vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 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: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I am super frustrated. I submitted a complaint last month to CFPB and the situation has worsened. I purchase a home with a conventional loan through XXXX XXXX company who then sold the loan to Home Loan Servicing out of Idaho. Who doesn't seem to work within FCRA guidelines. I inquired about the forbearance program for my first mortgage back in XXXX but, continued to make my payments, I have requested they remove the remarks regarding it is in forbearance so I can refinance the mortgage, see attached, My major issue I need help with is I purchased the home using down payment assistance which I signed paperwork acknowledging it was to be recorded as a lien but, signed no paperwork regarding it ever be reported to the credit bureaus. See attached. Adding insult to injury is it says it is currently being reported in forbearance. This is not acceptable. I ask they be forced to comply with FCRA and the signed agreement between us. There are no payments due, ever on this loan. Look, I never agreed to just give anyone free reign to report just whatever they want on my credit. This down payment assistance needs to be FORGIVEN and me be COMPENSATED for the damage to my credit rating. I went to XXXX website and NO refinance is allowed with reference to a forbearance. For reference here is their definition used. " A forbearance plan provides for a period of reduced or suspended contractual monthly mortgage payments, followed by a full reinstatement, mortgage loan payoff, or another workout option to enable the borrower to resolve the delinquency '' There are NO contractual monthly payments on this silent second. I am at my wits end, I bought this home right after college, I know what I signed but, am powerless to enforce FCRA rules on a giant corporation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
On or about XX/XX/2020, I called to make a payment and as I said hello, the representative ( XXXX ) said, " XXXX XXXX, '' on an open line. I'm not sure if I was interrupting her or what exactly was the issue ; however, but this is a clear violation of the FDCPA. I am behind on my account and was calling to make a payment she did give me the phone number to call but didn't give me the account number so I had to call back. When I called back I encountered, XXXX who had a defensive demeanor, he refused to provide his full name and the previous representative 's name. I can't recall if she provided it, or if I forgot because of the opening of the call. After I explained that I would be making a complaint he gave me his name and offered to transfer me and provided his name as XXXX then he gave me a Manager/Supervisor : XXXX. I spoke with XXXX and he went over my account explained that I should not fall more than 3 months behind but didn't give any information as to what would happen if I did. I currently work for the XXXX XXXX and have been since XXXX, I was receiving unemployment and that has stopped they are aware of my situation. I was placed on a 3 month hardship but it ended, I do not recall receiving a reminder that my moratorium would be ending and to begin making payments again. I do believe I'm being charged for late fees. I've had other problems with this creditor. I wanted to make this complaint to go on record about the abuse. The manager stated he would coach her ; however that doesn't resolve breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have two credit card accounts with Chase. One account has a $ XXXX limit which I use frequently. The other account has an approximate $ 6k limit which I never use. Chase has no record of the $ XXXX account. 

In XXXX, I lost the credit card to the $ XXXX account. I couldn't get an employee on the phone, so through their mobile site I requested a new card and turned off the old card. This month, I mistakenly missed my payment window. My payment was due on XX/XX/24 and I was attempting to make a purchase on XXXX. My credit card was declined a purchase on the account although I have a $ XXXX limit and $ XXXX balance. 

When I log into Chase 's mobile and desktop sites, my credit balance is {$6500.00} with {$0.00} available credit. Chase 's customer service representative refused to transfer me to a manager and attempted to solve my call herself after I requested to speak with someone else multiple times. 

The rep and the Supervisor I was transferred to can not locate the second account. None of their systems reflect the second account. In addition, they can see my credit limit is $ XXXX, but it is not reflected in any statement documentation, mobile or desktop sites for customer information. In addition, the bank did not reach out to me to notify me my payment was late and my limit would be reduced by almost $ 15k until a payment was made. There are no messages on their site to me noting the reduction of credit limit until payment is made. 

While I was on the phone with the Supervisor, he noted it may take up to 48 hours for my payment to clear, my limit be changed and account to be usable again. I thought the regulations required payments to clear the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XXXX, account number XXXX was hacked. Chase helped me straighten it out for it only to be hacked again 3 days later. Chase advised it would be easier and safer to open a new account. We did so on XX/XX/20 ( account number XXXX ). At that time, I was told NO more charges were to be put through on XXXX. 
Chase decided to restrict the new account ( XXXX ) and no transactions would go through. A deposit in the amount of {$990.00} was placed into the new account and held by Chase. When they finally released the money, it was {$470.00} short as they claim there were outstanding negative balance on the old account XXXX. There should NOT have been an old balance as at the time of opening the new account, that account was at a zero. Again, I was assured that no new charges would go through. I have a paper from Chase stating that.

I've spent over 30 hours on the phone with Chase, no one wants to listen and no one will help.

