vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
I sent a letter to OAC Collection Specialist dated on XX/XX/XXXX XXXX XXXXfor an amount of {$310.00}. I ask them to verify and send me a breakdown of fees. In addition, to provide me a copy of my signature with the provider of service to release my medical information. This is an error on their behalf. I am disputing this to the Credit Bureaus as not been verified. This bill does not belong to me and I am requesting for proof of this bill.

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 2021-01-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  report # XXXX XXXX  report # XXXX Transunion file # XXXX I am filing a complaint because XXXX, XXXX, and TransUnion have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( 11 ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this matter as soon as possible. Thank 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 explanation
Consumer complaint received 2021-01-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX  report # XXXX Equifax report # XXXX XXXX  file # XXXX I am filing a complaint because XXXX, Equifax, and XXXX  have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( 11 ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: OK

Complaint narrative:
I've tried over the course of the previous 3 months, at least 4 times to enroll in the budget drafting system at Amerihome Mortgage Company. I've easily enrolled in this program 3 times with other mortgage service providers. I believe, at this point, that they are intentionally making it difficult for us to enroll in a program that will help us reduce the term of payments for our loan. They continue to ask me for the same documentation over and over, which I provide. Then after they wait a period of time, they tell me the documentation I provided is now outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: NY

Complaint narrative:
I charged a purchase for about {$13000.00} to have a 3 D video made for me on XXXX XXXX  XXXX  and a potential XXXX cure. I am not disputing this charge but I have had no ends of problems with Citibank that issued my card. 
I did not use this card very often and had this card set up on an automatic pay the full balance method of paying the bill each month. I forgot about the pay all agreement and when the next month came - Citibank tried to put through the full balance. My bank rejected this attempt since I don't carry that much money in my account. 
My XXXX, XXXX  XXXX XXXX, contacted me about the problem on XX/XX/XXXX or XXXX. I called Citibank customer service about this problem and they agreed to change the automatic payment retroactively to pay the minimum balance versus the whole amount. Because they had overdrafted my account, the minimum charge didn't clear because they didn't reverse the $ XXXX charged against my account as promised. I found out that they charged the $ XXXX again on XX/XX/XXXX & I called them again on XX/XX/XXXX. They said they needed to talk to my bank to resolve the problem but wouldn't resubmit the $ XXXX again. They have no resubmitted over and over again and say they have no way to correct the problem - which is absurd. I also got a collection call again saying my payment wasn't made I tried over and over again to explain the problem and our agreement but she wouldn't listen and hung up on me. I can't get them to stop overdrafting my account over and over again. Our bank account is a mess and we are being charge overdraft charges plus late fees over and over again. I spoke to the consumer call center and the manager at the center in the XXXX three times now and they say there is nothing that I can do about this. We are desparate. They are taking all our money after I agreed to change the way our account is billed. They are paying no attention to me at all. They have now resubmitted the $ XXXX amount against our account a total of 13 times! Please help! I am XXXX years old and this is going to cause me to have a XXXX! My wife is beside herself and we are in a loop that t hey refuse to resolve - harminng us over and over and over again.

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 2021-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I had to re-sign e-docs several times because of not adding taxes in ( which is an understandable & fixable mistake ), then to resign because of closer computer issues. Then it was confusing if I needed to resign again after rescheduling hard copy Notary visit to home for signature to Title Company. 
Then, meanwhile ... .I was approved for 100 % XXXX to get my Property Taxes waived and no one ( Loan Processor, Originator & Closer ) couldn't tell me where to send my Verification Letter from VA. The Loan ProcessoXXXX vaguely pointed me back to the direction of Lakeview Loan Servicing Company. So, I tried several times for many days to try to find the correct email to send VA letter. I couldn't get in touch with Lakeview Loan Company so after about 2 weeks I finally figured out on my own through several phone calls and looking through hard copy of the Notary visit the Servicing Company and after being transferred a couple of times, I found the lady that could put me on hold & take the time out of her day to help her customer with a very legitimate inquiry. Come to find out that I needed to send the verification letter to none other than the Loan Processor, Closer or Originator ... go figure?

