vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have sent the credit collection company numerous phone calls, emails, and written disputes. I have a collection reporting that is not mine for a XXXX account. I have a police report for the identity theft. I never lived in Virginia where this account was created. 
I included my lease where I resided in 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 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have asked the collection company to get this validated and they indicated they were reaching out to the company that was over a year ago, I want XXXX XXXX to validate this debt. If this was mine there should be something on their file with my signature. I want that evidence ASAP! this thing goes from collection company to collection company always with a new open date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I had a mortgage with LoanCare company. I paid off the full mortgage amount at the end of XX/XX/2021, however an extra monthly payment for {$1200.00} went thru automatically from bank. LoanCare got the check from my bank and they cashed it ( attached documentation ) however as the account was closed they didn't deposit the money into the escrow account so the money got " lost ''. 
For over 3 months I'm being trying to get the {$1200.00} refunded with no luck, I have provided proof that the they have cashed the check and received the money, I have escalated this to many of their " management '' team however they are still " looking for the money ''. 
In my view, a financial institution loosing the money is against any financial regulations. 
The account number is XXXX my name is XXXX 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 2021-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete the one accounts and the inquires.

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 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
I received a letter from a debt collector stating I owed XXXX from a medical provider. I mailed a letter to the debt collector asking them to verify the debt. I requested dates of services, reason for the visit, and proof of previous payment. When I went to the Dr. 's office any out of pocket cost was paid at the time of the visit. I never received any bills, letters, or calls from the Dr. 's office.

I received a letter back from the debt collector stating " When an undisputed account is listed with us for collection, it is deemed to be due and payable in full. If you need time in which to secure the balance due, call or visit our office so that a reasonable extension of time may be granted ''. 

This collections agency never supplied me with my request, basically they're stating if the debt was placed with them then the money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone used my social security and requested a credit check in my name to XXXX XXXX. The inquiry is now on my credit report. XXXX XXXX did not approve it, but it is still on my report.

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 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The ATM machine at Wells Fargo in XXXX NY has been broken fir some time. The machine jams and logs the money incorrectly. The claims department is rude, not helpful and discredits the customer. I am talking about thousands of dollars miscalculated. The bank says-its counted and you got a receiptsorry ( not sorry ). The bottom line is the machine is STILL broken and they claim no way can there be an error because the machine balances the money. The video cameras at the bank should be used to see that this is blatantly not true and see people losing their money. Instead of looking into this-they claim the bank does not own this ATM. In addition, no one in customer service is friendly or helpful. Not even the executive offices. Run away from this bank of you can-its awful.

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 2021-06-21 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
Since my previous case filed with CFPB ( XXXX ) XXXX was in the process of verifying the authenticity of the police report. 

At this time XXXX has spent over a month with this process and just recently has stated to me clearly on the phone their fraud department does not challenge the reports authenticity, officers identify or the details in the report. 

They now state that my XXXX XXXX may have been compromised and for me to spend the time to research this a possible reason for the 'fraud '. I stated clearly I don't have an XXXX phone or XXXX XXXX, because my phone is on an Android platform that only interfaces with XXXX XXXX. 

Previously XXXX indicated all purchases were via a chip card and not a service like XXXX XXXX. 

This claim isn't being covered under their advertise " Zero Liability Protection ''. I've never give authority for any person to use my card or phone to buy anything, so this should be a very simple case, however more and more excuses are being used to make this issue go away.

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 2021-06-21 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: Synovus Bank
State: HI

