vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
Hi my name is XXXX XXXX I sold my property the end of XXXX XXXX of this year paid my XXXX XXXX   bill like normal did not know I still owed some money to this company.. never received any statement saying I owe them more money.. The amount was only {$58.00} but a time I got this bill from Financial Credit Network to my new address this bill was already in collections I paid the amount.. contacted the company respectfully told him to delete this collections off my credit report.. they said that they wouldnt take it off my account that I needed to prove that I forward my mail to that current location.. The lady from this company was pretty much telling me that she needs an exclamation why was I hiding to pay this bill.. when I told her when I received this bill I contact you guys and paid it in full. So I am respectfully requesting a letter from Financial Credit Network stating that the negative credit information ( from Financial Credit Network ) will be removed with the credit reporting agencies.

this is the number to this company XXXX XXXX XXXX XXXX. PS thank you..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I have a account reporting on my credit for utility services that I have no knowledge of. The debt originated from XXXX at a time where I know I didnt have services. This debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, my real estate professionals were contacted by XXXX XXXX of Fifth Third bank and advised that the investor, Freddie Mac, is unwilling to consider a short sale offer at fair market value for my property. The buyer 's offer is currently above the appraised value of $ XXXX, at $ XXXX. On XX/XX/XXXX, XXXX advised the minimum net proceeds the investor would accept to receive is $ XXXX and all she would need is a revised hud1 showing the proceeds would be coming to them. The buyer and my agents made multiple adjustments to meet the investors unreasonable sale expectations and submit a revised settlement statement back to XXXX XXXX with Fifth Third and Freddie Mac netting higher than the appraised value at a full $ XXXX net proceeds the same day, XX/XX/XXXX. We did not hear back from XXXX XXXX for several days, and then on XX/XX/XXXX she advised that she did in fact need more documents other than the revised hud1 she had asked for previously. All remaining documents were provided to XXXX XXXX via email on XX/XX/XXXX. Finally, 10 days after requesting incomplete documents, on XX/XX/XXXX, XXXX XXXX confirmed receipt of all documents again and advised she should have approval for us soon. 

When my real estate professional, XXXX XXXX, called into Fifth Third bank for an update on XX/XX/XXXX she spoke to XXXX, ID : XXXX. XXXX gave inaccurate information and advised that we still needed to send in the HUD1 with the minimum net proceeds to Fifth Third/Freddie Mac of $ XXXX, which was already provided and confirmed received by XXXX XXXX on both XX/XX/XXXX and XX/XX/XXXX. 

My real estate team emailed XXXX XXXX to clear up the discrepancy on XX/XX/XXXX, but her email address of XXXX now returns undeliverable. 

My real estate professionals manager, XXXX XXXX, called in to discuss the discrepancies with Fifth Third and spoke to XXXX again. When XXXX was told that the reason for the call was to address the previous incorrect information she gave XXXX, XXXX became extremely defensive and combative. XXXX was rude and unprofessional. She repeatedly, even after being corrected and supposedly apologized, continued to condescendingly call XXXX by the wrong name ( referring to her as XXXX ). XXXX claimed there was no authorization on file for XXXX, but I have signed both XXXX XXXX 's authorization form and had the Fifth Third form notarized with her name on each. XXXX refused to allow my authorized real estate professionals to speak with a manager or anyone else who could address both her incorrect and misinformed account handling and extremely rude handling of my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Escrow Errors : I was notified by mail in XX/XX/2019, that my escrow account was short in the amount of {$4600.00}, and that I had 2 options to make this payment : 1. To pay the {$4600.00} in full right away. OR 2. My monthly mortgage payment beginning XX/XX/XXXX, would increase from {$1500.00} to a new monthly payment of {$2200.00} I made a phone call to LoanCare on XXXX XXXX, spoke to a customer service representative who advised that I did not owe {$4600.00} and in fact needed to pay {$5300.00}. 
I made the full payment over the phone on XX/XX/2019 in the amount of {$5300.00}, thus, causing my new monthly payments, effective XX/XX/2019, to increase to {$1800.00}. 

Payment Errors : In XXXX I began receiving notices that my mortgage was late. After making my first phone call of many to LoanCare, I was told that my monthly payments were never adjusted even after my escrow was paid in full. LoanCare was collecting and holding my payments of {$1800.00} and deducting {$2200.00} from the holding account to satisfy the payment for 1 month, that began XX/XX/2019. This is still an issue even after several conversations with their staff to correct the issues. 

I also called on NUMEROUS occasions to have payment history corrected and ask that LoanCare contact the Credit Bureau to correct their reporting that my payments had been late. ( see evidence of payment below ) We are now at the End of XXXX and THESE ISSUES HAVE NOT BEEN RESOLVED.

