vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
A company called professional Finance Co, based out of Colorado has falsely reported that they are collecting a debt in my name in the amount of {$480.00} from XXXX XXXX XXXX. I believe this is a scam created to falsely make people think they owe money and try to scare people into paying. I have never had an account with any XXXX XXXX XXXX, nor ever received any communication from this bank, nor any communication from Professional Finance Co the collection agency regarding this matter, yet they reported this on my created report on XX/XX/2019. I have reached out to the agency in writing regarding the matter but never received anything back, I have filed a dispute with the credit bureaus but they did not correct the matter on my credit report. The CFPB should look into this scam as a quick XXXX search has yielded results where others are being scammed in a similar way as I.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
This card was a unrequested/presumed fraudulent debit card - Reliacard - sent out by USBank, in my name, to my address with a different DOB than mine. 

Cardholder services were contacted - they said they closed the card and recommended that I contact Ohio unemployment services - which I tried SEVERAL TIMES - they were never available, or able to assist with documenting the error/fraud- just overwhelmed by COVID related claims. 

Just concerned that the information was obtained/sent in the first place

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 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: WA

Complaint narrative:
My loan servicing company, The Money Source, after receiving my payments ( and if the payment amount is more or less than my exact amount due ) puts those funds in a " suspense '' account. 

I have had multiple loans serviced by multiple servicing companies in the past and I have never seen this behavior before. Normally, if the payment is less than the payment due then the amount of the payment automatically reduces my amount due by the amount of that payment. Further, normally, if I make a payment in excess of the amount due, the payment is applied to my principal balance. 

Instead, The Money Source puts the funds into a " suspense '' account and the money is applied to neither my payment due nor my principal balance. I believe this should be illegal behavior because essentially The Money Source is putting my money in an interest bearing account of their own ensuring # 1 I am not paying less interest by having my loan balance reduced and/or # 2 My payment amount is not reduced. 

The payments I send to The Money Source are my funds and should be used to reduce the burden of my loan. Not to earn The Money Source interest and benefits above that due to them as the servicer of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I met car sale fraud. I wired money ( XXXXUSD ) from my XXXX account to the fraud 's BOA account. The Bank of America suspect it's a fraud and doesn't apply these funds to the beneficiary. The Bank of America sent message to the XXXX XXXX  and requested XXXX XXXX  to contact me to re-verify the wire instruction. I told XXXX XXXX  that it's a fraud. Both XXXX XXXX and I have attempted to contact the Bank of America to get my money back on several occasions, but have not received a response.

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 2021-01-16 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: FL

Complaint narrative:
A company by the XXXX XXXX XXXX continously contacts me and my family members. The number they left is XXXX. They contacted my cousin and they continuously contact her even though I asked that they not contact me or my family regarding a debt that doesn't exit. The last time I spoke with them, I told them the alleged debt doesn't exist and that I would be happy to go to court to prove same. As a result, I asked them to stop contacting me and my family. I also contacted the company they're alleging I owe, Capital One, and this debt does not exist. It's important to know that I have the audio file of the message they left on my cousin 's voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XXXX XXXX, I spoke with someone from ShellPoint Mortgage and informed them that I was still impacted Covid -19 but I was working on borrowing money to make a offer to settle the account that I have had for 13 years and already paid {$150000.00} on.this loan and I still owe what I originated. 

A young lady was suppose to had called me back on Thursday to find some options if I was able to borrow loan to pay a reduce payment. 

Instead she never called and said their was no more help under the Covid 19 concerns.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I paid off 15 year loan,XXXX I have 146 months never late on payment. 

I have 4 credit cards only 3 have balances. 

I had a score of XXXX, dropped 62 points the day i paid the loan off. 

I filed disputes with all 3 agencys, more than 30 days ago, no response wanted me to pay to see my fico score. 

If I get a loan now it will cost more, something is wrong, with this, and reading online i'm not alone. 

The cards have high balances, but have not changed, have gone down.

