vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
On XX/XX/XXXX we paid our mortgage loan in full with Associated Bank. Since then, we have received several pieces of correspondence in the mail confirming this, as well as a letter confirming the amount that had been escrowed for insurance and taxes which we would receive via check. Since over a month had passed and we had not yet received the check and taxes are due at the end of the month, I called their customer service on XX/XX/XXXX. The representative said that a check had been issued, though he was not clear on the date, he provided two different dates. Concerning, since we had received all mailed correspondence up to this point. Even though we have had no issues with our mail, I provided our new mailing address and he indicated the check would be reissued. Still having not received the check yet today, XX/XX/XXXX, I called again with concern for having the funds to pay our taxes on time. This time the representative informed me that we needed to sign a stop payment affidavit in order to have the check reissued. Trying to do what I could to resolve this issue, I got in my car and drove to the local branch only to find it closed. I called back again, and was then notified that only in-grocery-store branches were open today, none being within 40 miles of us. I then asked to speak with a manager who could only reiterate that the check had not been reissued and we had to go to a branch to sign a stop payment. We continue to follow up and try to be proactive, only to be misled. We have had no issue with our mail, so its interesting that the only thing we dont receive is this check. They have made no attempt to rectify the issue, and feel no urgency in handling the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX sent my account of XXXX dollars to collections after my payment did not process correctly in their system. Called and got the payment to post to their system and was told they would not send it to collections. 30-45 days later I got a letter stating Central States recovery Phone # ( XXXX ) XXXX was now collecting on their behalf XX/XX/XXXX. Wasnt until this year I called central states recovery on XX/XX/XXXX to settle the original amount for XXXX dollars. No response so I called again XX/XX/XXXX and was told XXXX  XXXX XXXX was unresponsive in my attempt to settle the debt. Today as of XX/XX/XXXX I have not received any further communication. Over 30 days from when I attempted to settle the debt. If XXXX XXXX XXXX is unresponsive to my attempts to settle the debt the debt needs to be removed from my record. Was told I would be receiving a call in a couple days both times and have had no further communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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 am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. SOMEONE GOT A CAR USING MY PERSONAL INFORMATION. HOW CAN THAT BE POSSIBLE? My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 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 am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. SOMEONE GOT A CAR USING MY PERSONAL INFORMATION. HOW CAN THAT BE POSSIBLE? My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.

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 2020-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. PLEASE PURGED ALL THE DISPUTED ACCOUNTS OFF MY CREDIT FILE, IT HAS CAUSED DAMAGE AND I WANT TO PREVENT IT FROM FURTHER DAMGE TO MY CREDIT.

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 2020-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Rapid Auto Loans LLC
State: FL

Complaint narrative:
I wish to complain concerning the loan practices and repossession of my XXXX XXXX XXXX ( VALUE {$12000.00} ) by the above referenced company. 
In XX/XX/XXXX I took a {$4000.00} loan from Rapid Auto Loans. Within the first 60 days of taking the loan a forced place insurance was added making the payment go from XXXX a month to {$550.00}. In XX/XX/XXXX I went into the office in XXXX and demanded the insurance be dropped from the loan seeing I had been insured by XXXX XXXX Insurance for 30 years. ( XXXX XXXX made them additionally insured ) The secretary mentioned she would remove the insurance once the loan was paid up to which I did. Several months passed with me making approximately {$3600.00} of the loan. I had contacted Rapid on several occasions showing them my insurance and demanding they remove the front-loaded costs to the loan. Rapid Auto ignored my requests. 
In XX/XX/XXXX my XXXXyear-old father was in a car accident and I flew to Rhode Island on an emergency basis leaving my truck at my office. The vehicle was repossessed by Rapid AL stating then stating the balance with all costs was {$5200.00}. I did not have the money and I offered {$2500.00} cash then and {$2700.00}. with-in 60 days, Rapid AL refused the deal and auctioned my vehicle off. Rapid Auto Loan never removed the charges for insurance even thou they knew from day one the vehicle was insured. I believe this is a practice to illegally take vehicles from financially challenged individuals. I believe the practice also violates the statues and would like your agency to render an opinion on their practices. I can no longer obtain any information from this company as my loan was pulled from the internet. I can provide payments from my debit card. The ledger is with Rapid Auto Loan whose have been very discourteous toward complainant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Wells Fargo credit card bill due date is XX/XX/2020 XXXX ( bank providing our checking/saving accounts ) remitted payment on XX/XX/2020 to arrive by XX/XX/2020. 
Wells Fargo claims payment not received until XX/XX/2020 and charged late payment fee of {$38.00}. 
Call placed with Wells Fargo on XX/XX/2020 to dispute late payment fee, as payment should have been received on time. Wells Fargo refused to refund fee, and was escalated to manager who also refused to take this action.

