vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
We have a mortgage wtih Fifth Third Bank. Our taxes and home owners insurance are paid from our escrow account. Our home owners insurance payment was due on XXXX XXXX, 2018 for the amount of {$600.00}. 
Around XXXX XXXX, 2018, we received a letter in the mail from our insurance company stating that our policy coverage was cancelled due to non-payment. On Monday XX/XX/XXXX, I called Fifth Third Bank 's insurance department to notify them of the letter we received. The representative asked for the number to our insurance broker. I was told that insurance companies usually have a grace period and that the premium payment could be sent overnight if needed. I was then instructed to call back on Friday to verify that the problem had been resolved. 
We were unable to call back that Friday but called back Monday XXXX XXXX, 2018. I spoke with the same representative and the payment still hadn't been sent. I was instructed to call our insurance broker for Fifth Third Bank. My husband called the insurance broker on XX/XX/XXXX. The broker told my husband that Fifth Third needed to contact the insurance company. I called Fifth Third 's insurance department that same day and spoke with a different representative. I told him that the insurance broker said that Fifth Third needed to call our insurance company and provided the representative with the insurance company 's phone number. The representative called back later on XX/XX/XXXX and left a voicemail stating that he talked with our insurance company about reinstating our policy, and received the invoice for the premium payment to the insurance company. 
On Thursday XX/XX/XXXX, we received a refund check in the mail from our insurance company for {$600.00}. I contacted our insurance company on XX/XX/XXXX. The customer service representative verified that our policy had been cancelled for non-payment. I inquired about the premium payment and she stated that it had been received beyond the grace period and that the policy couldn't be reinstated. She directed me to call our insurance broker. I called our insurance broker on XX/XX/XXXX for a new insurance policy. On XX/XX/XXXX, I also called Fifth Third Bank 's insurance department and ask to speak with the supervisor to complain about how our insurance was handled. I was told that the supervisor was unavailable at that time. The supervisor called me later and left a voicemail stating that our account was being looked into and that we would be contacted. We haven't heard anything from the supervisor since the voicemail. 
Meanwhile, we have a new insurance company. The coverage began on XX/XX/ 2018 with a premium payment of {$680.00}, a {$77.00} increase from our original insurance payment of {$600.00} that was due on XXXX XXXX, 2018 and was supposed to be paid from our escrow account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2018 I notified Citi XXXX XXXX card that I dispute all charges related to credit card number xxx XXXX. The charges at the time were in the amount of {$6200.00}. I explained that the account was not opened by me and I had no possession of the card issued under this account. I never authorized anyone to open or use this account. 
The card was opened by XXXX XXXX ( ex ) husband who is responsible for all charges. XXXX XXXX was making the payments from his accounts until our divorce proceedings at which time he stopped paying the card and handed it to me for payment. 

Citi XXXX XXXX gave no consideration to my statements and facts described in multiple letters dated XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18 and rejected my claim. 

I continue to dispute all charges of the Citi XXXX XXXX card account and there would be no further payments made for this 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 2018-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
14 days prior to closing the loan officer ( Bank of America ) stated they made a mistake and we needed to wipe all debts and come with an additional XXXX to closing. Had to liquidate all assets and loss all future investments in 401k. 

Bank of America made a mistake and was double dipping on tax and insurance on current mortgages.

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 2018-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
XXXX XXXX claims that I owe them another months cable bill after I cancelled my account. They have Credit Protection Association, LP attempting to collect the {$180.00}. I have already sent a request for additional information regarding the debt they incorrectly state that I owe. The letters were sent certified mail and 1 was delivered XXXX XXXX, 2018 and the other a few days later on XX/XX/XXXX. The date of their latest communication was XX/XX/XXXX. It is my understanding that they are not to contact me once I send them a request for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received notification from my credit monitoring XX/XX/XXXX that my credit score decreased by 26 points due to reporting an over 30 from Wells Fargo. I have never been 30 days late. I just spoke with a representative XX/XX/XXXX and authorized a payment. I was not advised that I was or had been 30 days late. I was advised that my payment was 12 days late. Prior to that I had made a payment over the phone and was not advised that I was 30 days late. The website is not user friendly and every month when I log in to make a payment I am locked out and I have to go through the process of forgot password and still unable to get in to make a payment. Then I am forced to call in and rely on a representative to process payment. I want the 30 day mark removed from my credit immediately. This is inaccurate credit reporting and a violation of FCRA. A data furnisher has a duty to provide accurate information. I