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 2021-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
RE : Loan # XXXX. 
XXXX XXXX I submitted a request with Carrington Mortgage Services , LLC ( CMS ) for a refinance on XX/XX/2020. To date I have not received a letter of denial or approval. I made payment for an appraisal. However the company that conducted the appraisal, appraised my house below market value using compatibles of homes 15 years older than mine. The appraisal listed my house as a 3 bedroom when in fact my house is a 4 bedroom. The housing market in my area has increase with the past year. And I had an appraisal done on house within the past year from another company which was valued at {$310000.00}. The company used by the lender valued my house at {$290000.00}. I researched the Appraisal company used. The company XXXX XXXX XXXX XXXX XXXX XXXX, has had a complaint with the XXXX XXXX XXXX within the last 12 months. 

To date I have not received any response of my request for status of application after making several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had a dispute on a charge on my credit card for a service I signed up for but had canceled 7 days after because of lack of communication and the difference between the paperwork and what was offered on the website to name just a couple of the reasons. 
I sent their paperwork to Chase which showed I would not be registered until I got a release from my doctor, they temporarily removed the charge because instead of the company refunding my money they let it stay on my card. The company cut off all communication. 
When I filed a dispute with Chase I gave all the contract paperwork. The company had a deadline to respond, which apparently they did, with a few of the pages ( not all ) from what I sent of the contract. I did not know until after Chase put the charge back on my card that the company had responded. Apparently, they had sent an email to me telling me to look into the docs on my account which had gone into the junk file. There was only this one notification. 
When I called Chase after seeing the charge again, I was told I missed my deadline to respond to what they sent even though Chase already had all the documents that I highlighted where it states, I would not be registered until a medical release was provided. 
Chase then told me to send them any new information I had and it would be reviewed. I immediately re-sent all the pages I had sent before plus an email from the Vice Mayor of the town where they advertised one of the properties that people would be staying at showing it was now vacant and the complaint # with the AZ Attorney General 's office I filed. 
When I called yesterday, I was told that Chase decided to allow the charge because I had missed the deadline, not because they had reviewed the documents I sent. And now in my Chase file, the notice from Chase says, " we will not respond to future correspondence from you about it. '' and they have removed all their correspondence and what they received from the company prior to this decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I logged in to pay my bill in XXXX, while sick with COVID, and apparently I didn't submit the payment all the way through. I am sure Comenity/XX/XX/XXXXcan see that on their end. I was issued a Late fee of {$29.00} & Finance Charge of {$4.00}. 

I went to use my card, it was declined, so I went online, made the payment & called on XXXX to ask for the fee to be removed. XXXX said first time goodwill adjustment was only for {$15.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
National Credit Systems is a debt collection agency that has been given ( according to FCRA ) more than 30 days to do an investigation for proof that legally ties me to the debt they are reporting on my credit report. I have sent certified letters to this company for proof and they havent sent anything with my signature or an original contract. I have also sent what this company has sent me to the credit bureaus as well as a statement to remove immediately. The credit bureaus have not removed even with the proof and says that according to the FCRA, they have to give the collection agency another 30 days to investigate. That is not how the FCRA operates. I need this collection agency, National Credit Systems, removed permanently from my credit report bc they can not and will not show proof of debt. 


Below I have uploaded the debt validation letter I sent to the collection agency as well as what the collection agency sent me back after their 30 days. Also, I have uploaded the letter I sent to the credit bureaus and all the other documents were sent to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: ID

Complaint narrative:
End of XXXX or Beginning of XXXX they called my cell phone I had Covid and was winded and could barely talk so I handed the phone to my sister ( boyfriends sister ) and when they asked if this was XXXX she said no the employee went on to give out information including payment, told her it was past due, asked her for a payment at no point did they ask for any identifying information to make sure they were talking to me this is a real problem so the next time they called I confronted the employee he apologized however I wanted the issue fixed so I got in touch with the district manager who got my side and then the employees but they differ as to what happened so all they are willing to do is remove the late fee I dont feel this is reasonable because weather Im right or the employee is right they still did not identify identity before releasing information

