireless cell phone provider. I refused to give them my social security number and asked to speak with a manager or someone that I could better communicate with due to the language barrier. The representative hung up on me. I do not owe this company money and I am unable to get this matter resolved or removed from my credit report. I am also getting letters from other third party company 's stating they own this same wireless cellular debt with different amounts due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These aren't my accounts. I am trying to refinance my home for a favorable rate and it's destroying my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MS

Complaint narrative:
First, let me give background. I am unsure of the debt and why there is an attempt to collect. I previously received information from XXXX XXXX XXXX, who provided the attached letter about the inability to validate.

I want the initial communication from ERC, required under 809 ( a ) of the Fair Debt Collection Practices Act, to dispute the debt and request validation of this supposed, as a previous collection agency tried to do so and had to send that letter. Under 809 ( a ) ( 3 ) of the act, I know that the 30 days starts upon receipt of notification to dispute, not from whatever day ERC claims to have mailed it. I have not received the information, regardless of when it was mailed out, and it is on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Dynamic Recovery Solutions, LLC
State: NJ

Complaint narrative:
Dynamic Recovery Solutions this is the 2nd bill I got from 2011. I made a deal with them for the first one I was on the phone with these people and she never once said I had another medical bill from 2011. I have been on disibility for 9ansd half years and this is the first time getting these bills. I was never informed of dispirited or never received a letter from them this crazy. Iam XXXX I dont care who lives in the XXXX White House he pushing my buttons and XXXX XXXX is too. If u cant help me send me to someone that can. Also I just made my first payment last week and that is it I will be asking them to remove my debit card. Then she threw in that its going on my credit report as a paid not in full 7 years I thought that was the rule I guess XXXXXXXX XXXX XXXX the XXXX its different in America. These bills are way over 7 years if I have to wait 10 I will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I HAVE 2 LOANS WITH ALLY FINANCIAL. THEY PUT IN LOANS WITH RATES HIGH, AND TERMS WERE NOT DSCLOSED TO ME CLEARLY. THEY PREASURED ME IN TO BYING A SECOND CAR. 

I RECENTLY GOT BE HIND ON BOTH LOANS DUE TO A COURT BADLE ON MY CURRENT JOB AND HARRASMENT. 

THE INCOME PROVIDED WAS NOT ENOUGH FOR THE LOANS TO BE MADE TO MAKE THE PAYMENTS YET THE DEALER AND LENDER PUT ME IN THE LOANS KNOWLING KNOWING MY SITUATION AND OVER PRICING THE VEHICLES AND SOWING THEY GAVE ME HIGHER AMOUNT ON MY TRADE IN.

I GOT 4 PAYMENTS BEHIND ON MY VAN PAYMENT ABOUT {$400.00} A MONTH, CURRENT BALANCEAST DUE IS {$1600.00} AND BORROWED 3 PAYMENTS IN AMUNT OF {$1200.00} FROM MY BEST FRIEND, LEAVING 1 PAYMENT ON MY XXXX  XXXX XXXX. 

THEY SAID THEY ARE STILL REPOING MY VAN WITH 1 PAYMENT DUE. WHICH IS ONLY DUE NOW AND NOTLATE.

I FEEL THEY ARE DISCRIMIATING ON ME AS A SIGLE XXXX  MOTHER OF 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 2019-11-16 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
On XX/XX/2019 I sent a certified letter with return receipt requesting proof of debt to resurgent capital services working on behalf of LVNV Funding LLC. In that letter it requests original contract that I signed. The company responded with just the debt amount supposedly owed ( {$1100.00} ). I sent a second letter XX/XX/2019 demanding them to remove this off my credit report according to the FTC law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: DISCOVER BANK
State: TX

Complaint narrative:
This complaint is about charges made to Discover credit card no. ending in XXXX. InXX/XX/XXXX my wife and I changed banks from which our credit card bills were debited- from XXXX  XXXX XXXX to XXXX XXXX . Discover was notified on their website of this change and also a change to Discover credit card no. ending in XXXX. Discover made the change on XXXX but tried to debit {$3000.00} from XXXX  XXXX XXXX for XXXX from which we had reduced funds that would have covered that amount. We added funds back to XXXX to cover the amount. Discover then debited {$3000.00} from both bank accounts for the same month. Discover subsequently credited one of the charges. But, on XXXX Discover made a charge on XXXX for " ACH Funds Transfer Reversal '' of {$3000.00}. After examining the bill for XX/XX/XXXX to XX/XX/XXXX and finding this charge, I called Discover on XX/XX/XXXX. The Discover associate acknowledged that an error had been made and we would have that amount credited back to our XXXX XX/XX/XXXX account. No credit occurred. On XXXX XXXX I called Discover again to ask about the credit and was told it would be credited. No credit occurred again. On XX/XX/XXXX, I called Discover again and was told that the above amount had been sent to our account at XXXX on XXXX XXXX. Contact with the bank showed no deposits had been made for that amount to any of their checking accounts. Discover so far has refused to credit the {$3000.00} that we are owed. We need help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: VA

Complaint narrative:
I tried to work with the credit card company Discover, but they wouldn't work with me on what I could afford due to not working while fighting XXXX, now they call me from some bogus phone number and want me to call them, they call me every single day at least once sometimes several times. I've told them that my situation hasn't changed and that as soon as I can do something to begin payments I will contact them but they are still calling every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
They are threatening me that I have to pay XXXX dollars that I do not owe for rent of an apartment that I do not rent and I also went to investigate at the address of XXXX  apartments and that company does not exist attached photos of the business there is called renew.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16 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: Porania, LLC
State: GA

Complaint narrative:
I have a Bankruptcy on my credit report an it has been discharged for over 5 years. I am a XXXX veteran and a single mother of XXXX wonderful and intelligent children ( one in college ) with no financial assistance from anyone. I am asking that you please remove this from my credit report. I have attached a copy of my discharge information to this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation