vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I.C systems is trying to collect debt of {$900.00} from me for a medical bill they claim I owe. I previously wrote a letter demanding that they comply with the fair debt collection practice act and fair credit reporting had this removed from the credit report and it continuously get placed back on my reports. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the 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 2021-06-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM XXXX XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I started disputing with the bureaus on XX/XX/2021 ; there have been multiple accounts reporting inaccurately that I have been trying to get removed and repaired. Since the bureaus didn't send me anything within the 30-45 days, I sent another dispute on XX/XX/2021 and still haven't received anything. So now I am filing this complaint but the lack of responses from the bureaus is getting very frustrating and delaying the process for me on other items!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX Redeemed XXXX XXXX XXXX XXXX points for {$25.00} to be applied to mortgage held with Fifth Third Bank. Told to allow up to 14 days for redemption to post. 

XXXX 18 days ( 4 days past deadline ) and redemption is still in " In-Progress '' status. 

XXXX Filled out " contact me '' form. Asking to find out why redemption has not posted. 
Told to expect a response within 48 hrs. 
XXXX Still no response so I filled out another " contact me '' form XXXX I missed the call from XXXX. I called back and left a message to call me back. 

XXXX Representative called. She said they had tried to call back on XXXX numerous times - however that number was no longer in service ( land line # that I had discontinued over 3 yrs. ago ). I don't understand why the old land line phone number was the one on file. Everytime I would redeem points I was required to put in my phone number - which was my current cell number. 
I asked why they didn't send me an email telling me they needed an updated number. Again - every redemption requires an email verification. Rep agreed that they should have attempted sending an email. 
Rep. told me a priority email would be sent to the Mortgage dept asking for an explanation. That a response should be forthcoming within 48 hrs. 

XXXX 48 hours have gone by - no response - no phone call. 

XXXX I called XXXX XXXX XXXX about lack of response. Rep. stated that they indeed had had no response. They would send a flagged email to 5/3 Mortgage Dept and that they should have a response within 48 hrs. 

XXXX Call from XXXX XXXX XXXX XXXX rep. ( over 5 days past due ). That the Mortgage Dept. had posted the {$25.00} toward my mortgage. I questioned this as the status is still " In-Progress ''. I stated that I believe this posting was for a new redemption I applied for on XXXX. I was assured that this was not the case. 

XXXX Checked status of redemptions. The redemption from XXXX is still " In-Progress ''. 
The redemption from XXXX is " Completed ''. 
So XXXX still has not applied my redemption request from XXXX - now over 3 weeks past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The Covid-19 Pandemic, and my subsequent layoff, had me fall behind, but since then, I have regained employment and financial security. I have had a spotless record of on-time payments. The debt has been paid in full. I now can not buy a home based of these missed payments. 

I wrote a letter of goodwill, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The inability to collect real time information by all of the three major credit bureaus and their farming that incorrect information to multiple third party credit reporting organizations creates adverse action severely holding us XXXX. Their lack of real time gathering was highlighted in the last complaint you did nothing about. As example report XXXX issued by Trans Union XX/XX/2012 still incorrect and they- even while acknowledging and promising to correct our negative information did nothing. Telephone numbers as the data outdated and not in service, one could go down the list but why bother? Then they have the gall to advise it will take months to update while one languishes. To repeat for these who have trouble comprehending- Yesterdays complaint further proof of the inaccuracy of reporting and their distribution of such to third party entities who provide that outdated and incorrect information continues to hold us financially XXXX and unable to do anything where finances are involved. Opinion- for one to actually think you or they would do anything to improve integrity naive. Of course this is NEW and yes pass it becuase frankly you do nothing about the multiple earlier complaints!

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 2021-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I keep getting repeated phone calls from Nuvell Financial Services regarding missed payments of car loan. I have told them that I do not appreciate being called at my place of employment and that I would report them the next time they called. This was on or about XX/XX/2021. It stopped for a few days and now they are calling my place of employment again, XX/XX/2021. I am working on trying to get funds to pay the loan but need more time.

