vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 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: GA

Complaint narrative:
The XXXX XXXX XXXX XXXX ( XXXX ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( XXXX, XXXX, and Experian ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX XXXX for this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the XXXX XXXX XXXX XXXX have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the XXXX is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, XXXX  four-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
About 2 years ago I lost my income, and my mother 's XXXX illness was testing me and my families faith. I tried my best to keep up with the bills but ended up getting overwhelmed by them all. Before this period of time i was an excellent consumer with out not missing one payment. My credit score went from a XXXX to a XXXX in a span of a few months. This time period has made it extremely difficult for me to find work because many of the jobs in my field do background checks and credit reports/scores are important. Now life has put me in the tough position of trying to find a room to rent for a few hundred dollars and i can't get approved because how things ended with my creditor. After all those months of payments now it seems like my creditor is out to destroy what's left of my life. CitiBank/BestBuy has called me and my sick mother so much we had to change our phone number, asking for me to pay for a debt i gave my all too to the point of emptying out my savings in hopes that life would get better, but still ended up falling behind and getting the accounts closed.

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 non-monetary relief
Consumer complaint received 2020-01-29 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:
The XXXX XXXX XXXX XXXX ( XXXX ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( XXXX, TransUnion, and XXXX  ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX ) for  this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the XXXX XXXX XXXX XXXX have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the XXXX is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, XXXX  four-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
XX/XX/2020 To whom it XXXX concern : I would like to file a complaint against two collection companies, XXXX XXXX XXXX, as well as Bureaus Investment Group. 

I received a letter today from this XXXX XXXX XXXX, in which they are claiming that I owe a collection debt from XXXX XXXX XX/XX/XXXX, in the amount of {$1600.00}, for an account ending in XXXX. 

I want to make it clear that I do not owe this debt, I did not owe XXXX XXXX XX/XX/XXXX any amount of {$1600.00}, if this is what they are claiming, this is not true. 

If this business has placed this fraudulent charge amount onto my credit files, I want all derogatory information removed, and I would like a letter on their letterhead showing that this has been done. 

I want this company to provide me with their license numbers and Registered Agent documentation.

As well as proof that they are licensed to collect in my state. 

They are slandering my credit with this misinformation, and I want to consult with an attorney about that. 

Also, I want all communication from them to come from them to you, and you can contact me. 

Also the name as how they are writing it on this collection account is not my name, there is no hyphen in my name, and I want that corrected. 

I do not owe this charge amount, and I want my name cleared from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Theres an unknown credit agency by the name of SYNCB National Credit Cards/ Airlines , reporting to my XXXX XXXX account on XXXX  XXXX. Theres no amount shown but its making hard inquiries, one that dates XX/XX/XXXX and the other on XX/XX/XXXX that are negatively affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Due to injury since XX/XX/XXXX, I wasn't earning an income and could not pay my mortgage. Chase Bank agreed to grant me a Forebearance Plan until I returned to work full time, then proceed with a Modification. 
I have faxed the entire required application on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX - expressed mailed on XX/XX/XXXX. Each time, the entire application EXCEPT our signature page was received. The entire application has been again sent, by email today XX/XX/XXXX. Chase has not confirmed this receipt. 
To date, I have spent nearly {$100.00} on copies, faxing services and postage to Chase for my Mortgage Modification Application and to make time to send my documents. 
I am very angry and betrayed knowing our SIGNATURE PAGE HAS GONE MISSING EVERYTIME! I have always responded to Chase in good faith and in a timely manner regarding this Modificationm process I do not understand why the Signature page goes missing EVERYTIME! One would believe it should have been received and processed on the above dates or afterwards as it has been sent to Chase via different methods! 
I have asked many times for advice or a solution to ensure receipt of documents by Chase and was not offered any solution except to keep resending the entire application. 
I am utterly frustrated and don't know where to turn for assistance! 
I hope you can resolve my problem. 
Sincerely, XXXX XXXX Chase Mortgage Loan # XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo I am in to 10 of 24 payments to pay them off thrumy XXXX XXXX XXXX   program I simply want them to reflect my progress of paying them I have asked previously and on the countdown in resolving my debt which I am proud of my program in helping me thru my progress Thank freedom debt relief.I want Wells Fargo on my credit report to show paying off please!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Prevalent DAILY Institutional XXXX discriminatory business practices are continuing to be performed by B of A via it's noted XXXX XXXX business platform!!! I deposited my commission check in the amount of {$11000.00} from my employer XXXX XXXX on XX/XX/20, and the institutional XXXX practice of putting a hold of 2 weeks on a Fortune 500 company payroll check written on another Fortune 500 banking institution ( XXXX ) is  pure XXXX XXXX!!! I have been a banking customer with B of A for 38 years, and this is the kind of customer service treatment that is being provided ... No XXXX way should my funds be held up at all, if I was caucasian this XXXX would NEVER XXXX be taking place!!! This is the 2nd time in 4 months that this Institutional XXXX banking establishment has held up a legitimate banking instrument that I have deposited in their XXXX XXXX institution!