We question when this payment was actually received, and whether delay in processing on behalf of Wells Fargo contributed to late payment. Furthermore, we find it hard to believe that it would take longer than 6 business days for delivery of payment between XXXX and Wells Fargo. We believe this is a tactic on behalf of Wells Fargo to encourage consumers to leverage their own bill pay services instead. This was evidenced by the fact that Wells Fargo manager encouraged use of their own services, and advised that bill should be paid in advance of due date instead. 
To date, we have leveraged bill pay services with XXXX for over 15 years and this is the first instance of a payment not arriving on time. We find this hard to believe, and suspect that the issue is with Wells Fargo and their poor business practices.

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 2020-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Freedom mortgage has violated RESPA, due to The fact that they were still working on a Modification on my VA loan. Apparently on XXXX the XXXX at XXXX XXXX. I have complied with all request of all documents necessary to continue the modification if anything they lose paperwork paperwork doesn't get Uploaded nothing can be done by anyone you don't know who to speak to ever there's no communication as to what's going on on the loan it's always it's there being worked on what's being worked on is my question definitive answers I never get is like I'm just sit there waiting to be thrown out of my home because of their lack of communication and because of the incompetence of getting documents to the underwriter who nobody can never speak toTheir attorney place my home are in option on XX/XX/XXXX at XXXX XXXX. This is in violation Restaurant because a service or can not place my home in a pro closer status when there is still no commitment no resolution on the modification I was told to send paperwork on the XXXX and it was due in XXXX and I did I have confirmation that both those were received at freedom mortgage corporation at their loss mitigation department. 
And today I received a letter and I will attach it that they placed this in a pro closure position on to proceed with the upper closure on my property on XX/XX/XXXX. 

Freedom mortgage has never been transparent with me has never given me reasons why I was declined they will not re view any types of alternatives or have they offered me a trial payment. On my mortgage. 

From the inception of this which was in XXXX of XXXX they have been telling me that it is being modified which was not true they were not doing anything other than let me get more and more behind on this mortgage I offered them payments in XXXX of XXXX they told me not to worry that it would be placed at the end of the loan that was not true. 

I believe that freedom mortgage has been just letting my long go until I got into a position Of bean for close just like all the other people that were hurt by XXXX  XXXX XXXX and all these people lost their homes because nobody was working on a modification there was just let him slide there is no communication with freedom mortgage nobody ever knows what's going on all they ever tell you is not to worry will now I worry because now I'm getting paperwork I don't have any place to go they have not completed my modification so now what I am serious this company needs to be investigated on this Matter.

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 2020-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I contacted I C System on XX/XX/2020 to request a debt verification letter and was informed they could not give me one because the said account with a balance of {$3700.00} was in a " Recall Status '' as the original creditor, XXXX XXXX XXXX ( XXXX ) has recalled the account. So I asked why it was on my credit report as being owned by I C Systems and reported to XXXX XXXX on XX/XX/XXXX, if I C systems can not even take a payment from me? I was told to contact XXXX. 

I contacted XXXX immediately on XX/XX/2020 as well to request a debt verification letter and I was told I could not get one unless they receive an attorney letter on my behalf because their system has changed. So I asked how I could confirm and make payments towards the account and I was told that I could only get verbal confirmation now and even after the account has been paid in full I can only get verbal confirmation and nothing in writing, but the can take payments and send me email receipts of payments made but nothing written on outstanding and remaining balance even after payment has been made. Getting an attorney is an added burden and I am trying to resolve outstanding old debts not get into new ones.

This does not make sense. First of all, how can I make payment without getting a debt verification letter which I believe I am entitled to get. How can I pay the account in full without getting a letter that states the account will be reported as paid in full if the outstanding balance. Also, how can I pay the account in full and not be able to get a letter of confirmation that the account has been paid in full. Finally, how can I C System be reporting a debt that they can not legally take payments for. 

Doesn't a customer have the right to receive a debt verification letter before making payments without hiring an attorney? Doesn't a customer have a right to know who has the legal right to collect a debt and doesn't a customer have the right to a written agreement that a debt will be reported has paid in full after all payments have been made? 

The conversations with both companies were recorded by both parties and both parties were informed that the conversations were being recorded. 

Thank you.

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 2020-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
* XX/XX/XXXX. A levy was placed on my bank account. Account wiped clean * called debt collector provided by bank personnel, told debt collector this was not my debt and I mistakenly gave the debt collector my information to them ( it was the only way for them to talk to me ).

* since then I have been receiving phones calls, court papers trying to collect a debt that is not mine.

