vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/XXXX I was checking my bank account, and I noticed an extra account with my other accounts. It was a mortgage account. My husband and I do not have a mortgage or a house, we live with our inlaws, in Georgia, The owner of the house in question lives in XXXX XXXX, TX. I called Chase Bank, they said the would take care of it. I later called XXXX and locked my credit account. But seven months later it's still there. I talked to them on Saturday, in person, and they told me to call on Monday to the mortgage department. I called on the XX/XX/XXXX, and a male Chase representative said he had around one hundred pieces of paper to look through to see if he can see the social of the true owner of the mortgage, and he will fix it and call me back before XXXX XXXX. He did not. 

I am tired of Chase sending me bills month after month, asking for payment of a mortgage I don't have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have reached out to XXXX XXXX XXXX, and XXXX to dispute an error with reporting regarding 6 XXXX XXXX accounts post-Bankruptcy discharge. My bankruptcy was discharged on XX/XX/18, and these accounts still do not reflect included in bankruptcy, but are instead showing as charged off, and missing 6 payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
EXPERIAN I have disputed 4 times for the XXXX XXXXXXXX XXXX charge off is shows a balance is not allowed to shows a balance it keeps coming back verified with Experian It sent XXXX XXXX a VOD they did not respond EXPERIAN refuse to investigate the matter again. 
XXXX is a 3rd party medical Collection EXPERIAN say they verified this to them I sent 2 VODs to them they did not respond to me nor did they respond to the other 2 XXXX, XXXX  so they deleted it I have sent them paperwork on it and everything they will not fix this

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 2019-04-02 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: FL

Complaint narrative:
i have called XXXX XXXX XXXX and advised them this cable account doesnt belong to me. I have been a victim of identity theft for a while but they refuse to remove this account from my personal information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: IL

Complaint narrative:
I live in Illinois. On XXXX, XXXX i called XXXX XXXX in XXXX Wy . to purchase a remote starter, for my brother, who lives in WY. XXXX, took my credit card info {$410.00}, and said my brother will need to make a appointment. XXXX charged my credit card, that day. My brothers appointment was at XXXX on XX/XX/XXXX. He arrived at XXXX, the owner was not there. My brother was told they did not have the remote starter, and could not get equipment, due to nonpayment to suppliers. Brother told the office girl, to refund the charge. Brother called me, and advised me of the situation. I immediately called my credit card company, CitiBank ( mastercard ) and disputed the charge of {$410.00}. I then called another business in XXXX, XXXX XXXX, phone number XXXX, and purchased the remote start from them for {$360.00}, which they installed that day. 
On XXXX XXXX, citi card send me a letter to sign, stating that i had not received merchandise or service. Which i did. and they received it XX/XX/XXXX. I also included a complaint number from the XXXX XXXX XXXX for a complaint i filed on XXXX. ID XXXX. 
i also filed a complaint with the XXXX Wy. Police Department XXXX, XXXX XXXX. My Case # D XXXX. Officer XXXX, advised me XXXX XXXX is under Criminal investigation for their business practices. XXXX XXXX is Closed for Business. 
My complaint is against MasterCard and CitiBank. I had sent everything they requested and more. Citi bank informed me that MasterCard investigator had reviewed the case and as of XX/XX/XXXX is complete, '' since they have not received a documentation regarding the merchant 's inability to provide the service. " I have called CitiCard s, requesting to speak to the investigator, i provided all info. that i was requested to. I have called Citi card and requested the investigation be reopened. I called MasterCard, trying to speak to someone about this. I have got no where. I gave CitiCard, my brothers phone number, the complaint number of XXXX, the name, case number, officer name in XXXX. MasterCard investigator is unwilling to review the FACTS.

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 2019-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
1. I was granted a loan modification from Wells Fargo in the Spring of 2018 2. When I had questions about the final modification papers, Wells Fargo did not respond to all my questions. 