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 2020-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
ISSUE : PayPal is holding my money, denying any attempt to release it. This is involving my business account. I have not had any complaints from buyers or have not sold any service that is unacceptable. There is no fraudulent violation in this case.

I am not the first one that this happened to in my family. We have dealt with PayPal before unsuccessfully. Attempts to resolve any issues are very hard and time consuming since their representatives are very mean, they try to make you guilty for putting the account in the state it is. Any requests to speak to managers or higher up people who are likely to help are denied. Chat support is useless as they can't help with anything regarding fund holds.

This is our living money and it is unacceptable. It is abuse of powers to hold the money I feed my family with. I have two little children that depend on me. Having to deal with PayPal begging them for MY money that I earned is emotionally draining and is affecting my health ...

SERVICE INVOLVED : Regular business PayPal account AMOUNT : {$4600.00} NOTICE OF FUNDS HOLD : XX/XX/2019 SERVICE AGREEMENT : was acc

epted during account creation but I have not read it fully I HAVE CONTACTED PAYPAL personally in an attempt to release my money and was told it's impossible. I have had my lawyer mail them a letter requesting reasons for hold and requesting to release the money. We have not heard anything from PayPal since th
e letter was mailed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have contacted IC Systems Several times regarding a negative item on my credit. I have asked for proper validation if debt. Im aware they purchased the debt from XXXX. However, this is a false debt from XX/XX/XXXX-XX/XX/XXXX. I returned all equipment to XXXX  and owe nothing. I have since been a member of XXXX which was done through a credit check. I owe nothing to XXXX and {$3000.00} would be extremely excessive even if i owed a bill for phones. Since they have not supplied me with proper verification of debt in a timely matter they need to remove negative information until they supply me with validation. How long has IC systems had this debt? When did they purchase the debt? I have received nothing from ic systems. Remove debt!! This is not my debt. If they have my signature on this debt I request proof. I have been a victim of Identity theft and my information was obtained through several different entities including the government hack in which my information was leaked and I was contacted by the office of personal management and given Free identity protection for years. I was also a victim from XXXX Glitch and XXXX breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX from USAA XXXX from USAA XXXX from USAA call I have No hands to answer USAA is aware of my XXXX USAA gives ME NO ACCESS ON LINE OR BY PHONE USAA can not verify me a member of 35 years THIS IDENINITY THEFT WAS REPORTED TO THEM XX/XX/2018 UNRESOLVED AND SENT TO COLLECTIONS LOWERING MY CREDIT SCORE XXXX POINTS THIS HAS DESTROYED MY FI NANCES AND NOW HAS DESTROYED MY HEALTH I REFUSE TO CONTINUE Please tell XXXX from USAA IDENINITY THEFT DEPT ... .. HE IS ( 2 ) TWO YEARS *** TOO LATE AND STOP HARRASSING ME USAA HAS HARRASSED ME TWO YEARS SENDING ME TO COLLECTIONS XXXX YEAR OLD 35 YEAR MEMBER IS OUT I WILL NOT DIE FOR USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Payment was scheduled to hit my bank account on a certain date. I went onto their website and extended the loan which required a payment of {$50.00} which I paid. 

