vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have an Amazon Visa card. It is through Chase. Purchases are coded with a number that is not mentioned anywhere on the Amazon site attached to any particular purchase. The only way to have an inkling of an idea of what has been purchased is to check the price on the visa bill against the orders on your Amazon page. On regular credit cards, the item purchased is described as well as the price paid. I find the strategy unreasonable, illogical and rife for abuse as one can not know for sure what the charge on the card is attached to at Amazon. Can the Amazon Visa people be forced to indicate the item purchased and the charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: Receivables Management Partners, LLC
State: IL

Complaint narrative:
The company in question : RMP, holds a debt from XXXX XXXX XXXX  I started sending them letters in XXXX of XXXX, to attempt to settle the debt. Instead of answering the letters I sent, or even trying to work out an arrangement, the put it on my credit reports! I have sent them 4 letters between XX/XX/XXXX and XX/XX/XXXX to try and work out a settlement agreement and get this bill taken care of. The refuse to acknowledge even my letters sent to them! Now my credit IS affected and they refuse to do anything about it! 
Original amount of claim was {$420.00} XXXX  # XXXX my settlement offer which was never acknowledged was {$100.00}. I asked that this be accepted to pay this debt off and have the information REMOVED from my credit files! They have only ignored me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I reported a fraudulent charge and asked for the credit card to be closed, but instead customer service closed my entire account. Now my credit age resetted and credit score dropped 100+ points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I fell behind on my payments in XXXX through XXXX off and on. My loan was transferred from Bank of America to XXXX XXXX XXXX from XX/XX/XXXX for the next 12 months to avoid foreclosure. When I made all the 12 months of payments on time as required, Bank of America ( B of A ) retook my loan. About XXXX, or XX/XX/XXXX, I started getting charges on my account with no explanation. I have logged 10-12 hours of phone calls to B of A requesting explanations, but no one can provide an answer. One particular one is the inspection fees, for a period of 2 years at least, B of A claims that when one falls behind on their payments they send an inspector to check that the property is still occupied. I disputed that fact, because there's no public access to the property and the inspector if he or she actually showed up, they should have reported that information to the bank. I have enclosed a letter and notes as I was taking them down when talking to the various associates and followed their instruction on disputing the charges, but I keep going around in circles. Also on these statements are many petty amounts that no associate can explain. B of A doesn't provide an in person associate to help navigate the many questions a customer has and the call center associates are clueless. I have it a brick wall over and over.

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 2020-10-13 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I reported a fraudulent charge and asked for the credit card to be closed, but instead customer service closed my entire account. Now my credit age resetted and credit score dropped 100+ points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company 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 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PLS GROUP, INC
State: TX

Complaint narrative:
I was in XXXX  when someone gained access to my account. I am a XXXX XXXX veteran XXXX and my direct deposit was going to PLS checking cashing via xpectations card. I was in XXXX  for 8 months and each month my money was withdrew. When i got out and discovered this i complained and made a dispute. Xpectations dispute team said the see no error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I reported a fraudulent charge and asked for the credit card to be closed, but instead customer service closed my entire account. Now my credit age resetted and credit score dropped 100+ points.

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 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I've had my mortgage since XXXX and had been employed with a government agency since XXXX. In XXXX, I had to file a whistleblower complaint and unexpectedly lost my job. I contacted the bank and was offered a forbearance until I could obtain new employment. I made every payment on time and finally was able to locate a new job. However, this income was less than I had been making, I met all the requirements that had been outlined by the bank. When I went to make my final forbearance payment, I was told my loan had been sold to some XXXX number. There were no branches or people I could meet to discuss my options. While this was completely unexpected and unsettling, I tried to work with them and supplied all the information they requested - three times. They stated they couldn't help me and couldn't honor the previous bank 's agreement and put my home in foreclosure. Since COVID hit, they have not been able to enforce this and I will file bankruptcy to save my home, as they have refused to work with me. I have since gotten another job, which put my income back in the range of when I lost my other job but this XXXX number doesn't care. They have been focused on selling my home, they have sent realtors to try and encourage me to sell and have violated all agreements with my previous bank. I only wanted the chance to repay the outstanding amount and was told, " it doesn't matter what you pay us because we're going to foreclose anyway. '' I was told by my original bank I could make payments without interest for the first six -12 months or extend my payments. I did what I was supposed to do on my end and the bank lied to me, misled me and is now trying to take my family 's home and I need help. This should not be legal and it is not OK to take advantage of someone who suddenly fell on hard times. Please help me if you can. Thank you for your time.

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 2020-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion and XXXX  continuously ignore requests to add my current legal name to my credit reports. On XX/XX/XXXX, I had my legal name changed via a court order. I furthermore currently have a XXXX credit card under my new legal name ( I had this account prior to my name change, but have since updated my account information with XXXX ). Despite this, TransUnion and XXXX  still only list my former legal name. This makes it difficult, if not impossible, for me to create new accounts at most financial institutions despite otherwise meeting any other requirements. 

I realized that only my former legal name was listed on my credit reports at the beginning of this year ( XXXX ) as I attempted to open a new bank account online and was denied due to the discrepancy between the name listed on my personal identification and the name listed on my credit reports. 

