vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: KEYCORP
State: IN

Complaint narrative:
On XX/XX/XXXX, I contacted KeyBank regarding fees on my checking account that caused my account to go negative and thus causing an overdraft fee. In an effort to just move on from Key, I took care of the negative balances and fees and closed both checking accounts and my Key credit card. The credit card was showing closed online a few hours later. I thought all was well until XX/XX/XXXX when I logged into my accounts to make sure everything was properly closed. At that time, I noticed that my card was no longer showing closed and there was a {$.00} charge on my credit card. On that same day, I received a letter in the mail from Key stating that the account had been closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
I had an initial balance of {$1700.00} but agreed to pay {$1100.00} to Phoenix Financial Services LLC, which worked for XXXX XXXX XXXX. The person I spoke with said that the letters I receive in the mail will reference the initial balance rather than what I agreed to pay, but that it will be removed once I pay it off. This agreement was made around the end of XX/XX/2019 or beginning of XX/XX/2019. This debt was placed on my credit report. To pay off the {$1100.00} and have it removed from my credit report, I paid {$95.00} every two weeks for about 6 months, which I completed paying off in XX/XX/2019. I would consistently receive letters in the mail reminding me of the balance and the balance on the letters would decrease as I paid. I made the last two payments together to finish paying off the debt a little faster and to get it over with. The payments were automatic and completed by Phoenix because I provided my debit card information. After I finished paying off the agreed debt I received a confirmation number but never a receipt of payment, but the mark on my credit was removed. I also stopped receiving letters from Phoenix and never received a phone call or letter about any missing payments after I finished paying the agreed amount. 
A few weeks ago, I received a letter from XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX, stating I had a remaining balance of {$610.00}, which is about the difference between the initial balance and the amount I agreed to pay to Phoenix. I called Phoenix to see if I can receive a proof of payment since I paid the settled amount but I have not received anything from them and I gave them the confirmation number to see if that would help for me to receive proof, but they did not care for it and they said my payments were never completed, but I have every transaction number and I spoke with someone from my bank to explain the situation and they said all my payments were successful to Phoenix. I believe the {$610.00} amount was never removed from my account with Phoenix which is why I received this second collections letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Forest Recovery Services LLC
State: FL

Complaint narrative:
I had an appointment with XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX for a sleep study. They told me the co-pay was {$35.00} and i paid for it on my CC. Months latter they billed me for {$160.00} additional co-pay. I called and they lied that my insurance company gave them the wrong co-pay. My insurance company says they did not make an inquiry about the co-pay. I think they drum up business by lying about the co-pay in hopes they can use the term " uncovered services '' threaten collection. If they had told me the co-pay was {$200.00} I would not have done the sleep study. I have disputed the debt on my credit bureaus twice and they keep validating it. The charge is not for " an uncovered service '' they I am obligated to pay. It is for an item I paid when the service was delivered that they mis-quoted the co-pay amount. It is not for another service that was not covered. The collection agency they are using is Forestrecvy and they opened the case with the credit bureaus on XX/XX/XXXX a year since the last transaction between us has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: FL

Complaint narrative:
I have disputed this account with the credit bureaus but continue to report the error please investigate and corrected as soon as possible Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experiant XXXX 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 2021-02-15 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: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2018, it has now been years since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Prepaid Ventures, LTD
State: NY

Complaint narrative:
DEAR REPRESENTATIVES, I am reporting a deception of 2 prepaid card banks that in the debit card contract do not show details of Limitations or restrictions that they have. 

After opening the account with the XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Member FDIC ) pursuant to a license from XXXX XXXX XXXX " XXXX XXXXXXXX XXXX '' and " XXXX '' are registered trademarks of XXXX XXXXXXXX XXXX. 

This card in the prepaid card contract and the consumer details the countries restricted for them and the services that are limited in certain countries. Neither in the debit card contract nor in the privacy policy do they state the countries with restriction of services or use. 