I've taken my complaint to the executive offices and they claim to help but, do not return calls when promised and are not much help, at all. 
I'd like my money that Chase should not be holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
PHH Mortgage XXXX XXXX services my mortgage. I paid my account one day early and they misapplied my payment as a principle only payment. They are unable to correct this problem. It has been over a month and they still haven't resolved the issue. I have called every day to ask about a status update with no new news to report. 

The reason this is a huge problem is because I am in the middle of refinancing my loan and unable to get a payoff quote. The loan was supposed to close today and they are unable to fix the problem. This is causing me money because I have paid for a rate lock and I am not able to close on my new load.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Due to Covid 19, a payment was posted to the wrong Bank of America account of mine, both under a Balance Liquidation Program. The collections manager made a deal with me that if I paid the account current that she guaranteed removal of the 30-day late  credit reporting. I complied. 

I then received a letter refusing to remove the reporting as I am under a balance liquidation program. 

The manager made an agreement with me to remove the 30 day late reporting in exchange for the payment. The Bank of America is obligated to keep the agreement and remove the 30 day late reporting.

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 2020-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app has inconvenience me on all levels. 
All my purchases are being declined, can't reorder new car, website not working, and they need a representative for calls this just XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
On XX/XX/2020 I bought 2 mattresses for a total of {$990.00} at the XXXX XXXX store ; In the negotiation with XXXX XXXX ( seller of XXXX XXXX ) financing through my credit card for a total of {$1200.00} which can be evidenced in the videos of the place that day. 

They began to give me discounts for {$95.00} biweekly until reaching the sum of {$1200.00}, after this, I received a call and an email from ACIMA,  notifying me that I had a debt with them for approximately {$1200.00} more For which I present this complaint of fraudulent sale since at no time did the seller of XXXX XXXX " XXXX '' inform me of this ACIMA company and less of its financing plans. 

This company ACIMA sent me via email a document where my signature is displayed, which is false since I never had knowledge of the said company, they created an electronic signature without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: MT

Complaint narrative:
On XXXX, I paid {$740.00} to Medical Data Systems to settle a debt that Medical Data Systems had purchased from a hospital in XXXX, Texas. ( Email proof of payment attached in documents ) On XXXX, I received a letter in the mail from XXXX XXXX ( attached in documents ) suggesting that I owe them {$730.00} for the same debt that I already paid to Medical Data Systems a year ago. 

I contacted XXXX XXXX informing them that I had already paid the debt. They told me I need to show them verification, so I emailed them the proof of payment emails and they have been unresponsive ever since. After doing some research, I discovered that this is a scheme that XXXX XXXX has been participating in frequently over the past year. And I came to discover that their false claim appeared on my credit report two months ago and has already had an adverse effect on my credit.

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 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Account Number : XXXX Payments and Other Credits XX/XX/XXXX XX/XX/XXXX PAYMENT - THANK YOU XXXX - XXXX XX/XX/XXXX XX/XX/XXXX PAYMENT - THANK YOU XXXX - XXXX TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD - {$1500.00} Finance Charge XX/XX/XXXX XX/XX/XXXX PURCHASE *FINANCE CHARGE* XXXX TOTAL FINANCE CHARGE FOR THIS PERIOD {$18.00} - Paid off account on XX/XX/XXXX. 
- XXXX charge on XX/XX/XXXX. 
- Contacted bank and discussed same. Told that finance charge/s will drop after 3 additional billing cycles. 
- Understand what you said. But, balance is XXXX on XX/XX/XXXX. Why the finance charge on a XXXX  balance? 
- Request response to help understand. 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 2020-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: PA

Complaint narrative:
I pulled a credit report on XX/XX/XXXX and noticed 2 charges from Receivable Management Group on there, one for XXXX and XXXX. I have never heard of this company, or been contacted by this company. So I called the number listed on the report on XX/XX/XXXX. I asked what these charges were for. They couldn't give me specifics but stated it was for services a company called XXXX XXXX XXXX provided. I asked for a statement of charges or verification of charges. They also gave me a number for XXXX XXXX XXXXXXXX  along with an account number - and asked I call them for more info. So I did. When I did, they noticed the one charge for XXXX was billed under my maiden name, and to an address I haven't lived at in over 10 years. But they let me know it was XXXX  services for the time I went to the ER over a year prior - service date of XX/XX/XXXX. I stated to them I had insurance with XXXX XXXX XXXX which was provided to the hospital at the time of service. All other outfits billed insurance accordingly. And I had the statement of benefits from that time and XXXX XXXX XXXX never even billed insurance. Nor did I ever get a bill from them directly. I gave them my insurance info, and the associate there said they would submit to XXXX XXXX XXXX directly. I asked them to remove this from collections as it was their error and they refused. They did say once payment is received from insurance, likely within 30 days, it will be removed. So I waited 30 days. Called XXXX XXXX XXXX  again on XX/XX/XXXX and spoke to another associate. They stated they did not even submit to insurance, that it is still being reviewed. I said it was unacceptable as this is not my debt and is causing my credit harm. She asked for my insurance information AGAIN which I provided, and she said she would escalate and get this submitted again. I waited another week, and called my insurance company, to see if any claims were submitted to them by XXXX XXXX XXXX, and they did not see anything. XXXX XXXX XXXX even called XXXX XXXX and spoke to someone whom again asked for all the insurance information and even asked for the address to mail the claim. Then stated they would submit this for insurance because again it still hasn't been done. This is not my debt. This outfit is in network and had they billed insurance properly to begin with they would of been paid in full by now. And they are clearly stalling and damaging my credit because of their mistake. This is legally not my debt.