Complaint narrative:
Sunday XX/XX/2021 at around XXXX. HST, I used the credit card to make purchases. This is a secured card that I paid a deposit for. The card had an available balance of {$600.00}. When I went to use the card at XXXX the card declined. I then went to test the card at XXXX XXXX and the card was declined again. I called the number in the back of the card and there was no agent available to assist me with why the card is declined when I've used it 3 times earlier that day. 
On Monday XX/XX/2021 at XXXX. HST, I called XXXX XXXX and was told that there was a hold on it but the hold was removed at XXXX. the night of XX/XX/XXXX. I was also told that I was not to use the card until 24 hours after the hold was removed. I asked why this is because I was not informed of why the card was put on hold and why there was a hold. I had to ask for a supervisor to explain why there was no communication right away of why the card was on hold but someone did a review and removed the hold at XXXX. on a Sunday. I spoke to a XXXX with an Employee ID # XXXX to which he said that this is " the company procedures and this is just how it is ''. I just have to wait. 
I then asked to speak to his Supervisor because it didn't make any sense to have available credit but I couldn't use it because they decided to put a hold on the card and then the card is not available right away to be used when there is an available balance. A person named XXXX came on the phone and was very rude and said that it's just company procedures and that I just need to wait 24 hours for it. I explained to him that this didn't make any sense that I have to wait that long when they are the ones that put the hold on and didn't contact me about any hold. I then also told him that I will be filing a complain with the CFPB and that he needed to send me something in writing or the contract that I signed that stated that and he said that I should already have the contract and that he didn't care what I would do. This is ridiculous on so many levels when you're charging an annual fee to use your so called credit card and that this is how you treat customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
I received a supplemental tax bill from my local county tax collector in early XX/XX/XXXX with a bill for {$300.00} that is due on XX/XX/XXXX, XXXX. I called my mortgage servicer, American Pacific Mortgage and was instructed to scan and send the bill via email to their email address, XXXX. I emailed the bill to them on XX/XX/XXXX. I did not receive a response from them confirming that they received or paid the bill. I sent an email on XX/XX/XXXX to follow up to see if they had received my request and again I didn't receive a response. I called again on XX/XX/XXXX and was told that in order to process the tax bill, I need to hand write a letter, sign it, scan it and email it to the same email address provided. I sent an email with the letter of authorization on XX/XX/XXXX and did not receive a response. I called again today, XX/XX/XXXX and was told that the tax bill was still not being processed and that there is a 7 day turn around to get it processed, the 7 days starting today, and it may be sent late. American Pacific Mortgage has continually failed to take action on my requests and instructions and has failed to provide the service for which I have paid them.

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 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
After several months of robocalls indicating that a member of our household owed debt and that said member should contact the collection agency. The calls were made by NCB Management Services , Inc., XXXX XXXX XXXX, XXXX-XXXX, PA XXXX ( or a subcontractor used by same ). We notified NCB by certified mail ( receipted by NCB on XXXX XX/XX/2021, USPS Certified Number XXXX XXXX XXXX XXXX XXXX ) to cease and desist in calling our home providing them with the guidelines set forth in Federal Trade Commission Act 805 Fair Debt Collection Practices Act ( As amended by Public Law 111-203, title X, 124 Stat. 2092 ). NCB made no effort to contact us to remediate the purported debt as set out in the above statutes. We continued to receive calls from NCB or one of its subsidiaries with the last being received on XXXX XX/XX/2021. Their continued harassment has caused us to remove our voice mail and even though their calling number has been blocked they use another number from which to call. We can not supply an account number as we do NOT have an account. They were calling our home seeking out a party by the name of " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have a student loan account through XXXX XXXX XXXX that was also through JP Morgan Chase Bank. The account was sent to collections through XXXX XXXX XXXX, even though I never received a bill or an loan payment notice to begin with. I started paying the collections account in XX/XX/XXXX. All payments of {$150.00} per month were agreed upon by XXXX XXXX XXXX and have been made on time. My credit reports show that I have missed payments that are 180 days late for XX/XX/XXXX and XX/XX/XXXX but these are incorrect. I also do not believe that the payments should have ever been sent to a collections agency in the first place, because I was never informed that there was any payment due to begin with. The account as a whole has had a very negative effect on my credit and may cause issues for me at work, since I am enlisted in the XXXX XXXX XXXX and hold a Top Secret Security Clearance. I have tried disputing this multiple times through XXXX, XXXX, and XXXX  and through XXXX XXXX. JP Morgan Chase Bank will not respond to any phone calls, emails, or correspondence from the companies or myself and has failed to correct the information after years of filing disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express has been filing for many years to investigate fraudulent transactions and have refuse to work with me the customer to correct anything. their abusive staff and agents don't even know how to communicate and engages in threatening behaviors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX alleged that I owed a credit card debt for {$1500.00}. I disputed it and they removed it from my credit report and stated I do not owe them on XX/XX/2021 due to identity theft. However, they sold the debt to a debt collection company, Midland Credit Management on XXXX XXXX, whom I have also explained that I do not owe this debt. Exhibit 1 and 2 are attached. I demand remedy from both companies for breach of my privacy rights as a consumer, reporting inaccurate information and causing mental harm over stressing about this situation that they caused. It is negatively affecting my employment and other financial necessities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
reporting one fios number on experian site and another fios number to a credit co. 
FALSE 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 2021-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle I found on XXXX. The vehicle was listed by a dealership in XXXX XXXX Indiana. All pricing/delivery terms were agreed to. The selling dealership proceeded to fax in the documents required for funding. The bill of sale the dealership sent was not the original that I signed. USAA released the funds to the dealership which opened the loan in my name. The dealership committed fraud by not delivering the vehicle. I called USAA as soon as the delivery time was missed ( within a few days ) to inform them of the fraud situation and they refused to help. I uploaded the police report to USAA 's portal and requested the bank 's Fraud department to investigate and cancel the invalid loan. I have no vehicle title to send to the bank as the vehicle that was " sold '' to me actually belongs to it's rightful owner in another state. Now this open loan will show as a lien on a innocent bystander 's vehicle that has no idea of the situation. 