* debt collector has been called to try and dispute but they refuse to talk, unless they are receiving a payment. * XX/XX/XXXX another levy had been placed on my new bank account and the phone calls keep coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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:
Once you've successfully filed your credit dispute, you should expect the following to happen : 1.  Confirmation Code You'll receive a 10-digit confirmation code for future reference. You may check your status anytime within your XXXX  account. 

2. Investigating Your Dispute When reviewing your dispute, if we are able to make changes to your credit report based on the information you provided, we will do so. Otherwise, we contact the reporting company to verify the accuracy of the information youre disputing. 

3. Results in 30 Days Within 30 days of your dispute request, we will notify you of the results of our dispute investigation. 

From XXXX page themselves but all my disputes take more than 45 days in most cases

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 2020-01-20 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: TX

Complaint narrative:
Once you've successfully filed your credit dispute, you should expect the following to happen : 1. Confirmation Code You'll receive a 10-digit confirmation code for future reference. You may check your status anytime within your myEquifax account.

2. Investigating Your Dispute When reviewing your dispute, if we are able to make changes to your credit report based on the information you provided, we will do so. Otherwise, we contact the reporting company to verify the accuracy of the information youre disputing.

3. Results in 30 Days Within 30 days of your dispute request, we will notify you of the results of our dispute investigation. 

From EQUIFAX page themselves but all my disputes take more than 45 days in most cases

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: CA

Complaint narrative:
I had XXXX  credits cards with chase bank. They were in good standing. I received a letter from Chase that they were closing the account because they no longer do business with non-US government officials, their families or close associates. I am a US citizen, not affiliated with a foreign government. I have a friend who is and is also a US citizen. I handled his finances in the US for him and his wife. We had a joint checking account. This account was also closed. When I called chase I was told they do not have to have a reason for closing an account. Yet, they gave me a reason and it is pretty much based on the fact that I know someone who lives abroad and is a civil servant in that country. That is unacceptable and a violation of my right to associate with US citizens regardless of where they live and what work they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
I applied for a First Midwest Easy checking account on XX/XX/XXXX. I signed up under an ongoing {$250.00} promotional offer as well at this time. 

The requirements to satisfy in order to receive the {$250.00} promotional bonus amount included the following : - Open checking account with {$100.00} minimum deposit by close of business on XX/XX/XXXX - Make deposits totaling {$2500.00} or more within 60 days of account opening - Make 10 debit card transactions within 60 days of account opening - Enroll in mobile banking and e-statements within 60 days of account opening I successfully met all of the above requirements XX/XX/XXXX, as that is the date where I had {$2500.00} of cumulative deposits completed. I completed the 10 debit card transactions and enrollments prior to XX/XX/XXXX. 

The terms of the promotion further stated that once 'all requirements have been met, {$250.00} bonus will be issued as a credit to the account within 30 calendar days of the transactions being verified, following the 90 day period from opening. ' 90 days from my account opening date was XX/XX/XXXX and 30 days on top of that was XX/XX/XXXX. Both of those dates have passed and I have still not been credited the {$250.00} promotional bonus amount. 

I sent a secure message on XX/XX/XXXX within my online banking account asking for a status update on the {$250.00} being issued to me. I was provided a response by XXXX that she anticipated I would receive this in XX/XX/XXXX. XX/XX/XXXX came and went and no {$250.00} was credited to me so I messaged again on XX/XX/XXXX asking for an update. I was then told by XXXX that 'I was not setup for mobile banking ' and therefore did not qualify for the bonus. This is not correct as I had logged in numerous times into my First Midwest checking account from a mobile phone. Furthermore, I find it deceptive and unfair that this same representative told me to expect the {$250.00} promotional bonus in XX/XX/XXXX, only to tell me a month later after I had to be the one to follow up, that I now do not meet a requirement to earn this promotional bonus. 

First Midwest Bank is now currently saying I am not eligible for this promotion and I find this unacceptable from a customer standpoint. I fulfilled the requirements of the promotion and deserve to receive the {$250.00} bonus amount. This institution should uphold their word and honor the terms of the offer to me. 

To reiterate, as a checking account customer of First Midwest Bank since XX/XX/XXXX, I have fulfilled all of the requirements of the promotional offer that I signed up during, and as of XX/XX/XXXX, I still have not been properly issued my {$250.00} promotional bonus by First Midwest Bank.

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 2020-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I talked to someone on XXXX who was selling explicit photoshoots. They told me to send payment through XXXX, and to make it worse, the account of a friend. I paid the $ and then I never received what I paid for. I was actually blocked. 

I talked to Chase and they said there was nothing they could do.

Company response to consumer: Closed with explanation