This caused me to lose time in my travel planning to the specific country that I wanted to travel to because I was going to use this debit card. I thought I could use this card in another country at the ATM to withdraw funds, after I have the card and review the contract and the privacy policies and everything they show on the website, I call customer service to perform the Travel alert and I find that they inform me that in the country where I am going they do not have access to ATM cash withdrawals, in this case the XXXX XXXX XXXX, XXXX. This detail is not written in the privacy policies or in the contract. Also there is not a single detail that says that there are limitations in different countries. 

Please I want to report this prepaid debit card bank because they are misleading customers and omitting information. 

Thank you, I hope for help and a prompt response from you please. other consumers need not to be deceived and be updated on this problem so that they do not make the same mistake as me and are not deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Just a few days ago I checked my report and I found the accounts and inquiries that are not kind of mine. I do not know them and their origins. How that possible in general that I have somebody else information in my credit report? I would like you to pay attention and check it as I was shocked to see such a terrible picture in my profile. I read about it and I realized that I am just victim of identity theft otherwise I can not understand why I have it. I can not recognize none of them. I kindly ask you to investigate because life is difficult now and I can not make my financial planning anymore and I want you to apply some extra control. Please help me and remove it

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 2021-02-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Just a few days ago I checked my report and I found the accounts and inquiries that are not kind of mine. I do not know them and their origins. How that possible in general that I have somebody else information in my credit report? I would like you to pay attention and check it as I was shocked to see such a terrible picture in my profile. I read about it and I realized that I am just victim of identity theft otherwise I can not understand why I have it. I can not recognize none of them. I kindly ask you to investigate because life is difficult now and I can not make my financial planning anymore and I want you to apply some extra control. Please help me and remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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:
Under the credit reporting act, the credit bureau has 30 days to reply back to my dispute. They failed to do so. I'm asking for the information to be deleted on my credit report. I submitted the disputes on XX/XX/2021

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 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is my second attempt to resolve the issue in regards to consumer credit transaction with Chase Bank Credit Card. Chase bank is in violation of 15 usc 1605 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I replied to an ad at XXXX  for a goldendoodle puppy. The seller asked for {$400.00} deposit through cell. I contacted CHASE by phone and asked if that is ok and if the transaction came out to be fraud/scam or for some reason did not materialize, I asked if I can have the money sent thru XXXX reversed to my account. The representative from CHASE said YES and that CHASE have a claim process to do that and he told me to go ahead. I sent the deposit, and the day after, I found out that I am scammed. The seller is not in the address he gave. I called back CHASE to immediately inform them that I need the money sent reversed. The claims department said there is no way they can get back the money. They refused to give me the recipients bank account information, even if I told them that I will inquire with the recipients bank. I even called XXXX and the representative said they can not help me. 
seller information : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX. DOB :XX/XX/XXXX DRIVER 'S LICENSE : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: TX

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. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: Regional Management Corporation
State: GA

Complaint narrative:
I recently tried to dispute this company off my credit report because I had insurance on the loan if I lost my job it would be covered. This was what was explained to me by the Loan officer. They closed my account back in XXXX. They have done hard pulls on my credit report after the loan was closed causing my score to drop and they just reopened the charged off account and adding fees showing that I now have late payments as of XX/XX/XXXX. They are trying to re-age my account, which is illegal, and I have NOT spoken with them since the beginning of XXXX and it was about the unemployment insurance to cover the loan, not any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
On XXXX XXXX, XXXX PHOENIX FINANCIAL SERVICES add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PHOENIX FINANCIAL SERVICES has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
TIAA Bank erroneously reported to all 3 credit bureaus erroneous information about our account and it has hurt our credit scores. Our mortgage went into forbearance under the Cares Act because of COVID. Our last payment was for XX/XX/XXXX and it was made in XXXX of XXXX. On XX/XX/XXXX, TIAA Bank, the lender, erroneously reported to XXXX XXXX & XXXX that the account was closed. Our account is not closed. Second, the mortgage lender reported to the credit bureaus erroneously that payments are " late, '' are " 180 days past due. '' Third, TIAA Bank erroneously reported incorrect balance due amounts, showing a balance increase between XX/XX/XXXX and XX/XX/XXXX. Our balance has not and should not have increased. When we brought this to the attention of TIAA Bank and their servicer XXXX, they said it should not have been reported closed, should not have been reported late, and the balance should not have gone up. However, they have not corrected it nor have they responded in writing of their intention to correct the problem. Their erroneous reports have caused our credit scores to drop significantly. My husband 's score dropped well over 100 points and he went from being in the XXXX 's to being in the XXXX 's. My score dropped as well. We have filed formal disputes with all three credit bureaus but this has been incredibly stressful to have our lender file so many erroneous things during this pandemic when we are already suffering in forbearance. We were promised by TIAA Bank there would be no negative consequences to asking for forbearance but they have ruined our credit and caused us to spend many hours disputing it. Your help is needed and you need to know how this bank has treated us during this stressful time. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Nations Direct Mortgage, LLC
State: FL

