vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I never got one letter stating I owed this amount to XXXX or any letters to say they were attempting to collect a debt they must not have my new address- so I called XXXX and they said I don't owe any money as well and I even have tracking numbers for the equipment that was already returned to XXXX Also, the equipment in question is at my current address under my wife 's name so once again -This is not a valid debt. The debt collection company also would call me at XXXX XXXX in the morning as I have been living in CA for work and then wouldn't state who they were and wanted me to provide personal information before they would disclose who they were and I did not feel comfortable doing so. They violated several laws with the way they called before XXXX XXXX and I'm concerned they are doing the same to others. they also called one time 14 times in a row before XXXX XXXX  My tracking numbers for the returned equipment are # XXXX XXXX  also gave me a ref # that proves I don't owe them any money its ref # 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 non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Cant access my prepaid account on website, it was said that my security information is incorrect, before it displayed incorrect security information I still used the card on website couples of minutes ago when I have to sign in back it kept kicking me out

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 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: CO

Complaint narrative:
In 2017 I lived at XXXX XXXX owned by XXXX XXXX some point it got sold to a different owner now XXXX. XXXX place wrongfully charged me an ETF fee when they released me because of faulty electrical not up to code and that it looks like they were not even disclosing ETFs received on their books because I was paying but my payments were getting lost in the mail and they were not sending me legal correspondence or any invoice to show payments applied. I even had to get the postal investigation office involved. I complained to XXXX too. They stopped colle ting at that time. Now out of the blue this guy XXXX keeps calling me and it sounds fake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
This is not my account nor did I sign anything for this account please review and delete ... this is nog my account its been fraudulently used for over 2 yrs.. opened XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: TX

Complaint narrative:
I received an email stating that PayPal has permanently suspended my account. I have searched and found out that there are no options for account restoration available to me through PayPal 's website. There is is no explanation whatsoever for why is the accounted suspended by paypal. Immediately prior to being suspended I was selling on XXXX  with a 100 % positive feedback from buyers. I also recently purchased a XXXX  XXXX  XXXX  of XXXX of XXXX XXXX XXXX. My Supplier has shipped the order to the customers already but my funds are in HOLD in paypal. I'm unable to pay the supplier now, which is heavily negatively effecting my reputation as a seller on XXXX  and the relation with the supplier for XXXX business. 
Along with the account suspension my funds are on hold for 180 days. Evidently, This includes the ability to pay my suppliers to ship the pending orders. It will lead to angry customers making charge backs. It will cost me big. 

Paypal Case ID ( Ref ID - XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am the owner of XXXX XXXX, an event company that books tickets for Broadway shows, concerts, etc My business was shut down due to Corona. I had a large balance with American Express XXXX at the time, due to inventory purchases for future events. I knew most would be refunded as the events one by one began to get canceled. I tried negotiating with Amex based on this, requesting a credit on the estimated refunds, but they would not listen and they went ahead and filed a lawsuit. 
I ended up settling the account which started out as a balance as high as XXXX but then was lowered to about XXXX due to refunds. More refunds were anticipated over time. I finally settled with Amex for XXXX to be paid over a period of a few months. 
I asked at the time what would happen with additional refunds, AFTER I paid the agreed settlement, but they did not know exactly how they will go about that and informed me that they will look into it. In the meantime, I made payments towards the XXXX settlement, as agreed and I was getting thousands of dollars in refunds at the same time. Those refunds were NOT counted toward my settlement balance nor were they refunded to me. I would like those refunds to be made to ME directly, since the settlement was reached on XX/XX/21. And is currently PAID IN FULL. 
We called Amex numerous times to try and set up those refunds paid directly to me. They informed me that I should be receiving those back. So far, I have not received any refunds from Amex and at this point they are giving me the runaround. I have attached the settlements agreement and stipulation from American Express and the attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: MN

Complaint narrative:
In XXXX of XXXX, I received a debt settlement letter from National Credit Adjusters giving me three different options for settling a debt. I am not 100 % sure what this debt it but National Credit Adjusters reported it twice, as two separate accounts but for the same dollar amount to the credit bureaus. When I received the letter, I selected option 1 and settled the debt for 50 % of the balance and paid {$110.00} on XX/XX/XXXX ( the deadline to pay was XX/XX/XXXX ). 