They then claimed I was past due and in default and referred me to the debt collection department who demanded I make payment arrangements which I did. 

I made the first payment. They then charged me a late fee which I paid. 

It has not even been 7 days since the last payment and they are already saying I am past due when my next payment is not even due until XX/XX/2020. 

I have gotten loans from them for years but never again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX from USAA XXXX from USAA XXXX from USAA call I have No hands to answer USAA is aware of my disability USAA gives ME NO ACCESS ON LINE OR BY PHONE USAA can not verify me a member of 35 years THIS IDENINITY THEFT WAS REPORTED TO THEM XX/XX/2018 UNRESOLVED AND SENT TO COLLECTIONS LOWERING MY CREDIT SCORE 93 POINTS THIS HAS DESTROYED MY FI NANCES AND NOW HAS DESTROYED MY HEALTH I REFUSE TO CONTINUE Please tell XXXX from USAA IDENINITY THEFT DEPT ... .. HE IS ( 2 ) TWO YEARS *** TOO LATE AND STOP HARRASSING ME USAA HAS HARRASSED ME TWO YEARS SENDING ME TO COLLECTIONS XXXX YEAR OLD 35 YEAR MEMBER IS OUT I WILL NOT DIE FOR USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Credit Corporation
State: FL

Complaint narrative:
I am suffering from identity theft. Somebody applied for a card in my name. I took the proper steps to dispute it with their internal fraud department, including back-and-forth fax and postal mail correspondence. The account disappeared from my credit reports for a while. Now, it's back, with late fees. Mind you, the ONLY charge on this account, ever, was the annual fee they assessed. Bow, there are late fees and interest accumulating ontop of the annual fee. Their customer service only ever says to email them, which I do, and I get an automated generic thank you response. I had their affidavit signed and notarized twice now. My credit score is severely suffering from a fraudulent account they seem to refuse to help me resolve since four months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America promised me a temporary credit after 10 business days of a pending investigation of two fraudulent charges on my account. 

I am filling this complaint with the expectation that BOA left me with, which is there will be a temporary credit for the two transactions in question no later than today.

Its on a recorded call, several agents say to me that after 10 days I would receive a credit, it has been 14 days ; 10 business days and I need them to keep their word.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
PHH XXXX took out a LPI policy on my loan. 

I've had homeowners insurance with them since 2013 to present. Same address since 2013, same address listed on the Renewal Certificates sent annually to PHH and XXXX XXXX. Same loan number and same Mortgagee and it's accessors and assigns. There was no reason to take out the LPI had PHH and XXXX XXXX did their due diligence and saw that they have been accepting Renewal Certificates with the same address listed since 2013. 

Wasn't until they had a company transition and internal mismanagement that matters became convoluted. They are trying to blame me for their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
Yes I have have file an Identity theft remove in 2018 and this account was removed from my credit report and reappeared yesterday on my credit report. The is item alone took 89 points off my score and I am very upset and willing to do anything to make sure this comes off my credit report. This is not legal if something was removed and then replaced back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The Midland Credit Management continue to call my job after telling them to decease. 
The dates and times are ( XX/XX/XXXX, XXXX XXXX-XXXX,XXXX ), ( XX/XX/20 - XXXX-XXXX,XXXX  ), ( XX/XX/20-XXXX-XXXX, XXXX ), ( XX/XX/20-XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX.Please cease

Company response to consumer: Closed with non-monetary relief