vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
in this account i have a settlement with the company which they asked for an amount to pay off this account. I paid this off in 3 payments they stated it would come off my credit all was settled. Well it was sold to another company after I paid the settlement amount.

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 2021-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: AL

Complaint narrative:
United Wholesale Mortgage has charged us PMI on our VA loan over the past year. The amount totals over $ XXXX. They have not corrected the probably despite multiple attempts from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been having an issue with Citi bank since XXXX of 2020 until currently now. I have downloaded an app on my phone that allowed me to play games and they had my card information. I had unauthorized payments that was constantly trying to get deducted from my accounts that created negative amounts in my account. Ive spoken to over 20 representatives to get try to figure out my situation. Every time those negative balances was input citi bank did not do what I requested as far as to put a hold and freeze to my account to not allow anymore unauthorized transactions to create negatives in my account. Instead they wait until to my deposit to enter my account and take half my money. Ive complained and nicely asked if I can get my funds back for the mishappenings they couldnt stop. I was deposited of XXXX of my stimulus check and they deducted approximately {$400.00} out of my account and blamed it on the overdrafts that were owned instead of opening a new account for me to save my money from being deducted with the unauthorized over drafts. They said they have been doing investigation for 10 days every time I would call the same 10 days is processing after a few days has passed! Recently a new situation had occurred again with my job and HR had tracked my deposit and told me I was paid and citi bank lied and said they credited me my full amount after Ive recently called about half of my XXXX was only given. Once I called and was confused on that matter they blamed my job for holding on the run rest of the amount. Now its a new story stating they created and Ive been watching their false changes make on my statements as soon as I put in message about it. Making it look like I received my funds and havent. My statements show that what we funds I had available I would send to my XXXX account to prevent from citi bank making any more mistakes on taking my money with their overdraft methods. Im absolutely upset with this bank and I believe their taking my money on purpose. They owe approximately {$700.00} for the mistakes they couldnt fix. Im currently on the phone with a representative and still waiting 45 minutes on the phone. No help just highly rude and dismissing their customers.

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 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MS

Complaint narrative:
This is on all three credit reports IC System ink and XXXX XXXX XXXX i was checking my reports and and found this account i have call them and told them i have never levied outside of Mississippi this is a light bill from Florida i have never livid there and have not let anyone used my name.

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 2021-01-20 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
On XX/XX/XXXX my bill for account ALLY FINANCIAL Reported : XXXX XXXX, XXXX did not go through when it was on the auto-bill in the bank XXXX XXXX XXXX DEALER FINANCE. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

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 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We just received our new mortgage statement for XXXX. They are saying they under proposed our escrow payments for XXXX and in doing so we now owe {$4800.00}. That is a huge amount and I don't feel like I should be responsible for almost {$5000.00} because they did not quote or do their research into what our charges would be for the year. I have never missed a payment or given any trouble on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive recently obtained my credit report in an effort to clean up and fix my credit and was surprised to find a bankruptcy in XXXX XXXX is on my report. I live in XXXX ca and have never filed for bankruptcy. My understanding for bankruptcy I would need to go through legal aid and visit the office which neither I have done. 

I can provide bank statements for the past several years that will show Ive never retained legal aid in order to file for bankruptcy or have even traveled to XXXX XXXX to visit this office. I have tried to contact the office to no avail, probably due to covid, and the office is not taking visitors and when you call the phones message just repeats with no access to a live person. 

I filed a dispute with experian who has stated this is true even though it is not true. Just because my credit is not the best does not mean Ive gone down the bath of bankruptcy. 

You can check my id and my signature as proof that whatever has been filed with the bankruptcy court of XXXX XXXX does not match my information.

