vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NV

Complaint narrative:
Avant LLC has charged me late fees that caused my account to go over the limit. For about XXXX months Avant kept charging me those fees at XXXX per month. I was unemployed during that timeframe. I called Avant LLC in concerns to my credit card just to be told they wont be able to assist me. I have requested copy of the statements which they have informed me that they do not have

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: MD

Complaint narrative:
I DID NOT GIVE CONSENT TO THE ALLEGED COMPANIES TO FURNISH THE ALLEGED ACCOUNTS ON MY CONSUMER REPORT, NOR WAS I GIVEN PROPER EXPLANATION THAT THESE ACCOUNTS WOULD BE FURNISHED ON MY REPORT. I WOULD LIKE THESE ACCOUNTS REMOVED IMMEDIATELY. I DO NOT DENY THE DEBT. I DO DENY CONSENT TO FURNISH. LAWS VALIDATING MY CAUSE ARE ATTACHED. FAILURE TO COMPLY WILL RESULT IN FINES UP TO {$1000.00} PER VIOLATION.

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 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
I received services at XXXX XXXX XXXX XXXX back in XXXX. 

I applied for financial assistance XX/XX/XXXX with office Manager. XXXX was approved and paid at XXXX XXXX 

XX/XX/XXXX I received an alert that my credit score dropped XXXX points because of XXXX accounts placed by XXXX XXXX for XXXX plus. I contacted them and let them know debt was not owed they told me they have no documentation showing that it was. I called XXXX XXXX and they stated debt was sent to collections in error. XX/XX/XXXX XXXX spoke with representative XXXX at Professional Finance and communicated debt was not owed. On XX/XX/XXXX I called Professional Finance and a representative named XXXX stated debt was still open as unpaid. Which is incorrect. I asked for validation and was sent a bill that was paid in full from year XXXX. 
Debt is not owed and should of never been sent to collections or put on my credit. The errors are interfering with business such as risk for closure of credit cards and applying for a new place to live due to low credit rating. I want debt removed from all XXXX Credit Bureaus.

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 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
on XX/XX/XXXX, we sent out a certified letter to COMMONWEALTH FINANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CERTIFIED MAIL RECEIPT number XXXX Sent a letter of validation to their office. 

They received it XX/XX/XXXX at XXXX and have waited for their response. 

Today is XX/XX/XXXX and haven't heard from them at all. Under the Fair Debt Collection Act, they have to show proof of obligation and I am aware they have XXXX days to do so. 

They also have not removed the alleged collection from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX or XXXX XXXX, make a fraudulent payment on XX/XX/XXXX, for a car account that was closed in XXXX to maintain my credit affected. 
Have more than XXXX  years of this account was closed and still appears in my credit report of Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a check by mail from a company/business as a payment to wrap my car with XXXX Ad, I deposited the check to my account thru the mobile app, few days later when I call to check if check has cleared I was informed check was fraudulent and my account was closed and reported to the XXXX, but I think I was a Victim of Fraud, I filed a dispute with XXXX and provided copy of all the email messages I had with the company that had mailed me the check.

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 2022-03-25 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MIDLAND CREDIT MANAGEMEN Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$620.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$620.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$620.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My XXXX wrote a check to our mortgage company the last of XXXX for our XXXX mortgage payment. At the end of XXXX we get a notification from Chase that there was a fraudalent check ( someone had created a fraudulent check ) and they shut our account down. A week later we get a mortgage statement showing that we havent paid our XXXX mortgage payment. After some digging we realized that our mortgage payment check had gone through the bank but you can see clearly on the check where someone wrote in their name after the mortgage company name on the " pay to '' line. This person is the same person who created the fraudulent check that shut our account down. On XXXX XXXX we went back to the branch and according to the branch manager where we bank frequently she says that check should never have gone through and that its against Chase Customer Policy to allow this to happen. At that time we called the Chase Fraud dept. while at the branch and they told us they would open an investigation and that it could take up to XXXX days for them to get us our money back. I told them that was unacceptable and asked to speak to a manager which they said they would put a request in and they would call me back. On XXXX XXXX I received a call from a manager and explained the situation and his response was that he would expedite our claim and we should receive our money within XXXX weeks. On XXXX XXXX I called the Chase Fraud dept. again to see where the money was and was put on hold for XXXX hour and XXXX minutes until I decided to hang up. I was going to wait to see if the money showed up the following week. So today XXXX XXXX I called the Chase Fraud dept. once again and now I am being told that they have revised the timeline again and it may take up to XXXX days to get reimbursed. This is an atrocity. They made the mistake, yet we are paying the price.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I was approved for a GM Rewards ( issued by Marcus by Goldman ) credit card in XXXX XXXX XXXX. I wanted to take advantage of the 9 month interest-free period, so I attempted to immediately charge a vacation using the virtual card provided to me on the website. The charge was declined multiple times. The physical card came to me in the mail but I was unable to activate it. This is because on the website, it said my card was " restricted ''. Over the next 3 weeks, I made 3 calls in an attempt to remove this restriction so that I may use the card. I spent approximately 9 hours on hold. Each time I was told that they could not help me, but someone would be calling my cell phone to speak with me to rectify this. I received zero phone calls. On XX/XX/XXXX, I did a 3 hour online chat with XXXX XXXX XXXX. She claimed that there were XXXX levels to my restriction and she was unable to get through all of them. I was then told, again, that someone would be calling me. They have not. I have lost time of the interest-free period I could have been using to pay off my vacation. I have also sustained damage to my credit score for the inquiry to be approved for this card that I am unable to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have NO Business with this company. They have called 13 times in the last 3 weeks. Here are some of the numbers they call from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did the same thing last year and repeatedly called. I told them I have no business with them and never did. Now they are doing the same repeated XXXX. Please stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
On XX/XX/2022 I received XXXX letters in the mail about Case number XXXXOne letter was tampered with and the certified card was missing. The letter was the same both stating summons to garnish my check. On XX/XX/2022 my check was showing wage garnishment over XXXX XXXX of my wages. How could that happens after receiving the notice XXXX days before. I am left with no money to live and to maintain. The entire transaction is crazy and my job is on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: KS