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 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
A letter dated XX/XX/XXXX was written explaining that this debt was mine and opening a investigation on this debt. The 30 days that is given by The FCRA guidelines to the credit bureaus have come and gone and now would like to have this removed from my credit report for being in violation of the FCRA. Have included the attach letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: VA

Complaint narrative:
im am being charged by harvard collection service and the orginal creditor was XXXX and i had sent cfpb information on this account and i got a letter 3 yrs ago that it was not owed. now they are coming after me again for the money they say i owe. XXXX is saying i owe XXXX and they want to settle for XXXX and it has been aredy written off the letter i received today is dated janurary XXXX. they are telling me that this was done 3 yrs ago.and i dont owe this money .and im not paying for something that i had sent your company before about this matter XXXX  wrote it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/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 2021-01-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I took out 2 loans through XXXX XXXX  XXXX in MO in XXXX of XXXX and XX/XX/XXXX. Which the bank didn't report to the credit bureaus. We sent the payment schedule and complete payoffs, that the bank sent to me, requesting that my credit score be adjusted accordingly. 

XXXX  stated that the dispute over not adjusting my credit history and score, couldn't be done because they couldn't verify the information that the bank sent me, and I forwarded to all 3 bureaus. This information was sent to me by the bank and was on their letterhead. I haven't heard from the other 2 bureaus as of today. 

All I'm trying to do is get the information added to my account so that I can go forward in reestablishing my credit history. And as of now I have no credit scores.

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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I took out 2 loans through XXXX XXXX XXXX in MO in XXXX of XXXX and XX/XX/XXXX. Which the bank didn't report to the credit bureaus. We sent the payment schedule and complete payoffs, that the bank sent to me, requesting that my credit score be adjusted accordingly. 

XXXX stated that the dispute over not adjusting my credit history and score, couldn't be done because they couldn't verify the information that the bank sent me, and I forwarded to all 3 bureaus. This information was sent to me by the bank and was on their letterhead. I haven't heard from the other 2 bureaus as of today. 

All I'm trying to do is get the information added to my account so that I can go forward in reestablishing my credit history. And as of now I have no credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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 did not properly investigate my Dept of Education XXXX and U S Dept. of Education / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX IS REPORTING DEROGATORY ON MY CREDIT REPORT SHOWING A BALANCE AND PAYMENT HISTORY. THIS ACCOUNT SHOULD BE REMOVED DUE TO THE FACT THAT THIS ACCOUNT WAS DISMISSED IN COURT XX/XX/XXXX. THEY ARE IN VIOLATION AND NEEDS TO BE REMOVED. I'VE CONTACTED THE BUREAU REGARDING THIS. IM TIRED OF BEING TREATED THIS WAY. 

XXXX SOLD THIS ACCOUNT TO XXXX XXXX XXXX AND HAS REPORTED INACCURATE INFORMATION. DATE OF LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED, REPORTING THE ACCOUNT AFTER CLOSED. THE ACCOUNT WAS CHARGED OFF IN XXXX AND IT CONTINUED TO REPORT XXXX AND XXXX. THIS IS A VIOLATION PLEASE REMOVE! 
RECEIVED AN UPDATE ON XX/XX/XXXX SAYING THEY UPDATED INFORMATION BUT NOTHING HAS CHANGED

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 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX a Citibank web transfer of {$70000.00} from XXXX checking account XXXX to a Citibank savings account XXXX was initiated. On the same day, I received a Citibank email indicating that Citibank received the transfer request and I should expect to see funds in destination account within 3 business days. On XX/XX/XXXX I received a Citibank email indicating that the funds could not be deposited into XXXX XXXX account XXXX. Between XX/XX/XXXX and XX/XX/XXXX I contacted XXXX 5 times and Citibank 6 times trying to get the funds either deposited into my Citibank savings account or returned to my XXXX checking account. With Citibank unwilling to resolve the issue and blaming XXXX and XXXX, I contacted CFPB who recommended opening a complaint. On XX/XX/XXXX I opened a CFPB complaint ( XXXX ref. for further details ). Then a miracle!! The very next day I received a Citibank Email ( see attachment ) indicating the funds will be deposited back into my XXXX  checking account. On XX/XX/XXXX {$70000.00} was deposited into by checking account. 
Thanks CFPB!!

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