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 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a 25 year. customer of Bank of America. I was sent an advertisement by B of A stating I would get a bonus of {$200.00} if I opened a new credit card. and spent {$1000.00} within 90 days. The account was opened on XX/XX/XXXX. I received the credit card on XX/XX/XXXX. I called " XXXX '' employee number " XXXX '' on customer service number. After 40 minutes waiting, I asked him " since I received the credit card on XX/XX/XXXX ( 35 days " after '' it was opened by bank ), does that extend the " 90 days in which to spend {$1000.00}, and still get the bonus ''? XXXX checked with supervisor and told me " NO, '' unfortunately, I must spend the {$1000.00} within 90 days starting XX/XX/XXXX, NOT 90 days from receiving the card on XX/XX/XXXX. I consider that false and fraud advertising, since the bank sent the card 35 days after opening, which decreased my ability to spend {$1000.00} within 90 days, to force me to spend {$1000.00} within 55 days. The is a scam on the bank 's part and false adverstising making me, the consumer, believe I could use the card from XX/XX/XXXX to earn the {$200.00} bonus, when in fact I could not " begin '' to use the card until I received it on XX/XX/XXXX. Thank you, XXXX XXXX, ( XXXX ) XXXX - XXXX XXXX XXXX XXXX, CA 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 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept 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 2021-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I purchased a car XX/XX/2020 or around that time. With a extended warranty that most service department at major dealerships do not honor 3 weeks into the loan the motor blew I tried to used the warranty going in they claimed not to cover this or that so hey I was stuck with the out of pocket expenses. 2 month as later I received a call from XXXX XXXX XXXX and they said we have to replace your motor they contacted the warranty dept and they said we will pay 2 hours of the 12 hour labor but tear the motor down and we will send a inspector out. A day later I received a call and the guy said we stop working with this company because they failed to pay us several times on jobs we done. I contacted the dealership I purchased the car from and they told me to contact the back thats keep insisting I contact the warranty company that receive payment from me to them every time I pay my car note. They claim the warranty company didnt deny the loan but if the only person that could work on my car is a certified XXXX mechanic in which I would find only at a dealership could work on this car in which the company itself does not accept this warranty its useless and I explained over 10 times. The bank is scared to lose relationship with the dealer because they able to make 30 % or more interest off its customers. Now Im stuck in in the middle of do the right thing or profit off a company that been making us a lot of money ripping off consumers. Inspire of me losing my job and will be homeless once XXXX left the eviction hold I still managed to pay my note and insurance my kids missed XXXX. When this car broke down I was in the middle of no where stranded for two whole day with no food no water no phone because the area had no service. And all credit acceptance keep saying call the warranty department not once trying to contact the dealer to see why did the motor go out in 3 weeks as long as they get they 30 % and the dealership keep sending them business thats all they worried about. Its a pandemic and the bank is taking advantage to the fullest and would rather make a dollar then to satisfy consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Please accept this as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await the requested proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On Friday XX/XX/2021 I disputed 3 items on my credit report.. 
On XX/XX/XXXX t Items disputed were resolved The credit bureaus listed below never submitted my request for verification of debt According to the fair act the credit bureaus must submit a dispute when requested particularly when issues of data have been changed

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 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I acquired a loan in XX/XX/2016 from Honor finance. The loan amount was {$10000.00} my payment per month was {$490.00} The during the first 8 months of the loan my car malfunctioned so I was not able to use it Honor finances warrantee covered the cost and deferred one of my payments towards the back of loan.. they did this because I had been paying my loan time and I kept in contact with them. In addition I had an option to defer. Months 12 into the loan and payments the company was brought out by Westlake portfolio they unexpectedly readjusted the terms set by Honor finance. Westlake portfolio forced me to.pay the deferred payments plus penalties in addition Westlake portfolio removed Honor finance from all three credit bureaus I called Westlake portfolio to take the car But as of today XX/XX/XXXX the car still appears to be mine here in illinois accessed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I arrived into Ga XX/XX/XXXX anxious to start a new life. I was working at XXXX XXXX XXXX XXXX. In which I opened an account at Bank of America. In XX/XX/XXXX I went online to seek opportunities for part time work. I saw some apps for XXXX XXXX. I applied for one thinking that it was legit. It sounded like something that would fit my current work schedule. After submitting my application I received an email stating that I would receive further instructions in mail. A couple of days later I received a check which looked vety authentic and step by step instructions telling me to deposit check, take money out and go to XXXX, purchase a item etc. I anxiously, not stopping to think it could be a scam, went and deposited the check into my account. When I got back home I reread the instructions over and over again finally realizing it was a scam. I immediately called BOA explaining the situation asking if the check could be rejected. The person informed me to call first thing the next morning. The next morning I checked my account and it had been locked. I called and the person explained that my account had been closed and I could never open an account with BOA. I had no idea that my name had been submitted to a list for fraudulous activity. If you check my background you will find no history of closed accounts, outstanding checks etc. Also check my activity with XXXX XXXX and XXXX XXXX XXXX. 
I recently opened an account with XXXX XXXX only to have it rejected due to the previous incident. Please ma'am or sir I was a victim of scam activity. I work hard every day and would never intentionally pass a counterfeit check. I need help in getting this matter cleared up. I WAS AN INNOCENT VICTIM. 