Complaint narrative:
When Bayview ( now community loan ) took over the loan ( from chase ) they would not accept chases forbearance agreement. Even though this was provided to them and multiple conversations occurred. Bayview went so far to attempt to foreclose on my home. Multiple people in my family receiving notification of this ( and not one person co signed so thats a privacy issue ). I tried very hard to work with the company. They would not hear me I finally contacted the attorney general who was able to stop what they were illegally doing. They have marked my loan as being in default from XX/XX/XXXX until XX/XX/XXXX appearing as though I simply didnt make payments and was severely late greatly affecting my credit score. Additionally I have reached out to this company multiple times via email and phone calls. I have discussed a modification be offered which has not occurred. I also have noticed a XXXX increase on my mortgage in under a year. There are still attorney fees they are charging me for that they have assured the attorneys general that they were removed. My interest rate is the highest its been I believe around 9 % Before they took the loan my interest rate was under 5 %. Because I can not trust this company for obvious reasons I fear they will try to do something that will harm me in some way again. I assume take action on my own, and am seeking a mortgage arrears resolution process be initiated. I would like the lowest mod possible. I can not seem to communicate with this company in a manner that is effective. Please communicate this on my behalf. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
on XX/XX/XXXX i placed an order for delivery by XX/XX/XXXX XXXX on XX/XX/XXXX they advised me the shipment was delayed and would arrive on XX/XX/XXXX when i will be out of town so i canceled the order. on XX/XX/XXXX i received another e mail telling me this canceled order would be delivered on XX/XX/XXXX. i then canceled the order online again and attempted to call them after XXXX minutes they system said goodbye with me ever reaching a human. I then attempted to call citi bank which is the issuer of said card. they were at least able to give me the correct number to call. i called and canceled said card however i no longer trust wayfair to do anything correctly and believe them to be playing fast a loose with the rules

