vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 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 was a customer from XXXX. When I chose to transfer my services to another address in XX/XX/XXXX, I began the transfer request online. I received a new apartment unit number from the complex so I canceled that transfer and requested a new transfer to a different unit. During that time XXXX opened another account for the previous address in my name and without me actually knowing. They advised they would have to cancel my current service and start a new service for my new address because they would not do a transfer. I returned the old equipment and then scheduled to have new equipment installed which was a big inconvenience. I began to receive a bill for the other account they opened without my knowledge. They closed said account. I had never agreed to a contract with XXXX but they advised at the time when I tried to cancel my service in XXXX that I verbally agreed to a contract with them on XX/XX/XXXX over the phone. I advised I never spoke with them over the phone and any communications about my service and account had been done over chat. I asked that a supervisor review the call because I refused to pay an early contract termination fee when I never agreed to a 24 month contract. Of course they said they would review and get back to me in 48 hours. This never happened. I have been sent to collections for this account. When I inquired why the amount includes an early contract termination fee and I stated previous times I never agreed to a 24 month contract or spoke with them via phone they refused to review the call or offer any resolution. I have not been able to get anyone at the company to review the call. I have sat on hold and spoke to numerous representatives and " supervisors ''. XXXX refuses to follow up. I never agreed not to pay the debt but I won't pay for something I never authorized and no one can provide me the proof that I authorized it. It's sad because the have become such a monopoly in my area that I have no choice but to do business with them because there aren't any other options as far as cable and internet service goes. They use this as a device so they can treat customers poorly and do fraudulent activity on their accounts. XXXX is truly a poor cable and internet service provider. They are unprofessional and refuse to investigate accounts at the consumer 's request. They have violated my rights as a consumer.

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 2019-07-30 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I HAVE MADE ARRANGEMENTS FOR HARDSHIP. THEY DEDUCT A CERTAIN AMOUNT OUT EVERY MONTH, AND THEY KEEP REPORTING ME LATE. ACCOUNT SHOWS DELINQUENT 90 DAYS NOW. EACH TIME THEY DO THAT MY SCORE GOES DOWN. I WAS TOLD THAT THE REPORTS WILL UPDATE WITHIN 3 MONTHS OF MAKING CONSISTENT PAYMENTS AND THAT HAS NOT HAPPENED. I HAVE CALLED MANY TIMES TO GET THIS RESOLVED AND THEY HAVE NOT FIXED. 

THEY NEED TO UPDATE REPORTS AND ACCOUNTS TO A CURRENT STATUS OR I WILL KEEP DISPUTING AND ALSO WRITE TO THEIR LOCAL NEWSPAPERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Certegy Holdings, LLC
State: AL

Complaint narrative:
I lost my debit card and had to use my checks until I received my new card. On XX/XX/2019 I was told that my check was declined by Certegy Payment Solutions, L.L.C. I called and requested information as to why. One week later I received a letter with reason number 4 risk factor which read as ( This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which can vary by store and transaction. Factors may include a combination of : the check number, dollar amount, check-writing history, or other transaction details. Generally, these guidelines do not include your account balance because banks typically do not provide it to us. ) Since I didn't fall under any of these categories I called Certegy for more information and was told that the only other reason they think my check was declined was because I've never written a check before at this place, so they assumed it was fraud even though I provide them with my license. And that I would still be considered as a RISK FACTOR. I do not for the life of think that this is fair, and as humiliating as this was I couldn't help but think I am labeled risk factor because I am XXXX American. How can I get Certegy to remove this negativity from my file so that if were my debit card again and try to write a check it will be accepted / not declined?

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 2019-07-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has re reported information on my report and it is damaging my credit worthiness. The accounts XXXX XXXX XXXX and XXXX XXXX XXXX was deleted from my report XX/XX/2019. To date it has been replaced on my reports and I received no notifications of it being put back. Per FCRA 611 ( a ) ( 5 ) ( B ) Credit File report ending in # XXXX they are to notify me if they are placing an item back onto my report. 

I spoke with a Manager who insured this would not happen again, and it did. There is a XXXX balance on the account.. 

