vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
In XXXX of XXXX, I was reviewing my credit report when I noticed a collection account was added. It was for {$90.00} from Transworld Systems collecting for XXXX XXXX Hospital. I was surprised because I didn't even know that I owed any money. 

In XXXX of XXXX I was taken to XXXX XXXX Hospital by ambulance because of XXXX. I tried to refuse medical service but the police and paramedics insisted that I be taken to the hospital. Once I arrived to hospital, I again refused service and I left on my own. I did not have medical insurance and I did not want to incur any medical bills. 

I never gave XXXX XXXX Hospital my name or any of my information, nor did I ever receive a bill from them. I also never received a bill from Transworld Systems. I had no idea I owed any money and because I refused medical service, I did not expect to owe any money. 

On XX/XX/XXXX, shortly after I became aware of the debt on my credit report, I called Transworld Systems to resolve the debt. I explained to the customer service agent that I never received a bill and wasn't aware that I owed anything. I told her that I could make the payment but I asked that the collection account be removed from my report. She said that it would not be removed but only updated to show that it was paid. 

The customer service agent told me that bill had be sent to XXXX XXXX XXXX XXXX, XXXX, IL. Which is my old address. I've come the conclusion that XXXX Hospital must have gotten my information from the police officer or the police report. My ID at the time was outdated and did not have my current address. Again, I did not give XXXX Hospital any information, so my best assumption is they obtained the wrong information from my outdated ID. 

I told the customer service agent that I did not think it was fair that I should have a negative mark for a debt that I was completely unaware of. She again told me the best should could do was update it as paid and suggested that I contact a credit specialist. I wasn't satisfied with that resolution so I ended the call and did not make the payment. 

I later decided my best action would be to make the payment and file a complaint with the cfpb. On XX/XX/XXXX I made the full payment of {$90.00} to Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made a purchase of {$740.00} on XX/XX/19 through XXXX using their Chase XXXX XXXX card. The item was tagged on the website as being eligible for 0 % APR for 18 months @ {$41.00} per month if I used the XXXX card, which I did. After the item arrived I called XXXX on XX/XX/XXXX to verify the promotional APR, since it was not showing on the Chase on-line banking site for the XXXX XXXX card. I was told by XXXX rep XXXX that it was eligible, but that the promotions were handled by Chase. I then called Chase and spoke with XXXX who confirmed the 0 % APR and said that my payments of {$41.00} would be reflected on my XX/XX/XXXX statement. However, when we got the statement that was not the case. I called Chase on XX/XX/XXXX and was told by XXXX that they would listen to the recording of the XX/XX/XXXX call and get back to me. Yesterday, XX/XX/19, they called back and informed me that " yes, XXXX had said that, but he was wrong and you will not get the promotional APR. '' I then spent two hours on the phone with XXXX and Chase trying to get this resolved. Each of them says it is the other 's responsibility, and no one at either company was able help me even though I talked to eight different people! Today, XX/XX/19, I spoke with XXXX, " a US Supervisor at XXXX, '' who told me " that they had numerous complaints about Chase not honoring these promotions, but that there was nothing XXXX could do for me. '' CFPB please help me! Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I sent certified mail several qualified written requests for proof of debt as of XX/XX/2019, I have evidence that ALLY BANK is not the owner of the debt. I was ignored, and they did not respond, I then sent a declaration of fraud. The vehicle has since been repossessed on XX/XX/2019 and reported the credit reporting agencies. 

I am requesting the perfected instrument of debt, that ALLY BANK is the rightful owner of the debt, and I will pay the debt in full. 

I have not received any official documentation of the sort to date. I have evidence of all the written and final written request and repossession.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: IL

Complaint narrative:
Equifax XXXX and XXXX and XXXX XXXX. people gas light and XXXX .XXXX/XXXX/XXXX  {$220.00} identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Service Bureau Inc
State: KS

Complaint narrative:
Received numerous collections letters from Creditors Svc Bureau regarding vet bill for XXXX XXXX, have asked them to remove debt from our credit file it keeps appearing on our credit reports. Called XXXX  on XX/XX/19 asked what specific verification of debt they had produced, was told that i needed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied for a Citibank American Airlines Card back in XX/XX/2018 the promotion was XXXX points for spending XXXX for the first 3 months. I have spoken to citibank multiple times and they tell me it I had to spend {$4000.00}. I read the offer at least 20 times, If i had to spend XXXX I would have just spent XXXX. they asked me to look for my offer but mysteriously the email has dissapeared, also I didnt keep any of the paperwork that came with my offer, why would I need to?? i would assume they would just honor their offer. At this point I'm actually pretty XXXX with the experience. I want my miles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation
State: VA