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 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/2020 I called US Bank per my rights in Regulation E, I filed a dispute for a company that charged money from my account without my permission. 
It seems that the agent placed a stop payment against the merchant without me requesting the stop payment. 
On XX/XX/2020 I was charge an Analysis Service Fee by US Bank ( invalid charge ), I was checking the US Bank website and there is nothing about Analysis Service Fee. 
On XX/XX/2020 I called US Bank Business Depto about the Analysis Service Charge and I spoke with XXXX, he said that when I filed the dispute a stop payment was placed against the merchant and that is the Analysis Service Charge for. 
I never requested the stop payment and I think is against Regulation E to charge for a dispute process even for any fee related with the dispute process. 
This is the second time that this happens to me with US Bank and the agent mentioned that it will continue happening because if a stop payment is placed on my account in the dispute process the Analysis Fee will be charged the next month post the dispute request and then I have to call and deal with all this situation to get refunded for the fee. 
On XX/XX/2020 I requested the refund and the agent said that I have to wait 1 or 2 business days to get the money back, money that US Bank charged incorrectly for my account. 
Now US Bank is moving my money and using it without paying interest and I am sure that there is a lot of clients having this issues as well.

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 2021-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
End poverty Citibank for HomeDepot will not extend COVID19 relief letter states too many accounts with high balances/ bankruptcy ETC reduced credit score isn't always the case-I still asked for the relief while making payments what I could if not in full but they won't wave the late fees. I am struggling to make payments and do not want to want away from my debt/responsibility. You claim underwater they give add weights we drown. Life is not bankruptcy but a meeting of the minds help customer to stay current with debt payments but it's all based on your creditworthiness. A system designed to further penalize and thus impoverish/ ruin instead of a hand up. I just want to get current they won't wave the late fees claim same reasons for denying any more COVID 19 relief.

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 2021-01-16 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: OH

Complaint narrative:
I was in a mortgage forebearance with XXXX XXXX XXXX XXXX and the forebearance ended XX/XX/XXXX. I started a loan refinance XX/XX/2020 which took the bank 3 months to close and they charged me an extenstion fee as well as now noting on my credit file that I was 5 months past due. My refinance was approved and closed in XXXX with a new loan with the same bank. Now my credit report shows 5 months and over 120 days past due. How can they do that. I have disputed and contacted the bank on their mistake. I was never late on my Mortgage before the cares act forbearance due to the loss of my job due to the XXXX XXXX I worked for didn't want to due all the covid updates and retired. The XXXX XXXX XXXX XXXX suggested to me to do a forbearance per XXXX in collections and told me NOT to make any payments during the forbearance. I paid full month payments on time for XX/XX/2020 and XXXX until the loan closed. I am so frustrated with the mistakes and no positive action from XXXX. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
On XX/XX/2020, RP Funding made an insurance payment to my hazard insurance company in error. RP Funding acknowledged the erroneous payment in a letter dated to me on XX/XX/2020. RP Funding indicated that they were waiting for my hazard insurance company to refund the money. The amount RP Funding paid, without my consent or permission via the mortgage agreement to the hazard policy was {$440.00}. RP Funding subsequently went through and attempted to correct their payment and accounting error by making approximately seventeen ( 17 ) different entries into my mortgage account. 

My mortgage documentation will reflect that the only permitted and authorized insurance payment that is being accrued is for flood insurance, not hazard insurance. 

On XX/XX/2020, RP Funding unilaterally and without any notice of Escrow Account review, unilaterally changed the agreed to escrow contribution from my mortgage payment from {$25.00}, to {$38.00}. The net result of this was an unexpected increase in my principal balance, as well as an increase in my interest payments. 

On XX/XX/2020, I received a notice from RP Funding that they were unilaterally increasing my escrow payment by {$41.00} per month to cover their error in paying the hazard insurance. 

RP Funding took MY escrow and made a payment error. It is my expectation that RP Funding replenishes the payment they made in error, {$440.00} from their own funds to restore my escrow balance to where it should be for my upcoming flood insurance policy payment, the ONLY insurance payment agreed to be made by RP Funding in my mortgage documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
CapitalOne emailed me XX/XX/XXXX that they have not received my XXXX payment, but I checked with my bank XXXX XXXX today, XX/XX/XXXX, and they advised that it was debited from my bank XX/XX/XXXX. Due to the bank not being open on the weekend, it showed as drafted from my bank account XX/XX/XXXX. In XX/XX/XXXX, there was an issue of {$450.00} being drafted from my bank account ; although, the funds weren't there, but they did not return to my account. I remained in the negative. Due to XXXX XXXX security, I am unable to take any screenshots of my online banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
The credit bureau continues to report an inaccurate and unverifiable bankruptcy on my credit. I have attached a letter from XXXX showing they have deleted the bankruptcy. How is the credit bureau verifying this bankruptcy with XXXX when XXXX doesnt have a bankruptcy reporting against me? 

