vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I signed up for the XXXX XXXX XXXX ( Mastercard ) managed by First Bankcard of Omaha, NE. The card was advertised as having an annual membership fee of {$20.00}. However, I was charged an additional {$50.00} fee described as for the " Rewards Program '' that was not disclosed in the ad offer. If I had known there was an additional {$50.00} fee, I would not have signed up for this 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 monetary relief
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
I owed a debt to XXXX due to a charge that was fraudulent. There was much back and forth between XXXX and myself however they did not side with me in this dispute and sent my account to collections, I paid the collection agency and all was resolved. I heard nothing for many months and I just received and email from Convergent Outsourcing stating that I owe the full amount and that Im obligated to pay 50 % at a sum of {$130.00} instead of the full {$260.00}. I have already paid off this debt and can assure that nothing is owed, however Im still receiving emails but no response from the company to show proof of debt.

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 2020-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
On XX/XX/XXXX we received a demand for payment of a medical debt in the amount of {$1100.00} from Credit Bureau Systems Inc., XXXX XXXX XXXX XXXX KY XXXX. ( Hereafter CBS ) Copy of letter attached below. 
On XX/XX/XXXX we received a second demand for payment of a medical in the amount of {$1200.00} from the same company. Copy of letter attached below. 
On XX/XX/XXXX we responded with a letter of demand for verification of debt and authority to collect the debt per FDCPA guidelines. Copy of letter attached below. No proof of debt or authority to collect it was ever provided. 
On XX/XX/XXXX we received another letter of demand from CBS in the amount of {$1200.00} with notification that all credit reporting agencies had been notified.Copy of letter attached below. 
On XX/XX/XXXX we responded with another demand for verification which was never received. Copy of letter attached below. Many additional requests have been made to remove the collection notice from our credit record.The claim is listed as disputed on our credit report but CBS has refused to remove it to this day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I owed a debt to PayPal due to a charge that was fraudulent. There was much back and forth between paypal and myself however they did not side with me in this dispute and sent my account to collections, I paid the collection agency and all was resolved. I heard nothing for many months and I just received and email from XXXX XXXX   stating that I owe the full amount and that Im obligated to pay 50 % at a sum of {$130.00} instead of the full {$260.00}. I have already paid off this debt and can assure that nothing is owed, however Im still receiving emails but no response from the company to show proof of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO 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 2020-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MN

Complaint narrative:
The company is reporting as new debit and not reporting it to the credit agency as continued date the account was originally opened in XXXX with XXXX XXXX and they are reporting this as current date as of XXXX. I have called and they admitted that the the original date of the debit is XXXX and its not on the end its the credit agency. I have called both them and XXXX  to get this resolved and keep getting anywhere> This is fraud and what they doing is illegal under the guidelines of the fair credit act, they can not change dates and names of the debit owned. Also the amount is wrong 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 2020-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 THIS  COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, Suntrust did an escrow analysis for XXXX projected year and failed to include the monthly escrow to be paid for XX/XX/XXXX. The payment was not due until XX/XX/XXXX and was timely paid in full. Defying logic, Suntrust showed  actual escrow payment for XXXX XXXX as {$0.00} but included XXXX XXXX escrow as {$660.00} ( as estimated ). So, they do estimate XXXX even though not yet due when the analysis is performed, but they estimate XXXX will get paid? The result is to project a starting actual escrow balance for XX/XX/XXXX which is {$660.00} below what the actual escrow will be. In effect, they only included 11 escrow payments in the analysis. The result is a {$320.00} escrow projected shortage ( below 1/6 annual total escrow ). In reality, the escrow they will collect will cause an overage of more than {$300.00} above the minimum required escrow. 

On XXXX XXXX, XXXX - after XXXX payment was made including {$660.00} to escrow - I spoke to a Customer Service Rep who tried to dismiss the escrow as just an estimate and that it won't affect my payment. False. Eventually, they agreed to have the analysis re-performed. I spoke again to the not helpful Customer Service department and they said the XX/XX/XXXX analysis was done correctly and that it doesn't matter that I made XXXX payment and escrow. They could not explain why the estimated XXXX escrow would be made and could not take into account that XXXX was actually paid. This is also a change in practice to how they estimated escrows in XXXX. 

It seems Suntrust is trying to systematically miscalculate escrows to hold excessive balances in violation of applicable law. Please investigate the above concern for both my account and for all accounts similarly situated.

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 2020-02-08 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD BANK US/TARGET CREDIT. HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NO MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: FL

Complaint narrative:
I recently received a mortgage financed by your company. I also just received notice that my loan has been transferred. 
I am trying to have my escrow account for property taxes adjusted. I am exempt form property taxes because of my veteran status. I am trying to have my monthly payments reflect the new escrow amount. 
My current monthly payment is {$1700.00}. With the adjustment for property taxes my monthly payment will be approximately {$1600.00}. When I tried to make a payment by phone today I wanted to pay {$1600.00}. However, since there are no documentation currently that reflects my tax payments I was told that I need to pay {$1700.00}. 
I have submitted the required paperwork proving my exemption status twice. I believe in the process of the loan being transferred my documentation has not been received. I have also called several times to have this situation taken care of but, receive a different answer every time. 
I want to make my payment on time however, I only want to pay the amount that reflects what my tax escrow account due. I am asking your assistance with my position in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: U.S. BANCORP
State: MD

Complaint narrative:
I have asked US Bank to generate a payoff statement for a judgment they filed in XXXX on a credit card with the number XXXX XXXX XXXX XXXX. 