3. On XX/XX/2018 at XXXX I called XXXX XXXX XXXX at ( XXXX ) XXXX FHA Case # XXXX XXXX XXXX As Wells Fargo has not called me back yet about my questions and signing is set for XXXX today. They promised to call back and have not. 
I talked to FHA/HUD a girl named XXXX about the lack of response from WF on the issues I have questions on. 
She will try to find a representative to talk to but they usually need a few business days to process requests. 

at XXXX XXXX called from Wells Fargo during the above call. and this is the exact words in a legally recorded phone call XXXX : ... ..Those documents are now expired so theyre not essentially valid documents ... 
XXXX : So dont sign the documents with the notary because they are out of date? 
XXXX : Correct, Theyre expired so they would be invalid. There would be no purpose to signing those particular documents He said he will get back to me shortly with what they will 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 monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I filed a claim against a seller with paypal against a seller who scammed me for {$47.00}. They agreed to the refund, but I had to send the product back by XX/XX/XXXX. I was having issues sending the product back in time, so on XX/XX/XXXX I called paypal and spoke with XXXX, who promised me she would extend the time frame to send the item back by two weeks. While I do not have a recording of this, paypal records all of their calls to 'assure customer service quality ' so they should have this information. 

One day later, the case was closed against me because I didn't send the item back. I called paypal again, wasting hours of my time on call just to be told that even though the support agent promised an extension, they could not honor it. 

They suggested I file a complaint with my credit card company. This should not happen, as Paypal promises it's customers protection against fraud. By denying me of this service ( at their own fault ) they are breaking the contract of terms on which i do business through them for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/2019 - sent letter as to verify debt and provide proof that they can collect the debt on behalf of the original creditor. 
XX/XX/2019 - received a letter stating that LVNV has initiated a review of the inquiry. 
**never received verification or proof to collect debt** XX/XX/2019 - sent the same letter again requesting verification and proof to collect debt. 
XX/XX/2019 - received a letter with a copy of a credit card statement which doesn't confirm they are legally obligated to collect the debt on behalf of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CENTERSTATE BANK CORPORATION
State: FL

Complaint narrative:
I was a member of XXXX XXXX in XXXX fl and they converted to centerstate bank on a Thursday night mid month and they had some errors in converting over to their new system and my direct deposit did not go through as well my automatic bill payments didn't process. To try and remedy the situation the XXXX office set it up so that customers could acess money the atms couldn't connect with their actual balance it constantly read that their was XXXX dollars available even after you would withdrawal so no atm or debit machine could connect with your actual funds and purchases never reflected until weeks later resulting in customers overstating major amounts and the online banking app never fully catching up to the transactions over that weekend and following week. I never signed up for overdraft and always relied on my banking app to be reliable source to reflect my balance. As a result it Caued me major financial problems and XXXX dollars in dept on my checking account. I had never been negative or overdrawn in the two plus years as a member with XXXX XXXX and now Im having to rebound from centerstate banks mishap and poor judgement and timing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GB Collects, LLC
State: MI

Complaint narrative:
GB collections sent us a letter in regards to their client, XXXX XXXX XXXX. This is insurance paid through our payroll through XXXX. After I received this letter I contacted XXXX and they said I have nothing to worry about. I explained to GB what was going on but they did not listen. They have continued to call and send letters every three days. I did our due diligence and gathered all the information from XXXX and faxed it into the office of GB and they continue to still call and send letters. 

I called the morning of XX/XX/19 to after receiving a final demand threatening letter to find out why they were still contacting us. I explained that we had faxed into the office the documents XXXX old us to send into them. We are still paying for this service through our biweekly payroll. I tried to ask why the office was contacting me as we did their job and gathered their documents they were requesting. Before this office hung up on us and now is avoiding our phone calls they said our documents were incomplete. They never called or sent a letter to let us know the documents were incomplete. XXXX sells this insurance and told us we sent GB the correct information. 

As the FINAL DEMAND threatening letter was sent us today and we called within XXXX minutes to make sure this was resolved and now they are avoiding our phone calls. This is very unprofessional and this office should not have the license to collect debts if this is the office 's behavior. We have tried to address the issue and gathered the documents they needed to resolve this issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
It has come to my attention that Simons Agency has placed a two derogatory remarks on my credit bureau files pursuant to me having paid them what you claimed that I owed them. They are account numbers XXXX and XXXX. 

When I paid them, I relied upon the belief that they would do the honorable thing and remove this derogatory comments from my credit bureau files which they not only failed to do but actually updated the date of last activity on this account, which extends how long it can be reported for. 

In doing so, they obviously failed to realize that the Doctrine of Estoppel directly applies to this type of situation and is cause and more than sufficient grounds for me to file a complaint against them with the Consumer Financial Protection Bureau ( CFPB ) for your violation of the estoppel doctrine of law. 