Complaint narrative:
In XXXX of XXXX my mortgage company ( Nations Direct ), put a {$4500.00} force placed flood insurance plan on my mortgage. The fees were to be collected and held in the escrow portion of my mortgage. After procuring and sending Nations Direct all the necessary documents proving my home doesn't need any such coverage, they sent me a letter on XX/XX/XXXX acknowledging that I didn't need the insurance, and I'd be refunded the money. Sadly, this didn't happen, They left the initial {$4500.00} charge in my escrow account as a negative balance, and applied the refunded overage charges to it. What they should've done, AND STILL NEED TO DO, is reverse the initial {$4500.00} charge to XXXX, then give me back the overage charges they've collected, AND ARE STILL COLLECTING! Finally, they need to recalculate my monthly payment to reflect the true cost of my HAZARD INSURANCE ONLY, which would be held in the escrow portion of my mortgage, AND QUIT SCREWING ME ARROUND!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: OH

Complaint narrative:
Hello I hope you guys can help. I have been dealing with this debt for 8 years and no matter how much time goes by I just can NOT get these guys to take this off my credit. After 6 or 7 years ( I forget which ) creditors have to take old debt off your credit report. Legally their are NOT allowed to continue to ruin my credit for the rest of my life over one thing that happened in XXXX. I had gotten some things from XXXX XXXX XXXX XXXX and my house was broken into and all the items stolen then I lost my job and was unable to pay for the items. Well it's been 7 years and they can't just continue to try to collect on that forever and ruin my life over it, it's past the statute of limitations and they're still putting this on my report. It even said on my credit report that it would have to be removed XX/XX/XXXX and they somehow got that date removed now it doesn't have any date for removal. They have to take this down they don't have a choice it's illegal to continue to do what they're doing to me and I need help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
I was a tenant ( XXXX XXXX XXXX ) with the original creditor for over 5 years. Left a forwarding address ( provided approximately 30 days prior to vacating premises ) for purposes of any incidentals. Never received any written notice of incidentals or amount due from XXXX XXXX XXXX  and never received any written notice of money owed or notice of collection from " Collection Bureau of XXXX ''. Collection company ( and its employing creditor ) reported a debt that was never disclosed to alleged debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently tried to dispute this company off my credit report because I had insurance on the loan if I lost my job it would be covered. This was what was explained to me by the Loan officer. They closed my account back in XXXX. They have done hard pulls on my credit report after the loan was closed causing my score to drop and they just reopened the charged off account and adding fees showing that I now have late payments as of XX/XX/XXXX. They are trying to re-age my account, which is illegal, and I have NOT spoken with them since the beginning of XXXX and it was about the unemployment insurance to cover the loan, not any payments.

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 2021-02-15 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: TX

Complaint narrative:
I've recently reached out to XXXX, XXXX, and Transunion in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of 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 2021-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
A collection popped up on my credit reports about 6 months ago. I didnt know about this debt and when I figured out where it came from I disputed it three times because the debt came from a credit card company that I didnt apply for ( identity theft ). I requested validation of my debt and the original contract, and that was over 60 days ago and havent received any validity of the debt. XXXX  keeps saying its validated and I requested a copy of their investigation and it hasnt been sent yet. I dont owe this debt but they are reporting that I am.

Company response to consumer: Closed with explanation