I request that these 2 accounts per FCRA 611 ( a ) ( 5 ) ( B ) be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
A check deposit of {$4000.00} was made to my checking account on the morning of XX/XX/XXXX, a hold was then placed on the funds and they were not made available in a reasonable amount of time. Today is XX/XX/XXXX and the entirety of the check is still on hold. It has been seven business days and nine calendar days. I have called both banks and no help or insight as to why my funds are being held has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Approximately 3 years ago I was informed by the DMV of Florida that my address and driver 's license information was compromised. They could not give specific information but told me this was the case. Further details are that I applied for a HazMat endorsement on my license and was waiting about six months and never received it. I went to the DMV to inquire why and they asked me was I still living in XXXX XXXX Florida at a street address that I do not remember. I told them I have never lived in XXXX XXXX Florida and asked them when and how was my address changed and they had no specific information just that my driver 's license had gone there. Since there was nothing I could do about it I forgot about it until a series of data breaches of my bank accounts occurred over the intervening years since. I recently had to open a new bank account because of this problem yet again. Because my personal information is out there and I can not get it back I anticipate this perhaps being a problem for many more years to come. When I was made aware that the automatic payment did not reach This credit card issuer I used another means to get the account corrected. It was not 30 days late however that information is incorrect. I was assured that it would not be a problem. Considering this agreement which I should have gotten in writing I do not think reporting all of these supposedly late payments is correct or Fair and should be removed.

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 2019-07-30 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have a medical debt that I paid in full. When I first made arrangements to completely pay off the debt. I was told that they would fully remove the Collection from my credit report only if I paid the entire balance owed. I was given the opportunity to make a payment arrangement and make payments of XXXX per month until the entire balance was paid. I made all payments and even finished paying the debt back a month earlier. Today XX/XX/2019 I ran my report and the debt is still reporting on my credit. The balance looks like it is up to date but the debt is still reporting as a collection. Per the representative it should have been removed. I called CMRE Financial Services and they told me that they can't remove it that it is up to the credit bureaus to do it. I was mislead from the beginning and the statement about not being able to remove the item off of my credit report is hurting me with having to finance higher rates and not being able to qualify for new loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX an acquaintance said he would send me XXXX dollars from his bank to mine and to send the money to him through his XXXX. I received the money and sent said money to his account. Today on XX/XX/XXXX I received a XXXX dispute for {$450.00} leaving my account at $ XXXX. After calling chase they said they could not do anything due to me sending away a fraudulent amount that I had no idea was fraudulent they said they couldnt do anything and that I would owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KBHS Home Loans, LLC
State: AZ

Complaint narrative:
We ( my XXXX year old mother and I ) have been trying to buy a house since XX/XX/XXXX ( date of the earnest money check ). We are buying a KB Home and financing with KBHS. This financing company has been so incompetent. The loan officer did not know why I wanted to know the APR. I had to tell her several times how much money we wanted to put down before she got that correct on the closing disclosure. We were supposed to sign on the XXXX of XXXX. We were told all the papers were on the underwriters desk and that all we were waiting for was a signature early on the XXXX, only to be told later on in the afternoon that the closing would not happen until the XXXX of XXXX - no explanation given. We signed on the XXXX and were told we would get the keys to the house on the XXXX of XXXX. Now the finance company wants a covered policy binder from my insurance agent who sent them " evidence of insurance for mortgagee '' on XX/XX/XXXX. So now I have no access to the house, furniture arriving, and utilities scheduled to be turned on, and they are quibbling over a date on an insurance policy. I can not believe this is not something that should have been resolved a long time ago.

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 2019-07-30 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: WA

Complaint narrative:
On my XXXX Credit Report : XXXX XXXX XXXX has three ( 3 )  accounts listed as closed : Negative, XX/XX/XXXX, Paid, XX/XX/XXXX, Negative, XX/XX/XXXX. I have an account in collections listed as XXXX XXXX XXXX listing XXXX XXXX XXXX as the original creditor with an Open Date of XX/XX/XXXX and a balance of {$6900.00}. This is an old account, can not be verified and needs to be removed. 
XXXX XXXX XXXX Shows an account in collections for {$2500.00} that was opened on XX/XX/XXXX with an original Creditor of XXXX XXXX XXXX. I lived in those apartments over 6 years ago and was completely unaware of any debt, this needs to be verified. 
XXXX XXXX XXXX . is listed for collections with an original creditor of XXXX XXXX XXXX  XXXX XXXX. for {$1000.00} with an open date of XX/XX/XXXX. I have no collections with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX listed as a closed account in XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: TN

Complaint narrative:
Spoke with my Mortgage Servicer today and I was informed I have a foreclosure property sale date set for XX/XX/2019. I have not received mail from my mortgage company or the foreclosure attorney. Home Point still has the wrong mail address for my mail address of which is my home address. I recently submitted financials and request for mortgage assistance and I have not received any mail from the mortgage company. I requested several times for the last year and a half to please correct my mail address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
The company is Midland Funding XXXX, they are rude & obnoxious. Accusing me of check fraud, they have a lady who calls & says she is from a county office using a bogus XXXX area code cell phone, she doesn't identify the county or office she is with, I tried to call number back but no answer or any other info all she has is a case number & XXXX number for Midland. When I called the XXXX number I was threatened with legal action, accused of being a thief. The lady called a second time & left me a voice mail threatening to harass me at my employer. I am not sure what this loan is, but when I called they said well you only owe XXXX & if you don't pay it we will sue you for 5 times this amount. I told the man on the phone that I have had identity theft & I can prove that my information has been used illegally, he basically told me I was lying. I told him if he was legit he would be familiar with the protocol in this situation. He got really mad at me & told me they would hire an attorney & sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a business checking account with Bank of America since more than 10 years. I recently deposited a cashiers check at an ATM of more than {$5000.00} from a credit union on XX/XX/19. The bank has put a hold on the complete amount till XX/XX/19. I called their customer service line and spoke to XXXX today. I was told that nothing could be done to release the amount earlier because they had not been able to verify the check yet.