Complaint narrative:
I currently have a conventional loan with PHH mortgage. I reached out to them to get a refi and cash out a little equity in my home. They steered me to get a FHA rather than another conventional loan. They stated that I did not qualify for the any other loan other than an FHA and after having a family friend who is a loan processor look at the information, that just was not the case. I was told that they could have offered me another product and they failed to do that. I wish to file a formal complaint as I believe this is exactly what got us into the house crisis in 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FORD MOTOR CREDIT CO.
State: RI

Complaint narrative:
I'm trying to remove 3 missed payments off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
XXXX phone company is claiming I owe them {$8600.00} for account # XXXX. 

This notice came after the contract was paid in full throughout the year of XX/XX/2018 and closed. Notice came in the form of the Collection Agency letter. 

Numerous communications were made with XXXX whose website bill statement claims all the payment made throughout the year reversed back on XX/XX/18 due to Financial Institution request. I was advised to contact Financial Institution. And I did. As per my bank, transactions claimed by XXXX did not take place which is further supported by bank statements. 

These same bank statements were provided to XXXX for investigation which had no consecutive action, phone calls, or emails. In a follow up communication by me I was advised to follow up with financial institution, which I already did, and the conversation went on in circles. 
Meanwhile, collection agency is calling me several times a day, and already effected my credit score.

I am attaching three bank statements around the date XX/XX/18 to show no reverse transactions registered on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2019, I was searching an XXXX XXXX XXXX on XXXX. Found one selling for {$400.00}. On the website, it has a feature to contact seller in a chat. I did and sent the seller a message, the person replied back with a phone number ( XXXX ) XXXX-XXXX and told me to text him there. 
I texted him about condition of the phone and if it is unlocked, and other questions of the phone. he sent me few more pics of the phone besides the one on the website. I still have all the text message on my phone as evidences. He said he accept apply pay or XXXX. I remember XXXX is being advertised on my bank before in some spam email, so I decided to try it. After sending the seller the money, he no longer answered my texts and phone calls. I immediately felt suspicious and informed Wellsfargo my bank and file a claim for fraud. someone from wells fargo was on the phone with me about 40mins filing the complaint. 

Yesterday, XX/XX/2019, I got a letter saying the company denied my claim. I have the letter. it said I was the one send the money. I am not denying if I did. I am claiming I am being scammed. There is no buyer protection using XXXX. Product was never received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I'm consolidating my debt with a company and this company has power of attorney over my debts. I've explained this to Sunbelt Credit and they still call every single day, because they don't understand the process. I've explained to them that I can't comment on the consolidation because, I can't. They said that they still have to call because, that's their job. They don't mail statements that I can send to this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
On or about XX/XX/XXXX, I was approached by " XXXX XXXX XXXX XXXX '' about being approved for a home equity loan on my property in XXXX, Ohio. It was my parents home and my name was never on the title to the property. Never the less, I was approved for a XXXX loan ( I don't even remember getting that much ) Shortly there, the loan was transferred to " XXXX XXXX '' who ended up going bankrupt. They then put me on a forebearance plan. Then it was transferred to " XXXX XXXX  '', then XXXX now, it is with Shellpoint Mortgage Servicing. The loan was predatory in the first place, I should never been given that type of a loan, the way my financial situation was, then and now. I am currently in foreclosure and don't know what to do. Also, at the end of XXXX, the XXXX county auditors did an appraisal on all the property in the county. My house was determined to be only XXXX and the mortgage company is saying I owe them XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I have a rental property financed with Quicken Loans. It was our former residence. We lost our tenants in XXXX of XXXX. The tenants " trashed '' the property, which required extensive renovations. When it was complete, we listed it for sale. We were unable to pay the mortgage with no tenant, but stayed in contact with the lender and kept them apprised. No offers were forming. In XXXX, we applied for a short sale and were denied. On XX/XX/XXXX, Quicken entered and secured the vacant but maintained property over our express objection. They cored the locks and changed them. We were unable to access the home for showing/sale for two days. We wrote a strong letter, and Quicken eventually agreed to a short sale. We signed and returned all documentation including a promotion agreement with XXXX. Several " winning '' bids were rejected w/o notice and without our knowledge. In XXXX, collection calls restarted. In XXXX, we were told that we " never returned '' the short sale paperwork ( impossible as it was faxed in triplicate and returned via express carrier ). We wrote a second letter and informed the lender we wanted to pursue a Deed in Lieu of Foreclosure and threatened legal action for trespassing, theft, harassment, bad faith, financial damages, repetitional damages ( credit ) and intentional infliction. In a phone call on XX/XX/XXXX, we were told we could not use a DLF and they were moving forward with full foreclosure, even though we are willing to give the lender the house. We were told they were prepared for a lawsuit and any publicity or official complaints we may file. We have been absolutely assaulted by this company. We are a middle class family, not real estate professionals and feel we have no recourse. All we want to do is responsibility dispose of the property and get own with our lives. Instead, Quicken Loans is putting us through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I received a bank of america gift card, i found out yesterday that it had expired. Upon calling B of A the rep told me there was nothing she could do since it expired on XX/XX/2019. I had asked if the money goes back to the person/company that purchased it so i could contact them and have them go through the trouble of getting me a new gift card. She explained that the bank keeps the funds. Which I do not see as a legitimate outcome