I have been trying for many weeks to complete the sale of two properties. The title company has been forced to delay the closing over and over because US Bank will not respond to repeated requests for the payoff statement ( that they need to add to the closing statement ). 

The title company is telling me that the buyer ( who has been very patient during all these delays ) does not want to continue extending the closing every two weeks and may cancel the contract rather than extend the sale date again. 

So I may lose the buyer that I have for the two properties. That poses a dire hardship for me. I asked the tenants in both properties to vacate in XXXX so the properties could be sold in XXXX. Because US Bank will not send the payoff statement to the title company, I have been forced to pay all expenses for these properties ( mortgage, condo dues, real estate taxes, utilities month by month while waiting for the bank to generate the statement. 

The matter is extremely simple : This credit card debt was included in a Chapter XXXX case filed XX/XX/XXXX. The debt was included in Schedule F ( the pot of money to be shared among the unsecured debtors ). 

The plan specified that I was to pay US Bank 24 quarterly payments of {$43.00} each. However, only 10 payments were made back in XXXX and XXXX. I think the bank is owed an additional 14 payments totaling {$600.00}. I am wanting US Bank to send the payoff amount to the title company so I can close on these properties this month. 

My bankruptcy attorney XXXX XXXX sent the Chapter XXXX plan to management staff in the bankruptcy division at US Bank. He included the Schedule F listing US Bank as an unsecured creditor. He also sent the coupon signed by US Bank in early XXXX indicating that the bank would agree accept its share of the " pot of money '' to be shared by unsecured creditors. 

I have to make some decisions about what to do with the properties if US Bank decides NOT to acknowledge the Chapter XXXX nor the coupon. I have had many, many conversations with bank staff but can not obtain a payoff statement. 

Please reach out to the legal counsel at US Bank and ask an attorney there to help on this matter. 

I also need guidance on how to get some reimbursement.for my losses. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In its response to my previous complaint to CFPB, Chase said " there are instances when we will still need to speak with you '' referring to the fact that Chase requires a customer to communicate via the use of vocal chords in order to receive certain services from Chase that Chase offers to the general public. 

Chase terms and condition is the service do not mention that there is a requirement for consumers to be able to communicate with Chase via the use of telephone in order to receive the service that Chase advertises. I would like to know which services going forward Chase will not be able to provide to me due to the fact that I am not communicating with Chase via the use of a telephone. 

Chase needs to explicitly inform consumers about the requirements that it has for consumer 's ability to communicate with Chase representatives. Specifically Chase needs to specify in its terms of service the modes of communication that Chase requires its customers to have ability to participate in, the length of time for which Chase expects its customers to have the ability to maintain a continuous communication session with Chase representatives, and the requirements for pauses that a customer is allowed to have during any communication sessions with Chase representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My identity was stolen and a fraudulent loan from XXXX XXXX was opened in my name. I disputed this info with equifac and they did not remove the item, they did not even notify me of the results of the investigation. I provided them with proof and documents that the item was fraudulent but they did not abide by fcra laws. I demand this item be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had originally applied for a Capital One SavorOne card, and saw that there was a XXXX dollar signup bonus after spending XXXX dollars in 3 months. I applied and got approved for the card. After calling CapitalOne after not seeing the bonus in my account, I was bounced around to different representatives until one said that he would file a case on my behalf for it, and that he would take care of getting me the bonus. That representative said that he would add the offer to my account. I got a call back about a week later from someone at CapitalOne who told me that when I accepted the offer for my SavorOne, it did not include the signup bonus, because apparently I was rejected for the signup bonus. I don't understand this because I got APPROVED for the SavorOne card, but apparently not for the signup bonus that was specified. I'm pretty upset at this, because CapitalOne advertised the signup bonus, but then skimped me out of it. I think this is pretty dishonest on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: FL

Complaint narrative:
I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE.THESES ACCOUNTS HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT. MY CREDIT HAS BEEN DAMAGED DUE TO THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

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 2020-02-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have an ITIN and when get a report they inform to me that DESEACED or unverificable application information

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 2020-02-08 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: NC

Complaint narrative:
I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited {$3500.00} in Cashiers Checks written on XXXX today, XX/XX/20 and 20 % of should be available but it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NH

Complaint narrative:
Specialized Loan Servicing accepts my electronic payment every month with the additional funds I send to be applied to princ. and they continue to instead take the extra funds and advance my next due payment date. This is in direct violation of the loan note, which says that payments will be applied in the following way : first interest due, then any fees/late payments due, then the balance to principal. Since XXXX of 2019, I have had to call every month to have them go in and reverse the " extra payment that advanced my next due date '' and appropriately put the extra funds to principal. Each month the associate that answers tells me there is no supervisor on staff to help me and she can only forward my name to a supervisor and I'll get a call back. I have not had a single call back from a supervisor to discuss this problem. That's five calls, five requests over five months, and not one return call from anyone. I went on line in XXXX and asked for a call via the on line chat and got nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-02-08 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:
I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE.THESES ACCOUNTS HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT. MY CREDIT HAS BEEN DAMAGED DUE TO THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE.THESES ACCOUNTS HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT. MY CREDIT HAS BEEN DAMAGED DUE TO THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

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 2020-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
This is a regards to me trying to do a short sale on my home I have a buyer ready to purchase, I have a real estate realtor, but Mr. Cooper refuse to look at the contract I go back to court on XX/XX/2020 which will be my law day. I checked with XXXX and they advised me to file a complaint as to why Mr. COOPER would block me from doing a short sale.

Company response to consumer: Closed with explanation