THANK YOU 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 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was really surprised when I reviewed my credit report and found there was a late payment on XX/XX/2019. 

I am not sure how this happened. I believe I made all my payments on time. Is is possible I never received my bill.

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 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: AZ

Complaint narrative:
I would like to file a complaint against XXXX XXXX XXXX XXXX and Remex , Inc.. I rented a furnished vacation rental from XX/XX/XXXX XX/XX/XXXX from XXXX XXXX XXXX. We paid in full for the two months stay and also paid {$200.00} for move-out cleaning. During our stay, we had 2 mid-stay cleaning services and paid {$150.00} for mid-stay cleaning. After we moved out on XX/XX/XXXX, XXXX XXXX XXXX from XXXX XXXX XXXX alleged that we damaged the house and claimed an additional {$930.00}. The claims were unreasonable and false as normal wear and tear occurred during the 2-month short term stay. We offered to pay {$200.00} to settle the matter on top of already paid cleaning fees. I filed a complaint with Arizona State Attorney Generals office ; however, we could not settle the matter. That complaint was closed in XX/XX/XXXX. 
Thereafter, in XX/XX/XXXX, XXXX XXXX XXXX hired Remex , Inc., a debt collector agency to collect the outstanding amount. I asked Remex, Inc. to send me the documentation in support of the debt claim, however, no documentation was received from their office. I followed up with Remex on XX/XX/XXXX and was informed that XXXX XXXX XXXX has withdrawn the debt claim, and my account ( Account No. XXXX ) has been cancelled and no payment is due. It was confirmed by Remex that my account was closed and no action was required on my end. 
However, in XXXX XXXX, Remex negatively reported to the credit bureau and my credit score decreased by 131 points. I called Remex as to why that action was taken after being told that my account was closed. Remex changed their statement and claimed that they never advised me of account closure on XX/XX/XXXX. I requested them to check their call recordings of XX/XX/XXXX but they did not co-operate and hung up without providing an explanation. Remex, Inc. used false tactics and misinformed me about cancellation of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: PA

Complaint narrative:
Call to XXXX XX/XX/2020 XXXX est XXXX , Supervisor advised I need to call DNB and ask why theyre not reporting my account. She then advised me to write via snail mail to your internal Credit Bureau Disputes department and dispute why my account isnt being reported. 

XXXX, Call Center Manager, then advised much of the same. She went on further to state its my prerogative whether to take her advice or not. She spoke in a very condescending and matter of fact tone. She told me who her superior was ( XXXX, Team Manager ) explained and reaches him via text and email but would NOT be contacting him for my issue, and stated under no circumstances would he oblige a return call request from me. She stated she is the highest level of management that would help me and if I didnt like it I needed to write a snail mail letter. 

I reminded XXXX the majority of the world is working remotely like she is due to the catastrophic Covid pandemic and instructing me to mail a letter when she could simply contact her superior for additional information would further exacerbate my issue. 
To this, she replied snakily, OK I grew more frustrated and asked my account to be fully detailed about this interaction ( she said nothing ) Exhausted and feeling hopeless, I asserted I would contact the XXXX XXXX XXXX, the attorney general 's office, and the consumer protection bureau. XXXX wasnt phased she simply said OK. 
I then terminated the call. 

Emailed the following via XXXX and got no response. 

- XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX VP - XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX, Director of Strategic Partnerships - XX/XX/2020 at XXXX XXXX XXXX XXXX VP Relationship Management

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