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 2019-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
It is my understanding that a bank CAN NOT charge an overdraft fee for a monthly banking fee. On XX/XX/XXXX my CITIbank account had XXXX XXXX  in it.. a monthly service fee was charged to me on XX/XX/XXXX putting me XXXX dollars to which the bank then overdrafted me XXXX $ on XX/XX/XXXX ... so i was charged XXXX dollars for not having the money in my account for a monthly service fee..

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 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I was using my Synchrony Bank managed Banana Republic card for training fees at a XXXX XXXX based gym called XXXX XXXX. XXXX  XXXX uses XXXX XXXX XXXX as their fee management company. Fees were assessed to my Synchrony account on the XXXX of each month in the amount of {$320.00}. The last charge to my account that I authorized was on XX/XX/XXXX in the amount of {$320.00}. 

My card was stolen on XX/XX/XXXX. I alerted Synchrony Bank the same day and I received notification that the account was closed. This is the account that XXXX had on file to charge the monthly fees assessed on the XXXX of each month. 

On XX/XX/XXXX, after repeated issues with receiving services from XXXX XXXX, I alerted the head of training that I was not authorizing the XXXX charges. I was not informed that I needed to contact XXXX. Instead I was told that they would take care of the cancellation. Additionally, the card number they had on file was closed, so I assumed it would not be possible for my account to be charged. 

On XX/XX/XXXX and XXXX, my new account was charged the monthly fee of {$320.00}. I do not understand how XXXX was able to access my new account as I did not supply that information to XXXX XXXX. I was never contacted by XXXX or Synchrony to authorize the charges. I logged into my Synchrony account on XX/XX/XXXX to make a payment. I saw the charges and immediately contacted XXXX XXXX. They were not cooperative and told me to call XXXX. All of my contacts with XXXX have been unsuccessful as they refer me back to XXXX XXXX. I immediately began disputing the charges with XXXX, XXXX XXXX, and Synchrony. I currently have a dispute claim open with Synchrony. However, I have not been able to get any information on why they allowed XXXX to charge an account for which they did not have the information. 

I am requesting that the {$320.00} charges, totally {$640.00}, assessed to my Synchrony account on XX/XX/XXXX and XX/XX/XXXX be reversed.

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 2019-12-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$1700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: Clarity Services
State: GA

Complaint narrative:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: GA

Complaint narrative:
To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America Platinum Honors Premium Rewards Signature Visa Credit Card. Bank of America disputes department failed to assert three disputes on my behalf. The case numbers for the disputes are XXXX, XXXX, and XXXX. 

From XX/XX/2019 to present, I have repeatedly attempted to dispute the transactions, but Bank of America has failed to process the disputes. In each case, the disputes representative has only asserted that " the merchant has stated the charges are valid, '' and has failed to request information from me or process a chargeback.

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 2019-12-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax on two occasions to verify late payments on a closed account with XXXX that was closed XXXX of XXXX. The first request was by certified mail on XXXX XXXX Tracking # XXXX. My second request was sent certified return receipt on XX/XX/XXXX Tracking # XXXX and received on XX/XX/XXXX by XXXX XXXX. The response received was appalling to say the least, which is supported by the documents which I have forwarded to you. Dates were changed and modified at random, not verified or validated to be true or accurate. Information that wasn't there before was added. Please explain to me how can you verify and report that I was late each month for five months AFTER THE ACCOUNT WAS PAID IN FULL AND CLOSED, and to add insult to injury I am a victim of their data breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a call from someone working with ace cash express threatening that theyll find me and sue me, call my job and harass me, call my sister also with threats that I defrauded a financial institution and that I owe money. 
Was pretty much a big threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Credit Adjustments Inc
State: NC

Complaint narrative:
The original consolidation loan amount in 2003 was for just over {$24000.00}. Fast forward through marriage, XXXX kids, multiple moves for job changes, LIFE. Repayment was off an on as I took time from work to raise children. My job is not high paying. Now the XXXX XXXX working with the government (? ) has garnished my wages, taking just over {$500.00} a month away from me. We already live paycheck to paycheck, and now I am not going to be able to pay my XXXX rent already. The debt they now seek for me to repay is over {$67000.00}. I am almost XXXX XXXX XXXX. I will be dead before they ever collect all of the money -- XXXX of which is compounded interest - but before that happens my children and I will be homeless and I will lose my job because of it. This is absolutely criminal. I can not believe they are permitted to do this.