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 2018-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I asked XXXX XXXX multiple times to stop calling me as the debt it time bared and I am disabled and receiving Social Security benefits. I told the person I have {$100.00} after my bills were paid for the rest of the month and they transferred me to someone who could accept a payment. The second person I spoke with said that my number would be removed from the system and I wouldnt receive anymore calls to which I responded that should have been done the first four or five times I had requested it and that was never done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I Have 5 Inquries On My Account That I Have No idea Where they Came From. 

Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I filed a report with FTC.gov concerning Identity Theft ( # XXXX XXXX. This is concerning two credit card debts with XXXX Bank. They turned it over to Portfolio Recovery Associates. I sent them a copy of the FTC complaint. Additionally, I filled out all the paperwork they sent me concerning the debts. These are not my debts! They continue to call and harass me. Additionally, these are still showing up on my credit reports. One credit card is for {$680.00}, the other is for {$340.00}. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I called the free credit score company about a charge to my card from them. They told me that my information wasn't in the system. So he asked me for the first 6 digits and the last four digits of my card number. I gave it to him he said that the card number is there. But it's not with my name, it had someone else name on there that I didn't know. I asked him if I can speak with the supervisor about the situation, he told me that I can't cause I don't have an account with them, but they charged my 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 explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: IL

Complaint narrative:
this accout appeared onmy credit report on XX/XX/2018 I never hearof this company HUNTER WARFIELD in the amount on {$1700.00} it appears on my XXXX XXXX and XXXX credit report. I wa never contected by this company the account just appeared on my credit. it is not my it a fuadlant account and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMAB,LLC
State: NC

Complaint narrative:
Company PMAB still reporting debt that was paid to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vital Solutions, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ga XXXX are violating the Fair Debt Collection Practices As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ). 

I would Like to file a complaint against XXXX XXXX XXXX XXXX XXXX for the following violating or attempting the violate the following : 1. 804. Acquisition of location information A. Not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; B. Not communicate by post card ; C. Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; D. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

807. False or misleading representations : A. the character, amount, or legal status of any debt ; or 812. Furnishing certain deceptive forms A. False Misleading information on printed correspondence that entity has A+ rating with the Better Business Bureau XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had an E-Banking account at Bank of America for a few years. It was a free checking account with no minimum balance requirements and no monthly fee. I was receiving online statement notifications until XX/XX/XXXX, and then there were no email notices again until XX/XX/XXXX. During that time, BOA claims to have changed the terms of my account to a Core checking accounting with a $ 12 monthly fee. I had {$20.00} in the account for many months with no fees, as I was not using the account due to an inoperative ATM card. I contacted the bank by phone and I went to bank in person to try to get a working ATM card, but I never got one that worked. Then, around XX/XX/XXXX/XX/XX/XXXX, BOA started charging my account {$12.00} per month, until it became a negative balance. They took my money without notifying me of the change of terms. I checked my emails and there was no notice. I did not receive a paper statement, either, until XX/XX/XXXX, at which time the bank sent me a statement showing my account has been closed. Since they closed my account, I can not log into the online portal to look for any notices or the account history. I think that they should allow me to have access to the online period for several months after closing the account so I can check the records. I called BOA to try to get my money back, but they said they would not give my money back since the account was now closed. I told them that I did not receive notification of the change in terms, and the representative said he did not believe me. He said the balance was insignificant, at which time I reminded him that it was my money and it is important to me. He said it is the customer 's responsibility to read the notices. I reminded him that I did not receive any notices and I said that the bank should make more of an effort to notify people of such a significant change. I want to get my money back and I want to make sure they can not do this again to other people.