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 2021-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: LA

Complaint narrative:
On XX/XX/2020 I recieved a letter in mail with a live check inside. Never heard of this scam before but they send a check in the middle of pandemic while people are jobless waiting on stimulus checks in you mail. If you cash it, you automatically agree to terms which is 43.97 % APR, {$450.00} fin. Charge, plus other fees and charges. I cashed it. Desperate, out of work, no money comming in and its the worst thing I could have done. I tell them its unfair because its predatory, sent to anyone without discrimination or a check into if they have enough income or a job to pay it off or a XXXX like XXXX or cant read or write, they don't care. 

All you need is that check, sign the back, go to a bank and cash it. One or two forms of I.D . this can easily be manipulated. My wife or son could have cashed this but I'm just talking in hypothesis I own up to it so I was trying to work with them but as soon as I went 2.7 months back, they sued me. This is republic finance LLC. Of XXXX, LA and my court appearance is tommorrow at CITY COURT OF XXXX state of louisiana ( XXXX ). I blocked their numbers after horrific and intense calls 6 days a week 5-6x day. I partily lost a job of 2 weeks bricklaying because of these calls. When I was served papers saying im being sued, my wife called them and offered to catch up the 3 months and get back in good standing with her credit card for {$400.00} but the lady ( XXXX ) was so rude and insulting basically talking to us like we are children and we have to do what's on the subpoena which says go to court or pay {$1600.00} in full or be sued. 

I sent money orders to their office of {$120.00}, {$30.00}, and {$30.00} just so I don't go to jail but they send me no bill or invoice or payment stub in the mail. They are basically acting like they want the judgement against me. Only gave me 10 days to get to court for an answer when 20-30days is the norm. I've seen a white chevy XXXX parked in the next street taking pictures of my property 2x already. When they see me exit my house they leave. 

The supoena also says that since they are sueinf me they are tacking on an additional 16 % APR, 18 % maturity, court, their lawyer and process fees all on me. A {$1400.00} loan supposed to be {$120.00} a month, I only cashed in {$980.00} and now it looks like if things don't go my way I'll be paying almost {$3400.00} to {$5000.00}. I called them and offer to pay {$30.00} a month because ive been without a job all year because of the pandemic and I just won my UE. They don't exceot the payment so i have to send a money order to their office not knowing if I'm wasting my money. 

I'll see what happens at court tommorrow. They have an attorney but I am loan wolfing it. I studied the laws a bit and wrote down key talking points, they while not bully me or intimidate me. Thanks XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data Systems ( XXXX ) has created frequent and damaging reports on my credit report. While I admit that these charges are valid they have made frequent derogatory accounts on my credit report which has severely damaged my credit. 
The first derogatory report was on XX/XX/2021 for {$3800.00}. 
The second derogatory report was on XX/XX/2021 for {$8500.00}. 
The third derogatory report was on XX/XX/2021 for {$260.00}. 
The fourth derogatory report was on XX/XX/2021 for {$3500.00}. 
The fifth derogatory report was on XX/XX/2021 for {$220.00}. 
The sixth derogatory report was on XX/XX/2021 for {$540.00}. 
The seventh derogatory report was on XX/XX/2021 for {$3500.00}. 
The eighth derogatory report was on XX/XX/2021 for {$220.00}. 
The ninth derogatory report was on XX/XX/2021 for {$540.00}.

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 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My complaint is with Equifax Credit Bureau.I have verifiable court documents, proof from the agency ( Attorney General Texas Child Support Account number # XXXX ) reporting info. And it is opposite of what Equifax is reporting. Equifax is Reporting my account over 120 days late. Equifax says they have verified it, but there is no way. I have submitted documented proof admissible in a court of law showing all my payments have been up to date. They must correct this info or delete the derogatory info. They deleted it once only to put it back 2 months later. It has hurt my ability to obtain credit. I have filed complaint with Equifax 2 times online and 3 on the phone always getting answer verified. And 2 times written to Equifax with the same answer. This is false info. I have submitted all documents proving my case. Please help me as this info they are reporting for Attorney General Child Support account # XXXX is totally false. I am attaching all documents for you to see. I have asked over in over to correct it or delete it from my reports. They are violating the law. I ask that this be permanently deleted from my credit report. I have documents of payments being current that is admissible in a court of law. I have attached all legal documents and identification which shows my payments are not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: PA

Complaint narrative:
See CFPB complaint number XXXX. This was NOT addressed by US Bank. They falsely stated I was informed the account closing process would take 10 business days. I am demanding the initial call recording be pulled where I was informed it would take five to 10 days to handle. My intial call was Monday XXXX XX/XX/2021. I detrimentally relied upon what I was told by US Bank ... they do not address that in their response. They DO admit, as they have to because the call is on record and I have proof of the same, I call to close an account on said date. The state I was told it could take up to 10 days. Let 's assume for a moment that is true ( which it is not ) then the account should have been closed and check mailed by XXXX XXXX ... it was NOT. US Bank correctly states the check was cashed on XXXX XX/XX/2021. In fact that is the day the check was received. So by US Bank 's own admission, they failed. They do not address this in their response.