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2013, XX/XX/2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX and I'm a XXXX  XXXX XXXXr with the XXXX XXXX XXXX XXXX. I'm elderly and XXXX, currently my daughter is XXXX XXXX  and has been or may be using and opening accounts my account to funnel large amount of life insurance in my account. I am asking that any account in my name and social security number XXXX be closed immediately and all final balances be send to the address above. Thanks!! 

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 2019-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
On Thursday, XX/XX/XXXX, I transferred money via XXXX through my Wells Fargo app for concert tickets. I transferred {$400.00} from my Wells Fargo savings account to the seller. After realizing I was scammed, I immediately called and filed a claim with Wells Fargo and received a case number. Have not heard back after filing the incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: Island Finance Puerto Rico
State: PA

Complaint narrative:
Ive been a victim of Identity theft and theres 3 accounts that Ive never apply for called Island Finance account # XXXX Open on XX/XX/XXXX for the amount of {$2300.00} account that I did not apply for that account that appear on my XXXX Credit Report I spoke to XXXX from the debt collection dept and was told that she couldnt help, she suggested me to pay the remaining balance. 

on XXXX XX/XX/XXXX this account called XXXX account XXXX that was obtain by someone who stolen my identity, open a loan under my name, appears in My XXXX  CreditReport I never apply for this loan, I spoke to the collection department of XXXX and they didn't want to help they just wanted the payment of {$2500.00} I explain to the representative that Ive never obtained that loan and they suggest me to pay the balance and they will stop calling and harassing me. 
This account also appearing on my XXXX Credit Report On XX/XX/XXXX XXXX XXXX Open a Fraud account in the amount of {$2300.00} I spoke to XXXX of the collection debt dept and was told to pay the total amount, I told her that account was not obtained by me it was open by some one who stolen my identity and she keeps calling and calling harassing me to pay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Last year i applied for financing with XXXX ( XXXX XXXX XXXX XXXX ), after losing my job. With my wife and son in school i wanted to try this since it had a money back guarantee. They sent me a link to XXXX XXXX who in turn went to Marcus Goldman Sachs to get a personal loan to pay for access to XXXX. They scammed me out of the money and the company disappeared then re-emerged this year same title. I never spoke to anyone accept the guy at XXXX and he ran my credit and the money was in my account same day. No Questions asked and i presume that XXXX and XXXX are in close proximity as well as Goldman Sachs. XXXX was supposed to give me my money back within 6 months if i didnt break even. I asked Goldman Sachs about writing the loan off and then going after them with an attorney but they just gave me the run around. XXXX was non negotiable when asking for my money back after they bellied up 2 months into my initial 6 months. Came to find out they knew about taking it down 2 months before the guy signed me ( XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I flew XXXX XXXX on XX/XX/2019, My return flight on XX/XX/2019 was cancelled and I paid {$45.00} for my bags with my American Express Serve Card, I called XXXX  to refund my bag fees because my return flight was cancelled, XXXX XXXX insists they already refunded my money which did not show up in my account, they said 10 days, after 10 days I filed a dispute with American Express Serve, XXXX XXXX has yet to respond to this dispute as of XX/XX/2019, Amercian Express Serve told me that I would receive a provisional credit within 10 business days, when I called them back they said my account wasn't eligible for a provisional credit but couldn't explain why, I have yet to see a refund on my card from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2018, my grandson requested {$350.00} thru cash app. I accepted the request and sent the funds. An unauthorized person hacked my grand son 's account for {$250.00} and then {$100.00}. Cash app kept telling me to refer to his bank to verify where the funds went. My grandson is XXXX y/o and does not have a bank account. After 37 emails, cash app refused to give a refund and could never identify where the money went.

Company response to consumer: Closed with explanation