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 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
In XXXX, I became aware that my son had been using my XXXX account. I called XXXX several times notifying them that my son was using my account. They changed my password, but he still got in. They deactivated my devices and changed my password again, but by that time he had my full card info. He got it by going into my XXXX account. He then opened a new account and attached my card to it. I then called the credit card company and told them. They told me that they would put a text alert on the account so that I would know if it had been used. The representative put the alert of the wrong account ( I have two accounts at Citibank -- the one I inquired about and a balance transfer account ). I did not want to close my account as I thought we had managed the problem through the secondary verification/fraud alert and I was about to leave on a two-week vacation in XXXX ( I notified them of my dates to be away at the same time ). While I was away, my son made {$3700.00} in XXXX charges. I called the credit card company again ( this time from XXXX ) and they finally put a fraud alert on my card and assured me that I would be reimbursed for the charges. After that call ( the third or fourth call I made ), every time the card was used, I received an email. If they had put a fraud alert like this on the correct account the first time I called, there would not have been {$3700.00} in charges. 

Also, when I called in before I went on my trip, I gave the company the dates I would be in XXXX. I do not understand how someone using my XXXX account repeatedly in Hawaii did not trigger a fraud alert when i let Citibank know I would be out of the country for 2 weeks. There were XXXX charges on XXXX while I was away -- none of them were made by me. 

Citibank now refuses to refund any of the money saying that I have to file a police report. They have tossed me back and forth. I have spent hours on the phone. One person hung up on me when I asked for the contact info for someone I could write to about this. Customer service supervisors refused to speak with me and refuse to take any responsibility for not issuing a fraud alert when I notified them of the activity on my account. My son is XXXX, but he is also XXXX. He has a severe, diagnosed XXXX XXXX problem. At this point, he can not work and has no ability to pay the money back. No one will be served by putting him in jail. 

The whole thing could have been stopped simply -- if Citibank had put a fraud alert on the account the first time I called in.

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 2019-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: MI

Complaint narrative:
Call everyday Harassing my XXXX year old Father he told them not to call back and they keep calling..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a new master card bill opened in my name addressed to my home address that i never opened with a charge of XXXX $ purchase at XXXX XXXX XXXX which is a fast food restaurant to my knowledge. I called the company " XXXX XXXX XXXX Master Card '' at XXXX XXXX the name on the bill and told them that I never opened the account and it's fraudulently opened using my name and ask them to close it and I'm not paying the balance. Instead they asked my SS #!! .I told them. " Are you kidding me?? why would I like to give you my info when this acct is fraudulent .why would I supply my personal info to close an account after i gave the acct name and account last 4 digit? ..i asked them to close it but they insisted to know my SS # and they werent even interested to know the full acct 16 digits #! I hanged up. I think this company is fraudulent trying to lure people giving their SS #. 
The company name is SXXXX XXXX XXXX   MASTERCARD XXXX XXXX XXXX XXXX AZ XXXX It shows connected with the Citi Group.

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 2019-12-27 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: CA

Complaint narrative:
I contacted all three credit reporting agencies to report identity theft/fraud on XX/XX/2019. 
XXXX XXXX removed the fraudulent charges - deleted XXXX XXXX XXXX - deleted XXXX XXXX XXXX - deleted XXXX/XXXX XXXX {$8700.00} I have disputed this charge 2 times. XXXX  states the charges " remain '' Experian Credit Reporting has not investigated this. I have not been able to receive any information regarding " What the purchase was '' " Where was the purchase made '' etc I have the right to this information. 

** I have attempted to contact XXXX XXXX XXXX 10-12 times and have been completely unable to speak to anyone on the phone. I have mailed copies of my police report to all three credit reporting agencies and to XXXX XXXX XXXX. No response what so ever. 

Please help.

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 2019-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
BACK IN 2018, I WAS CONTACTED BY XXXX XXXX REGARDING A DEBT OWED TO ANOTHER CREDITOR, THE DEBT HAS BEEN PAID, YET THE COLLECTION COMPANY IS TILL APPEARING ON MY CREDIT FILES AS A NEGATIVE IMPACT.

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 2019-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Obtained SBA loan for which Chase Bank administers for a woman owned small business one year ago. In the past year, I have experienced on-going excessive fees, late charges, and payments not being appropriated properly. For example, applying a full loan payment only towards interest so that principal appears to not have been paid. Thus, incurring additional fees and charges. Interestingly, the payment is made on their Chase website and come from a Chase business account. They claim " a glitch '' in their on-line payment processing, but do not seem to resolve the matter after numerous call and hour on hold. Additionally, I have been harassed and attacked by their collections department, yet the loan has been consistently paid. I request a complete investigation as I feel their " glitch '' in payment processing is of fraudulent nature, thereby collecting excessive and unwarranted fees and additional interest from their loan customers. 

Please contact me for supporting documents.

Company response to consumer: Closed with monetary relief