Here is what the Doctrine of Estoppel is and how it applies to their violations of it. In order for the Doctrine of Estoppel to apply, the party of the first part ( Simons Agency, the collector ) must make some statement or engage in some conduct upon which I have relied and acted upon which later proved to be to my detriment or prejudice. 

In their communications with me they told me that they would update my credit reports as soon as I had paid the debt to them. Quite naturally, I assumed and relied upon their statement to that effect to mean that they would remove the account in its entirety from my credit report. 

The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. Section 623 imposes the following duties : If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). 
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). 
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).

Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Financial Services ( servicer for GreenPoint Mortgage ), please advise if you sold this HELOC on behalf of GreenPoint Mortgage before XX/XX/2007. In addition, please furnish documentation of my HELOC note on my property XXXX XXXX XXXX, XXXX, PA XXXX that was properly indorsed each time the mortgage/HELOC was transferred recorded an unrecorded. 2.A clear documented chain of title, from the origination initiated by GreenPoint Mortgage Funding , Inc. up to its current " Trust & Servicer, '' in addition to all documentation recorded an unrecorded that match the records at the public office in XXXX, Pennsylvania. 3.Documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to the Trustee 's. In addition, to all original notes, all payments made and all original documents that were executed from the originator up to the current Trust & Servicer 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC
State: NY

Complaint narrative:
Over the last 4 weeks I have been actively attempting to payoff 1 of 4 loans I have with XXXX XXXX XXXX XXXX company. 
- I made a {$1300.00} payment request in XXXX, it was reversed 3 days later. 
- I inquired about it, the customer service rep was unable to tell me why. He advised he will inquire and will contact me back. Never did. 
- 4 days later I see the {$1300.00} payment is being made, but spread across the 4 loans rather than how I authorized it towards 1 loan. 
- I inquired again and was told I would be refunded. It never happened. 
- I again called and requested that the payment is properly allocated towards the right loan. I was told by a " Supervisor '' that it will be, 5 days later and it has yet to be done. 

Terrible company. There has to be something illegal about what they're doing. I'm currently in process of transferring my loans to another company.

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 2019-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX is the bank in which I have a XXXX XXXX Account. A couple of years ago my credit limit was increased to {$800.00} when I did not make a request. This increase caused my credit score to drop 30 points without any reason. I filed a complaint with CFPB against all 3 credit bureaus and neither credit bureau could answer why that occured, basically citing proprietary reasons. Over the last 2 years XXXX  has consistently lowered by available credit when I have requested an increase. Most recently XXXX  indicated that my credit reports were the reason why they lowered my available credit. I do not have any delinquent accounts or late payments. I have paid XXXX  as required. My contention is XXXX, like XXXX XXXX and other banks are doing this in an effort to force consumers to seek other credit products. Currently my account appears to be maxed out after a recent purchase. XXXX  changed my available credit from {$700.00} to {$520.00} after I made a payment of {$300.00} on XX/XX/2019 and a purchase of {$200.00} on XX/XX/2019. Now my available credit is {$22.00} which has the effect of a maxed out account. XXXX XXXX identifies/suggests many credit card products and now loans to " fix '' my credit. Recently I filed a complaint against XXXX XXXX for holding my {$320.00} payment which they released after I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
Upon starting my new lease I enrolled in autopay to handle the monthly payments. Everything appeared to be set up correctly and the XXXX XXXX site reflected that my account was set up on autopay. When the first payment came due, I received a confirmation email stating that a payment had been made to my account through XXXX XXXX recurring autopay. Upon reviewing the online transaction history through XXXX XXXX, it also appeared as though the payment had been made. Because I previously had problems with misleading items on XXXX XXXX 's payment portal, I logged in to ensure things were ok leading up to my second payment. The page showed that my lease was overdue, but still appeared to show my previous payment being made. When I clicked the button to send a payment, I was prompted to ask if I was sure that I wanted to send a payment as my account was set up on autopay. At this point I contacted XXXX XXXXl via chat where I was informed that my autopayment wasn't working even though it appeared as though the payment was sent the previous month on the transaction history page. I received zero communication that there was an issue with autopay at the time of set up, when the first payment failed, or when I logged into my XXXX XXXX account page. Even when attempting to make a payment, I was dissuaded from doing so since my account was set up for autopay. It seems as though XXXX XXXX is blatantly deceiving consumers in an effort to collect extra fees and late payment charges. At a minimum they should be required to notify consumers that autopay has failed via multiple methods ( email, a prompt on the website when you log in ).

Company response to consumer: Closed with explanation