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 2021-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Im writing to get some legal help and progress on an issue with Bank of America, who are either a ) holding my money and not returning it to my account for no given reason, or b ) hiding the fact they have mishandled my money and have lost it. 

A summary : I sent an international wire on XXXX XXXX to the value of XXXX USD ( sent as XXXX AUD ) On XXXX XXXX I made my first call to the bank ( XXXX ) to cancel as I was made aware the account I sent to in XXXX had been recently closed. On that call I was told the cancel request was initiated and return request sent to the bank in XXXX. 

On XX/XX/XXXX I called again - I was informed that the return had been initiated by the other bank, and was promised it should be in my account in 2-3 business days. 

On XX/XX/XXXX it had been noted that the funds were back in in Bank of America system, but not in my account yet as they had to be converted. 

On XX/XX/XXXX I called again, was reassured they had my money in the system now but was told that the funds should be cleared and converted by 2-3 business days from XXXX ( Wednesday XXXX at the latest ). 

Given I saw no changes to my balance by XX/XX/XXXX I called again - this time I was told conversion has been delayed for unspecified " technical issues '', should be 2-3 business days from XX/XX/XXXX. 

On XX/XX/XXXX I called again - no change or new information was provided beyond " they're having trouble processing the conversion ''. I requested written confirmation of presence of funds XXXX to prove this isnt a theft that I need to report to authorities XXXX. This person promised to escalate to direct manager who will call me to discuss. 

Since I received no call 4 days later, on XX/XX/XXXX I called again, and was again informed that there was a technical issue that was delaying the conversion of funds. When I asked for written evidence, confirmation or otherwise of this issue I again received a response saying they will not give me anything like that. 

They have confirmed verbally they have my money - I don't care what their issues are internally, they have the money and it should be in my account AFTER ALMOST TWO WEEKS!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16 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: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
On XX/XX/2021 collection agency Franklin Collection Service added a derogatory mark on credit report per XXXX XXXX upon further research, the account was transferred /sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there is NO written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Franklin Collection Service has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
been trying to get a better mortgage rate so when i reach out to different lenders they submit there paper work they ask my loan company for my documents then my loan company charges me a fee for this I've been charged over a hundred dollars in fees for this did not realize this at first so when I called the companies requesting my documents they said they have never heard of this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a 1st mortgage and 2nd mortgage with CitiBank. I refinanced the 1st mortgage on XX/XX/XXXX. The refinance was to be applied to our 1st mortgage but CitiBank mistakenly paid off our 2nd mortgage. This left me with two 1st mortgages on our primary residence. On XX/XX/XXXX I notified CitiBank about their mistake. 

The error was corrected on XX/XX/XXXX, however CitiBank did not correct the error with the loan processing company XXXX XXXX XXXX XXXX XXXX XXXX ) and now is resulting in derogatory credit reporting on my credit report regarding this account. Citibank has not corrected this reporting to XXXX  and no action has been taken to correct this matter.

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 2021-06-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
Ability recovery is trying to collect {$530.00} from me for ash worth college for a bill they stated I owe. I have written a letter to verify the debt and it was removed from the credit reporting agencies from and now has come back. When I originally wrote the letter I requested them to comply with the fair debt collection practices act and fair credit reporting act:1 ) providing me a contract or bill with my signature on it as follows : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the 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 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I use Bill Pay through my bank to pay my mortgage, generally my account is debited the first of each month. On XX/XX/XXXX, my mortgage company called to say they never received my XXXX mortgage payment. 

I sent a copy of the electronic check, front and back to my mortgage co., they sent me a letter stating they did not endorse this check. 

I contacted my bank SEVERAL times, via emails, and phone calls, they stated the money had been withdrawn and processed and there was nothing they could do.

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