Since then, National Credit Adjusters has repeated reported the account as being an active debt and has ignored my attempts to contact them for removal ( I've emailed and called as well as disputed the debt via the credit bureau. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Credit Plus Inc
State: IN

Complaint narrative:
- XXXX - has an hard inquiry still on my credit, from XX/XX/2019 which I never had an account with this company. 
- Credit Plus - has two hard inquiries on my credit, from XX/XX/XXXX, & XX/XX/2019 and I've never had an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MO

Complaint narrative:
THIS IS NOT A DUPLICATE REQUEST I filed 4 claims on XX/XX/20 on transactions after my online savings account was fraudulently accessed online and four XXXX transactions were were fraudulently sent from my account to someone named XXXX XXXX. On XX/XX/20 those claims were denied stating the transactions posted as requested. I submitted a second claim on XX/XX/20 after receiving this information. I did my own research and went to US Bank to obtain any information that they could give me on the XXXX transactions that were sent from my account. I spoke with XXXX XXXX who provided me with the person 's name, XXXX XXXX and bank, XXXX XXXX the transactions went to. From there I went to XXXX XXXX and spoke with the Assistant Branch Manager, XXXX XXXX. While speaking with her she verified that the XXXX transactions that those funds did indeed go into XXXX XXXX 's account. She contacted her fraud department to see what they could do on their end but she said unfortunately there was nothing they could do on their end and that US Bank she re open the case. After I left XXXXXXXX XXXX I went to the Police department to file a police report on the situation that occurred and spoke with officer XXXX case # XXXX. A little background, Back on XX/XX/20 my car was broken into and my purse holding all of my personal information was stolen. I filed a police report with Officer XXXX case # XXXX if you need to verify. My guess is, that information was used to access my account and fraudulently send wire transfers from my account. I don't know a XXXX XXXX and would never authorize 3 XXXX transactions to be sent to one individual in one day then turn around three days letter and send another transaction to the same individual. I have been in contact with the US Bank Fraud department several times, with no results. Please someone help me to make this make sense. I feel like I have done everything I can do and have contacted everyone I can contact and have still not gotten results. Today I contacted XXXX XXXX 's Probation Officer XXXX XXXX to let her know of the situation. She is in the process of submitting paperwork for probation violation. I am hoping the have this situation resolved as I have only received minimal communication in regards to my account.

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 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage XXXX # XXXX I received an insurance claim check on XX/XX/XXXX that was made out to both me and the mortgage company. I called Freedom Mortgage to see how to have them endorse it. 
Check # XXXX for {$4400.00} Check XXXX for {$9000.00} I was told to put the following atheization number on ( XXXX ) it and mail it to Freedome Mortgage XXXX XXXX Attn : Lost Draft Dept XXXX XXXX XXXX XXXX MI XXXX I was told it would take 3-6 business days to process it and it would be mailed back to me. 
On XX/XX/XXXX I had not received my check so I called and spoke with XXXX. I was told they had the check but it was not processed yet. At this point I had contractors scheduled to start XX/XX/XXXX and needed to pay them. I asked to have the checks overnighted. I was placed on hold, when XXXX came back he was unable to do this. I requested a call back from his supervisor. Was told it would be 24-48 hours for a call back. 

I had not received a call back, so I called Freedom Mortgage back. Spoke with XXXX this time and was told the check would be processed on XX/XX/XXXX. I asked for it to be overnighted again and to speak with a supervisor. Was told 24-24 for a call back. 

XX/XX/XXXX No call from a supervisor, Called back and spoke with XXXX. Told the check was not processed and that they had switched processing companies. Asked to speak with a supervisor, was told 24-72 hours for a call back. 

XX/XX/XXXX No call from supervisor, called back and spoke with XXXX Was told that the check were now " Under Review '' asked to speak with a supervisor. Was told 24-72 hours, but sent me to a voice mail XXXX XXXX? Left a voice mail explaining my frustration and needing a call back to expedite this matter. 