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 2018-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I filed a report with FTC.gov concerning Identity Theft ( # XXXX ). This is concerning two credit card debts with Synchrony Bank. They turned it over to XXXX XXXX XXXX. I sent them a copy of the FTC complaint. Additionally, I filled out all the paperwork they sent me concerning the debts. These are not my debts! They continue to call and harass me. Additionally, these are still showing up on my credit reports. One credit card is for {$680.00}, the other is for {$340.00}. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ga. 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 2018-10-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/18 I purchased tickets using XXXX through Chase Bank. I paid {$250.00} directly to the sellers quickpay account. Five minutes after not receiving the tickets, I contacted Chase Bank immediately. They said that there was nothing they can do. Not even provide me with what financial institution the money went to. I dont understand how Chase can not protect our checking account from fraudulent activity. They were notified within minutes of the transaction. Why couldnt it be stopped? 
We should not be offered a service that will not protect our money. Why cant chase help their customers be protected from this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I am a surviving spouse of a veteran, my husband died XX/XX/2018 he is the only one listed on the mortgage. I had no idea he was behind on the mortgage. I did later find out that at the time of his death he was working to get a loan modification but was not able to provide all of the documentation before his death. I have tried to talk with the company Select Portfolio Servicing to see if they will work with me to bring the mortgage current but they will not talk to me. I was also able to send in a copy of the death certificate. I just received a notice from an attorney 's office that they were proceeding with foreclosure. I am working with a HUD approved non-profit counseling agency and we have reviewed my situation and I can make payments if they will work with me. Please ask them to abide by the surviving spouse provision so I can save my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My complaint below is with XXXX XXXX NOT Walmart - Just checked my Walmart accountI mailed a payment in XXXX. It was cashed by your bank on XX/XX/XXXX. I faxed a copy of the cashed check, front and back on XX/XX/XXXX. The funds have still not been applied to my Walmart account. I expect the funds to be correctly applied to MY account, all late fees and interest assessed to my account be credited and this to be done immediately. I work for a bank. With a copy of the front and back of a cashed check we credit funds to our customers within 1-2 business days. The time-frame given to me when I called about this was 30 days. That is utterly unacceptable when you have my money. There was no research you had to do. I did all the work in finding when the check was cashed and getting a copy of it before contacting 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 monetary relief
Consumer complaint received 2018-10-01 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: Community Health Investment Company, LLC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX sent me a debt collection letter. I received this letter on XX/XX/2018. On the same day, I responded and asked the collection agency to validate the debt and provide HIPAA authorization. On XX/XX/2018, I received another letter dated XX/XX/2018 from the collection agency. The letter states that the collection agency has verified the charges with the original creditor and includes an itemized billing. The collection agency failed to validate the debt pursuant to the FDCPA or provide any agreement with the original creditor that would grant the authority to collect the alleged debt. The collection agency failed to provide a copy of my signature with the provider of service to release my medical information to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have disputed repeatedly a collection for medical services that are NOT MINE. The collection agency keeps responding stating it is mine, their letter dated XX/XX/XXXX. I sent a certified letter dated XX/XX/XXXX, return receipt received, asking for written verification proving this service was approved and  rendered to me. They replied with a generic letter simply stating the charge was not mine refusing to provide the proof I demanded.

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 2018-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I noticed that First Point Collection Resources has posted private medical information to my credit report without my consent, which now has been viewed by multiple parties I did not want to share this information with which has been to my detriment. I didn't even believe it was my medical record, but they recently sent me correspondence showing an itemized bill that was mine ( which was also shared with CFPB ). I am shocked that this was shared with all inquiring creditors since the date it was added to my credit reports. This is a violation of my HIPPA rights, and I ask that this be immediately removed from my credit report before anyone else comes across it.

Company response to consumer: Closed with explanation