Reporting this bankruptcy is in violation of section 611 ( a ) ( 1 ) ( A ) of the FCRA.

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 2021-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST ADVANTAGE CORPORATION
State: MS

Complaint narrative:
I was charged for a loan that I didnt apply for in the amount of XXXX $ on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Ive been getting phone calls about this debt nonstop asked if they can stop calling the number because I never authorized anything. mailed out letters to me stating an amount that was owed and they sold this debt to a third party and would have to pay. phone calls through out the night or after regular business hours. Very rude

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I have a letter from XXXX XXXX reference # XXXX. Describing how I've been turned down for a pay pal credit account. The BIG problem is I never applied for a pay pal credit account?? This is very alarming as to who is using my personal information and how did they get it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Ive tried telling them this was not mine due to identity theft, I have no knowledge of this or when so when this did appear on my credit report I asked if they can work with me or help me find the right source to remove this off my account. very rude, hung on me. forced me to try and pay a debt that was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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:
There are many accounts on my credit report that I do not recognize nor have I applied for any of them. There are also many addresses in which I have not lived at. Please remove them. 103 Claims true identity fraud/account fraudulently opened.

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 2021-01-16 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:
There are many accounts on my credit report that I do not recognize nor have I applied for any of them. There are also many addresses in which I have not lived at. Please remove them. 103 Claims true identity fraud/account fraudulently opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NJ

Complaint narrative:
We received a higher estimate for taxes than was listed on our tax bill, bringing about an increase of {$600.00} per month in our monthly payments. This was pointed out with documentation and we simply asked on XX/XX/XXXX for someone to review and confirm the correct amount. We have sent several follow up emails since, and when we call loan servicing they put you on hold for a few minutes before asking you to leave a voicemail. No one has returned our calls after at least 3 messages, and we recently got a call only following up on XXXX payment on XX/XX/XXXX ( which we ended up paying at the higher amount on XX/XX/XXXX after waiting to hear back about the tax issue ). On the call on XX/XX/XXXX we mentioned the tax issue, but were told it was still being reviewed and they would mark it as urgent, but no one got back to us still. We are beyond frustrated that it has been almost 2 months without feedback on our issue, and we can't afford the higher amount longterm.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
According to XXXX XXXX XXXX there is a debt under account # : XXXX XXXX for {$350.00} & account : XXXX XXXX for {$2000.00}. These accounts were previously disputed with all 3 credit bureaus, the accounts could not be validated and were removed and deleted from my credit reports. In addition, the original creditor, XXXX XXXX released my medical records to this third-party collection agency ( XXXX XXXX XXXX ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization. 

According to ARS, there is a debt under account # : XXXX XXXX for {$1600.00} & account : XXXX XXXX for {$88.00} These accounts were last disputed on XX/XX/20 with all 3 credit bureaus. ARS responded with a letter ( see attachment ) showing only a balance and service date. ARS failed to validate the debt by providing me with a breakdown of charges, Diagnosis, and or procedure codes for services rendered in addition to my signed XXXX release per my dispute request letter. In addition, the original creditor, XXXXa XXXX released my medical records to this third-party collection agency ( ARS ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization.

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 2021-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Collection agency is reporting collection on my credit report for medical bill from XXXX looks like from XXXX ca. I was not living in XXXX, CA in XXXX 1st time I moved to XXXX was in XXXX, XXXX XXXX.. Prior to that I was living in Wyoming with my family. so my self or my family would not have gotten medical treatment in XXXX, CA. 
1st delinquency date is XX/XX/XXXX. i did not receive any communications from XXXX XXXX XXXX to my address in Wyoming. or after moving to California in XX/XX/XXXX.

Company response to consumer: Closed with explanation