I mailed TransUnion, XXXX, and XXXX  letters requesting they update my legal name in their reports, as well as notarized copies of the court order for my legal name change and copies of my driver 's license and social security card, both of which reflect my current legal name. TransUnion refused to acknowledge my requests at all. XXXX  mailed me a letter ( dated XX/XX/XXXX ) claiming they would update my personal information, yet as of my XX/XX/XXXX report, only my former legal name is listed. XXXX  mailed me a letter stating they could not find any credit information in their database from my information, which I believe is simply due to my small credit history and thus I am less concerned about 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 non-monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
They sent my mother-in-law a text with a link and the account number they have for me. I have never heard of this company or received a text myself. I have never used my mother-in-law 's cell phone number in regards to any of my financial needs, not even as a reference. So, I don't even know how/why they would think it was appropriate to share any information with her on any matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: Freedom Mortgage Company
State: AZ

Complaint narrative:
we have AUTO PAY to pay our mortgage payment each and every month..our mortgage company FREEDOM MORTGAGE has taken their payment every month without a hitch. however recently they reported to the credit bureaus that my XXXX and XXXX payments were both 30 days past due! how can i be late when freedom TAKES their payment directly from my bank..fyi..my bank and my on line freedom account both clearly show these ( and all ) payments paid on time ( XXXX on month ) ... my fico was XXXX before this..it has taken a big hit ... we did not get to a XXXX fico score by making late payments ... freedom insists their info is correct ... ..this is 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 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I set auto-payment with my XXXX XXXX bank account ending in XXXX to pay Barclay credit card $ XXXX   monthly, due to Covid-19 unemployment. However, on XXXX XXXX, Barclay withdrew {$450.00} from my bank account without my consent. Because my bank account was misappropriated, I contacted Barclay to credit my bank account the payment, but I was informed that the bank doesn't have the capabilities to rescind the payment. 

Based on the agent that I spoke to about resolving the issue, this withdrawal was intentional and without a resolution. The tape recorded conversation is attached for review. 

Due to Barclay decision not to rescind the payment, I have requested XXXX XXXX to credit the payment to my bank 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 2020-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: ID

Complaint narrative:
On XX/XX/XXXX I was in a car accident and my car was totaled the next day. I made my Car payment which was due on the XXXX to keep in Good standing. Then got the ball rolling with Insurance and XXXX my insurance company to get payment sent over. 

Then in the beginning Middle of XXXX I was give the the run around that my Insurance had not been in touch with Ally Financial the Lien-holder and that they were waiting a response, but XXXX had already sent a check with the Payment amount around 11,500 to help pay towards the loan. Then I log into my account a few days later at the end of XXXX that payment had been sent through and that I did not owe anything until XXXX of XXXX. 

Prior to XXXX and XXXX, Ally would always send a notice a couple days ahead of Payment being due I always got a notice that a payment was coming and I need to pay it off. After the Insurance check went through and I had been in contact with Ally multiple times from XXXX through XXXX about keeping my account in good standing and ensuring I didnt owe anything or that I made sure my account showed that I was in an accident and it was a total loss. I am told at the beginning of XXXX that they didnt know I was in an accident or that my car was totaled. They at that point also did not tell me that I owed any missing payment or a payment was due. Then it took them two months to get moving with my GAP insurance and GAP did not issue a Check until XXXX. I got a Notice at the beginning of XXXX that all of a Sudden I owed {$1600.00} plus dollars and that my account was in collections because no one had communicated to me, I did not have any notices of my account missing any payments, but that I owed {$1600.00} something dollars. 

My credit has been shot and I am in the process of building a house. I need help getting this fixed for the urgent future please and 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 non-monetary relief
Consumer complaint received 2020-10-13 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:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company 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 2020-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
On XX/XX/20, I applied for a mortgage and Medicredit was not reporting on my credit. 

On XX/XX/20 The lender repulled my credit and told me a new collection was on my report from Medicredit in the amount of {$170.00} On XX/XX/20 the original creditor ( XXXX XXXX XXXX XXXX XXXX  ) was paid. There is no existing balance on my account. 

On XX/XX/20 I contacted Medicredit to remove the collection since I worked with the original creditor to pay the debt. They said their company doesn't delete collections and only will marked as paid. 

On XX/XX/20, I am filing a complaint as Medicredit is in violation of FDPC, I was not notified in writing of this collection before it appeared on my credit report, I don't have an agreement or contract with Medicredit,  and the account they are attempting to collect has a XXXX balance

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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please investigate the following information. XXXX XXXX  XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of major delinquency is incorrect, correct it or delete this account. The type of loan is incorrect, correct it or delete this account. Date open is incorrect, correct it or delete it. XXXX XXXX XXXX  XXXX. Date open is incorrect, correct it or delete it. Type of account is incorrect, correct or delete this account. The date of major delinquency is incorrect, correct it or delete this account. Date of last payment is incorrect, correct or delete this account.XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. Date of last payment is incorrect, correct or delete this account. Term duration is incorrect, correct it or delete this account. XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. Date reported, correct or delete this account. The date of major delinquency is incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. The Account Owner is incorrect, correct or delete this account. Date of first delinquency, correct or delete this account. XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. The Account Owner is incorrect, correct or delete this account. Date of first delinquency, correct or delete this account. t.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Client Services, Inc.
State: IL

Complaint narrative:
The company called CLIENT SERVICES, holding my debt from XXXX, XXXX ( XXXX XXXX ) has been sent 6 letters from XX/XX/XXXX until XX/XX/XXXX trying TO SETTLE this debt and get it REMOVED from my credit files! They have ignored ALL ATTEMPTS to communicate with them or settle this debt! Instead they called family and friends and made me look like a fool! ALL I wanted to do for over the past year is SETTLE the debt and have the information REMOVED from my credit file! 
Client services account # XXXX amount offered for settlement {$190.00} No one has ever responded to my repeated attempts to settle this matter.

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