I really did believe this would be the easy part of process. Unfortunately, I have been given false, changing or useless information from the start. I just want the checks so I can pay the contractors. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase bank has returned to an old practice of temporarily overdrafting people 's accounts in order to charge multiple {$34.00} fees and then processing deposits. This practice had been addressed by government oversight authorities and the practice had been corrected, but now with a new administration, they have gone back to their old ways of shafting customers to pad their bottom lines. Even worse, they now deliberately put customers on hold for extended periods of time to avoid speaking with them regarding their complaints. To make matters worse, they left me on hold for 40 minutes and then transferred me over to their system to give feedback on a new person named XXXX who had absolutely nothing to do with the situation. While chase thought they were going to guilt me into giving this representative a good score, I gave all negative feedback for someone who shouldn't have received it. But a point has to be made and is Chase supervisors are fine with throwing line staff under the bus for their egregious behavior, then look to the line staff to expose managements orders and misdeeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Convergent Resources, Inc.
State: LA

Complaint narrative:
XXXX said i owed them money but I didn't because XXXX XXXX XXXX was suppose to send them money for a buyout program and XXXX XXXX XXXX never did sent money or phones that I turned into them for the biyout program and they never sent any money to me and they said they did but I got any money from them so XXXX put the agaist me and turned me into collection and it went on my credit report well I pay them in full {$1200.00} witch I should have never been responsable to pay that fee but im trying to buy a house and i need this deleted from my credit report. So can you help me get this done. 


.

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 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management
State: MI

Complaint narrative:
My debt was paid off. When I have tried to dispute this with XXXX, I am unable to log into my account. It will claim I don't have an account with them, but when I attempt to create an account, they say my info is tied to another account. I called them months ago when the the debt was originally paid, and they said it would be removed from my account. It hasn't been yet.

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 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I receive noticed from XXXX XXXX that my credit score dropped XXXX points. I looked up my credit and a company called Credence placed a negative remark on my credit report about collecting a debt. The are representing XXXX XXXX XXXX XXXX. I do not have any idea what this about. I have not purchased any products from XXXX XXXX XXXX XXXX. If it's about wireless service I purchase my phones from XXXX only. They are stating the purchase was made on XX/XX/2021 for {$1200.00}. I called XXXX to dispute the negative report and I'm still waiting to hear from XXXX The other agencies state that negative reports are not on their file. I received a letter from Credence yesterday wanting me to fill out a fraud report for XXXX XXXX XXXX XXXX. I called Credence yesterday and it keeps sending me to XXXX. I do not want to fill out any documents until I know what they are claiming that I bought. I looked up Credence on the web and there are many other people complaining about Credence making fraud claims. I prefer to talk to someone in the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: CO

Complaint narrative:
Parties involved in this dispute : MrXXXX and Mrs. XXXX VS TCF Bank On XXXX XXXX my husband came to me and said we have an XXXX XXXX on our account, Can you find out what this is. So I logged on XXXX XXXX and talked to an agent Who said you have logged on to unsecure site and said he could fix it for me. He said to be able to access XXXX XXXX we need to do a few things. One being a picture of my credit card and face. Let me tell you honestly he had me put in some long numbers By the time I realized it he had had drained our checking account. I called the bank immediately by the time I got through all the prompts there was 3 transactions. The bank assured me not to worry we already flagged the 3 transactions. At the same time my husbanded dropped everything and headed to the bank. He sat down with the bank manager she pulled up our account, she showed him the screen with 3 items where flagged and not to worry. Than a quick visit on Monday morning the bank said we let 2 charges go through and flagged one. so this meant NO your not getting your money back On that same day XX/XX/XXXX I filed a report with the XXXX XXXX police department. I gave the wed site and who I called case # XXXX Since than we have spent hour after hour fighting with the bank, As you will see in the paper work the bank will not return our money because they said we benefitted from the transaction. The whole thing is a nightmare We lost {$5500.00} They said we bought crypto currency. WHAT??? I admit I was very irresponsible and down right stupid. However my complaint is why did they return one and not the other 2. Please help us as we have called every week to get answers, they keep sending letters why they are not working with us This has left us in a very dire situation Please Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I initiated a XX/XX/2021 withdrawal request in the amount of {$4400.00}. There were three transactions selling XXXX to support the withdrawal request in the amount of {$4400.00}. I followed up on XX/XX/2021 and was told the first request failed and to submit another request, so I initiated a second withdrawal request. I followed up on XX/XX/2021 and was told on XX/XX/2021 the second withdrawal request failed and that I should put in a third request, where customer support would forward my request to IT afterward. Counting today, it has been 13 business days since XX/XX/2021, which exceeds the 5-7 business days for the withdrawal of funds to take effect. I understand the cash is still in my XXXX XXXX account but I'm not understanding why this hasn't been transferred to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Nationstar Bank has failed to close the satisfaction of mortgage and is preventing me closing on a home. Mr Cooper the server, have also failed to complete and register the title, failed to close out the title to the previous owner.

Company response to consumer: Closed with explanation