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 2022-03-25 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: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I logged into my HSBC USA account to make a credit card bill payment. I have XXXX cards with the bank, one I use regularly the other I use minimally. Upon logging in I noticed the balance on the card I use minimally had a balance of {$2700.00} cleared charges and multiple pending charges. The cleared charges were clearly made at businesses outside of the United States and were made during an 11 day duration. They also surpassed the credit lime on the card by {$20.00} or so. HSBC Bank claims to have an automatic fraud alert system that notifies customers via text or email when suspicious charges are made yet I received absolutely nothing. I reported the issue to the bank immediately. I was told the balance on the card would be reported to the credit bureaus as fraud and that my score would not be affected as I am actively looking to purchase my first home and my rates and purchase price are primarily based on my credit score being excellent. HSBC reported the balance to the bureaus but failed to identify them as fraudulent. Having a such a high balance in addition to it being over my credit limit caused my XXXX score to drop by XXXX points and my XXXX to drop by XXXX points. My XXXX score has not been updated as of XX/XX/XXXX but is sure to. I immediately called HSBC to inquire about the fact they didn't specify the charges being fraudulent on the reports and they had no reasoning nor could they explain why I was not notified via text, email, or phone call about suspicious activity on my account. Due to all of this I am unable to purchase a home until everything is resolved which, according to HSBC and my lender, could take up to 60 days. This leaves me in a position of losing opportunities to buy a home within my price range because of prices rising but also forces me to lose the opportunity to take advantage of low interest rates due to them skyrocketing. This will, in the end, cause me to spend hundreds of thousands of dollars over the years. It has left me emotionally and mentally distressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
Dovenmule sold my loan to rocket mortgage. After they sold the loan they did not properly close this account which led to me receiving a XXXX late. I contacted them over XXXX times and talked to supervisor everytime. First contact was on XX/XX/2021. Absolute worst customer service I ever dealt with. I have XXXX credit cards and XXXX houses and never had XXXX late payment. Dovenmule mortgage does recognize it is a mistake on their end and claimed they were working on it but they never meet their own deadline when it comes to keeping me updated in their emails with dates they promise to update me. To keep this story short Im very unhappy because I had to hold off my refinance because of their incapability of running a business and taking care of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I received a letter from Credit Corp Solutions about an alleged debt without a notice to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had a problem with bb & t a year before they merged with SunTrust XXXX XXXX had XXXX of dollars disappear causing numerous overdraft fees and inefficient funds now its only has gotten worse so from XX/XX/2019 I have had a lot of problems and issues but I'm still giving them my business because they say that they will resolve everything but it keeps happening right no my account is negative and I have to have my pay check come on a money card this is ridiculous!!!! It's has been a total of about over 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 2022-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
Hello XXXX, We spoke a couple days ago a bad experience you had with one of our team members here at Rocket Mortgage, I just wanted to follow up on our previous conversation. I attempted to call you but I got your voicemail and it said the voicemail box. I wanted to assure you that have looked into the issue with the mortgage banker was address if you have questions feel free to give me a call at ( XXXX ) XXXX. 




XXXX XXXX XXXX  Advocate Rocket Mortgage T ( XXXX ) XXXX F ( XXXX ) XXXX Good Morning XXXX, In researching the information given to you, I found that there shouldve been more of an explanation given regarding the refinance, for a client that is coming out a forbearance we need for the client to have made three consecutive monthly payments for a rate and term refinance under the FHA guidelines but for a cash out refinance the guidelines are slightly different. With a cash out refinance we will for the client to have made 12 consecutive monthly payments in order to proceed with processing the loan. I do apologize this was not explained to you by our banker and are addressing this matter internally. I have included in this email a link to a FHA website that explains the guidelines. If you have any questions feel free to contact me directly at ( XXXX ) XXXX. 

XXXX XXXX XXXX id=3023 XXXX XXXX XXXX Advocate Rocket Mortgage T ( XXXX ) XXXX F ( XXXX ) XXXX XXXX, Our number one goal was to reduce outrageous monthly payments. It was discussed on both aspects. Not a deal breaker to add cash out. XXXX was well in tune with this and being helpful. Cant say the same for the others we discussed. Rocket Mortgage continues to mishandle against what the government pertains to helping per the CFPB. 
Sadly for the respect of this company, I can not undo/ un hear what this company has done by whom they hire and allow them to continue treating others with less than what theyd expect done to themselves. 
Excuse away as all big businesses will, the damage has been done and whatever your claim of handling internally does not help your customers externally in any situation. 

https : //www.usa.gov/complaints XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I applied for the XXXX XXXX credit card XX/XX/2022, financed by Chase, when booking a flight. A credit card promotion pop-up offered a {$200.00} statement credit and XXXX rapid reward points if spend {$1000.00} within the first three months, when apply and approved for a new account. I purchased over {$900.00} in airline tickets the day the account was opened and then about a week later had another charge for {$390.00} to put me over the {$1000.00} spend requirement. I have received the XXXX rapid reward points ; however, the {$200.00} statement credit has not yet been applied. When I reached out to Chase directly they advised the only offer was for the rapid rewards points. This is the terms & agreement on the XXXX website regarding the {$200.00} statement credit -- -- - * OFFER DETAILS XXXX XXXX XXXX XXXX XXXX  CREDIT CARD {$200.00} Statement Credit This product is not available to either ( i ) current cardmembers of this credit card, or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. You will qualify for and receive your bonus after your First Purchase. ( First Purchase does not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. ) After qualifying, please allow up to 8 weeks for statement credit to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. 

The {$200.00} statement credit offer is still reflected on the website ( www.southwest.com ) ; however, the rapid rewards is currently XXXX points if spend {$500.00} in first three months. I want the {$200.00} statement credit as advertised. My account is open and not in default. This is false advertising, I would not have applied for this credit card without seeing this offer and would have used another card I already have. There are plenty of consumer boards that reflect that this is an ongoing problem. I have asked for Chase to provide me with the offer from the XXXX XXXX website at the time of account opening, as it should be readily available for record retention purposes, and they have not provided me that information.

Company response to consumer: Closed with explanation