My loan contract contains a clause stating that I am giving USAA a security interest in a XXXX XXXX XXXX XXXX but this clause is not met because a legitimate vehicle purchase never took place. 

Additionally, I understand that both USAA and the bank that received the funds ( XXXX XXXX XXXX XXXX ) have policy 's and protocols in place to protect consumers from fraud. ( Bank Secrecy Act, 31 U.S.C 5311 / FINRA Rule 3310 ) I have been a USAA customer for over 10 years and both USAA and XXXX XXXX  XXXX XXXX failed to protect me as a consumer. I am requesting the CFPB to investigate this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I had a home loan held by Nationstar Mortgage, LLC, dba Mr. Cooper. I sold my home on XX/XX/2021. Mr. Cooper owes me an escrow refund of between {$2700.00} and {$2800.00}. This was communicated to me by the closing attorneys. As of XX/XX/2021, I had not received a copy of my check and I called Mr. Cooper. I had been in transit and feared that the check had been lost in the mail. As such, during our phone call, I asked that they cancel and re-issue the check. The refund check indeed showed up later that day. I called them back and customer service told me that the check had already been cancelled and re-issued, but that there was a five business day approval process and that it would be re-sent to me. 

As of XX/XX/2021, I have had not refund check issued. I have called Mr. Cooper customer service weekly, ever since, and every time, a customer service representative tells me that they have not found evidence of the reissuance but that they or their manager will call me back. I have never received a call back. On XX/XX/2021 at XXXX XXXX  EST, I called them again and spoke to a customer service agent named " XXXX '' ( spelling may be incorrect ) who told me that the check has never been reissued, but that she would properly have the check reissued and that it had to go through the five day approval process again. At this point, it has been over a month since the original reissuance request was made and it feels like I am getting the run-around. Nearly three thousand dollars of mine is being held and I very much need that money. At this point I am not sure where else to turn, but I want the company to be compelled to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I submitted a dispute in XXXX for a charge from merchant that I had returned the item for as they had not sent me the complete product in an email the company that I had purchased the product from through this credit card at Citi said that they would refund me the full amount once they received the product and they had received the product but said they had not opened the box so I just submitted a dispute with City to get the money back and then of XXXX of this year after submitting the requested information City had asked me to submit showing the merchant had said they would refund me the money and not. They denied my dispute which was a total amount of {$750.00}. I had also paid over {$100.00} to ship the product back to the merchant so I am now out over {$850.00} in total.

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 2021-06-21 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: Synovus Bank
State: SC

Complaint narrative:
I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CA

Complaint narrative:
I have sent disputes to the bureaus and have received no correspondence. I have serious inaccurate items on my file that need to be removed. I have sent letters and received no letters, no calls, and no results. Please fix the items.

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 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I XXXX XXXX - Natural Person Sent Validation of Debt request on XXXX XXXX To Phoenix Financial Service They did not comply 5 days after speaking with me I requested validation and they did not provide They have failed to cease collection of debt.

Company response to consumer: Closed with explanation