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 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
a years worth of collection robo calls to my number. I have excellent credit and have no out- standing debt. genesis debt collection agency out of washington state. a bout a year prior i received messages to my then new number ( still current number ) from a landlord trying to get money, obviously from the numbers previous owner. i do not want to speak to these people since i read much disturbing information about them. plus it has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
i have been fooled by a shady financial institution, and they dont stop calling me, they are a financial institution that loaned my car and when i halted my payments, they towed my car, i have been paying my car for one year on a wrong social security number, that s why i stopped paying, but they were not correcting it even though i sent them the necessary documents such as copies of my ssn card and passport and my XXXX XXXX XXXX Card. i spent on lawyer to help me but they also gave him a hard time till he had to tell this company that he was going to call the police, i spent {$1200.00} on lawyer s fee and when they corrected it, i was reinbursing it but they said they do not do such reinbursement and they have told me that they already pulled my car, my concern is as follows : 1. if i applied for a bank loan or a job, can i put my name with a different social security number? it will not match or it will come out an error, right? 2. why didnt they want to correct it? 3. how did they manuever in having my name in a false ssn? 4. they run my correct ssn when i applied for the auto loan, so indeed they had the correct social security number, why did they input a different number? 5. this is a fraud transaction 6. they falsely destroyed my credit profile, 7. every single payment i made monthly, they never emailed or send in the mail an official receipt. 8.since this is a fraud transaction, i demand them to return all my car payments, including my downpayment and my lawyer 's fee. 9.they have a judgement conviction in New York with the Dept of Consumber Affairs handled by Ms. XXXX XXXX and XXXX XXXX , https :  XXXX, just wondering why no one can help me in this matter? i have filed complaints with XXXX, Dept of Social Affairs and Consumber Report to the FTC i will appreciate if i can be heard on this matter, i have tried so hard to communicate with the different government agencies for help including Dept of Social Oversight and this has been ongoing for 2 years now! please help me..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX and XXXX, 2019, I attempted to apply a security freeze on my credit report using Experian 's website. Submitting all my information correctly, I receive the following response : We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered They want me to do this through the mail with various forms of documentation, which is not entirely secure. It's also not within the time frame of which they should allow me to carry out this type of action.

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 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: TX

Complaint narrative:
XX/XX/2019 my spouse and I made a joint application for a mortgage with Supreme Lending. We received our pre-approval letter for $ XXXX. Without notice they ( Supreme Lending ) removed me, so it was only my spouse as the borrower and suddenly I was not on the loan! Supreme no longer included me in communications, emails and even needed me to " gift '' my spouse an additional $ XXXX more than the $ XXXX I already had to reach the $ XXXX needed for him to be able to purchase the home we found. I was ignored when asked why I was removed from our joint application. I never received a letter declining credit ( I thought required by law within 30 days of applying for credit ), where there would have been explanation and given me recourse to dispute the decision. I asked Supreme in writing to supply me with that letter stating why I was declined, since I had been removed, I was legally entitled to a letter explaining why I was declined credit. Now to add me to the mortgage we will need a new mortgage, new closing, also new closing costs and a new interest rate, so more money, yet the first mortgage there was no explanation to why I was removed. We had one house during this home shopping that we as a couple decided not to purchase. When we did that,  Supreme Lending did send a decline letter. That letter was sent to only my spouse and the explanation was buyer changed mind ( or something along that verbiage ) either way they excluded me but followed credit law and sent letter explaining why credit was not being granted, but only to my spouse not to both applicants. Since getting the mortgage with Supreme I have written to them and asked for the letter they should have sent and the only letter Supreme sent was the letter Supreme sent to my spouse. Supreme never sent anything to me to explain my standing. My credit was hurt by the hard-hit inquiry from our joint credit application, then no credit being granted and the future expenses to correct this. What recourse do I have against Supreme Lending for how they discriminated against me? Also I believe by the total disregard to women they do this to others as a way of business so there are others being hurt and will continue to be hurt.

Company response to consumer: Closed with explanation