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 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northwood Asset Management Group
State: MI

Complaint narrative:
I had a personal loan that was transferred over to Northwood Asset Management Group after missing a payment for 61 days due to the current global pandemic. They have repeatedly called me and my place of work making threats about garnishing wages and suing me over 2 monthly missed payments. Mind you, I was not notified about this change and had no idea who they were. On XX/XX/XXXX they called me again and threatened me by stating they would take me to court if a payment was not made. They then sent me an authorization form for my approval to remove funds from my account the first of every month in which I did NOT sign or give my approval. Come XX/XX/XXXX, they withdrew {$300.00} from my checking account that was not authorized. On XX/XX/XXXX, I called to find out their reasoning behind this and was threatened again and told " they would come after me '' and send my employer tax forms to garnish my wages and that if they received a XXXX for every person using the pandemic as an excuse - they'd be rich. I asked why he had zero respect or understanding as to what was taking place and why he felt they could process any payments without my authorization. He then proceeded to threaten me with the " tax forms '' being sent to my employer again and actually hung up on me by saying he has been nothing but respectful to me during this time and will not continue any further conversations with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MT

Complaint narrative:
On XXXX, I paid {$740.00} to XXXX XXXX XXXX to settle a debt that XXXX XXXX XXXX had purchased from a hospital in XXXX, Texas. ( Email proof of payment attached in documents ) On XXXX, I received a letter in the mail from MBA Law ( attached in documents ) suggesting that I owe them {$730.00} for the same debt that I already paid to XXXX XXXX XXXX a year ago.

I contacted MBA Law informing them that I had already paid the debt. They told me I need to show them verification, so I emailed them the proof of payment emails and they have been unresponsive ever since. After doing some research, I discovered that this is a scheme that MBA Law has been participating in frequently over the past year. And I came to discover that their false claim appeared on my credit report two months ago and has already had an adverse effect on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I had been a XXXX XXXX customer for over 10 years with a scheduled automatic payment plan set. Therefore never missing a payment. Once XXXX XXXX XXXX purchased XXXX XXXX they begin taking the automatic payments and applying it all to their account. I will upload the log that shows I tried numerous times to resolve the issue with both XXXX XXXX XXXX and XXXX XXXX. Both acknowledged that I was correct but stated it was the others company responsibility to take corrective action. After going back and forth with them I decided to close the account. I do not owe this amount. My Internet service was only {$39.00} a month. Besides it is impossible for that bill to be {$670.00} when that portion was only {$39.00} monthly. And the bill was current when I closed the account. I am caught in the middle of two giants. Both sides kept stating that they will look into this matter and concluding that I was right yet it always resulted back to them pointing the finger at the other for having the responsibility to correct how the funds were allocated. And each month I was flagged as being past due. I tried to get this removed from my credit report but was unsuccessful. Credence Resource Manage refuses to delete it. I am contacting CFPB for help to get this removed from my credit report. I am a responsible Veteran who is also a responsible consumer. I upload sheets of paper that I maintained customer service reps names, dates, and outcomes. It shows how I was repeatedly hang up on and lied to saying they will fix it but never did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I signed up for a TD account offering a {$300.00} bonus for direct deposit requirements being met. I opened the account through the " Get Promotional Offer '' link. I have attached a screenshot of the offer. I fulfilled all requirements for the bonus, including direst deposits from my employer. However, TD has not awarded the bonus. This is a bait and switch scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
Just saw an incorrect open account from XX/XX/2020 from XXXX XXXX XXXX XXXX list with a collection agency called Amsher collection that I have no knowledge of. And, did not open any account with a communication company on XX/XX/2020. 

In addition, never received a disclosure in accordance with Federal Truth in billing or credit reporting act as a matter of law. 

Please have it remove now in good faith and follow FTC guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation