vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank close my account XX/XX/2021. I went to citibank after that and they told me they are mailing my balance in check which should be received in 7-10 business days. After 10days I went back to citibank and they told me, it'll take one month. After 1month or almost 3months now I went back to citibank again and they told me they can not release the funds because it's too big. The amount is XXXX. My checking account is been close since XXXX and they can't release me my check and nobody seems to know what's going on. I tried to call the fraud department but they tell me to go to branch and I've been doing same thing over and over. I also need to change of address to my new house XXXX XXXX XXXX XXXX XXXX ca XXXX but they not letting me because they Said the account is close.

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 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Hello, I had been a resident of XXXX XXXX  XXXX XXXX XXXX XXXX Texas - XXXX for almost three years. At the time when I first rented the apartment, I paid a security deposit of USD XXXX. At the time of vacation, I was charged USD XXXX, which included reletting fee ( XXXX ), damages ( XXXX ), and cleaning charges ( XXXX ). I paid the complete amount through my credit card. In the invoice provided, they no where mentioned about the adjustment of the security deposit I paid during first renting out the apartment. 

When I realized, I tried to reach out to the XXXX XXXX  at the same address through phone as they were not available in office due to covid-19. At first, no one answers the call, which can be confirmed from the residents there, they also practice racism. Finally, I wrote them email as well and after many attempts could connect with them over the phone. The response was improper and they were not pleasant while talking. 

Now, they are sending me notices for paying USD XXXX via the Rent Recovery Solutions, LLC. Also, my credit history also got a hit as it has been wrongly reported. 

I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: National Credit Systems,Inc.
State: NY

Complaint narrative:
I received a response to a former complaint on cfpb by National Credit Systems, that they will be removing an inaccurate collection account on my credit profile from each credit bureau on XX/XX/21. This inaccurate collection account remains on my XX/XX/XXXX credit report and National Credit Systems have been unresponsive to my request to delete this inaccuracy from my credit report immediately as its still currently showing on my profile and its negatively affecting my ability to obtain credit. They have NOT deleted the account as they promised to do so accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
Ive paid a debt with Kay jewelers and it has yet to disappear off my credit report and its making it hard to apply for any credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In XXXX my home was damaged in hurricane Florence. I fought with the insurance company for two and a half years. My roof was unstable and severely damaged. Hurricane Dorian was headed to Florida and I feared my roof would not make it. I then paid out of pocket over {$25000.00} to get a new roof before another hurricane came. By doing this I fell behind on my mortgage. When the pandemic hit in XXXX of XXXX, my income was disturbed due to a closure at the spring training facility at which I am employed. I contacted my mortgage company XX/XX/XXXX and explained that I needed my insurance check to reimburse me and that money would make it possible for me to pay them. Although I mentioned COVID effecting my income, no assistance was offered. I was not given my insurance check and was unable to pay. Again in XXXX, XXXX I contacted my lender and requested they release the insurance check. I again explained that I needed to be reimbursed to reinstate the loan. Again, I explained that COVID had disrupted my income. Again, I was not given the insurance check and was not offered any COVID assistance. I was told that I would have to apply for a modification. I did. The modification review was open from XX/XX/XXXX - XX/XX/XXXX. I was denied and no assistance is available to me. SPS also filed for foreclosure. I was negatively effected by a hurricane and a global pandemic and my lender has withheld information regarding possible assistance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Todd, Bremer & Lawson, Inc.
State: VA

Complaint narrative:
Today, I was reviewing my bank statement and discovered a draft by Todd, Bremer & Lawson ,  Inc for {$900.00}, dated XX/XX/2021, which I was never billed for and NEVER AUTHORIZED. 

I called the number listed on my bank statement for your company XXXX ; and after I explained the situation to a Customer Service Rep, she hung up the phone. 

I called my bank who holds the Debit Card which you used to steal the money from me and started a fraud claim. 

Todd, Bremer & Lawson , Inc accesses my bank account and without my permission, authorization neither verbal or written STOLE {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX account listed under XXXX XXXX XXXX Account # XXXX Balance : {$140.00} This account does not belong to me. 
I have disputed this account several times with Experian Credit Agency, an they have yet to respond to my disputes.

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 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/21 an unauthorized wire transfer in the amount of {$3500.00} was sent from my Chase checking account to a XXXX XXXX account along with a fee of {$25.00}. This transfer occurred as I as on the phone with Chase handling fraudulent activity that was occurring on my debit card on the same day. I was told that it seemed like someone had access to my mobile banking. 
A claim was made on XX/XX/21 regarding the wire transfer fraud and Chase requested to recall the funds from XXXX XXXX. On XX/XX/21 Chase sent a secure message stating that a recall was not possible and advised me to file a police report. I filed a report with the XXXX County Sheriff 's Department ( report # XXXX ). The Investigator called on XX/XX/21 and stated that there was a clear indication of fraud and funds should be returned, his contact information is XXXX. I then gave this information to Chase on XX/XX/21 and received a duplicate response from chase on XX/XX/21 stating to contact law enforcement once again. I stated that I already did, that they were able to see that it was in fact fraud and stated that I should have money returned. On XX/XX/21 I received a message stating that they can not return money because the money is not with them. I have tried multiple times to get my money back, jumped through every hoop I was told to comply with Chase, and still have not gotten the funds returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-19 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
My name is XXXX XXXX and my bank Chime closed my account on XX/XX/XXXX. I was told there was a hold placed on XX/XX/XXXX. I sent all documents needed and waited patiently. After they closed my account they didn't tell me why or accept my calls everytime I called. They said I had to contact them via email to there support line. I have reached out via email for the last 2 months and only received automated responses. I've had to sell stock and other assets to make ends meet during this closure. They have sent me XXXX dollars that was in my credit builder account but nothing else. I had XXXX $ in my checking and XXXX $ in my savings.i feel robbed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Nationwide Title Clearing, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX by Nationwide Title Clearing Inc. its attorney-in-fact assigned mortgage to XXXX XXXX XXXX  with XXXX XXXX signing as Vice President. 
I would like to file a complaint against NTC and demand they disclose who autorized them to prepare assignment to XXXX XXXX XXXX  On XX/XX/XXXX XXXX XXXX XXXX then assigned mortgage to XXXX XXXX XXXX XXXX For XXXX XXXX XXXX XXXX by XXXX XXXX XXXX  XXXX with XXXX XXXX signing as Assistant Secretary. 
I would like to file a complaint against XXXX XXXX XXXX  XXXX and demand they disclose who autorized them to prepare assignment to XXXX XXXX  XXXX XXXX for XXXX XXXX SC XXXX ( even though XXXX XXXX states in letter attached that they do not own the loan or mortgage nor service the account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: CA

Complaint narrative:
I have fraudulent inquiries on my credit report that I request be removed under the FCRA. I have attached proof of my Identity, address, and Identity theft 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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I REQUESTED ANNUAL FREE REPORT FROM ALL 3 " CRA '' ON XX/XX/2021 AND BEEN OVER 45 DAYS HAVE NOT RECEIVED TO HOME ADDRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
There is inaccurate information on my credit report. I have contacted the company on various occasions about the accounts in question, and the company has failed to respond within liable time ( 30-45 days ). Also, the company has not provided the original contract and information on validating this information.

I am requesting that the account be removed and deleted from my credit report immediately. I have sent letters to all 3 credit bureaus and validation letters on the following days. XXXX XXXX 2021. The letters has been sent to XXXX XXXX and XXXX. To date no documentation has been provided. The company has failed to comply with the request for validation. By Law they have to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Services is the worst debt collection company in America. They use spoofed phone numbers and call at all times of day. They call my employer, distant family members, and even somehow got the number for my XXXX XXXX XXXX daughter 's cell phone and called that number. The lie and say they have legal documents, because I do not have any collectible debt that I owe them. They are trying to intimidate me into paying them by smearing my name with my family and employer. I owe them nothing. I have repeatedly asked them to stop calling and sent a letter demanding that they cease calling, but it doesn't end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
MY NAME IS XXXX XXXX, I HAVE SUBMITTED COUNTLESS LETTERS TO THE BUREAUS REGARDING FRAUDULENT INFORMATION ON MY CREDIT THAT IS NOT MINE! THE BUREAUS ARENT HONORING MY DIPSUTES SO IM ASKING FOR THEM TO REMOVE ALL FRAUDULENT INFORMATION THAT IS ON MY FTC REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have fraudulent inquiries on my credit report that I request be removed under the FCRA. I have attached proof of my Identity, address, and Identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: MI

Complaint narrative:
I initially disputed a collections on my credit report back on XX/XX/2020, transunion removed it because they found it to be invalid. 

The same collection amount was then placed with a different company. Transunion then placed it back on my credit report although they have previously found the debt to be invalid. I have since disputed 3 times, once in XXXX, once in XXXX, and now this month. 

I contacted transunion in XXXX. I explained this wasnt a valid debt they stated they saw where it was previously removed. I asked them to provided written documentation of the dispute including documents showing my signature and explanation of the debt being valid. All they did was provide a letter stating that they verified it was valid. But not proof was provided. 

Im very frustrated, I want elevate recoveries removed from my credit report. They have not provided any valid explanation for debt nor have they ever contacted me. 

Im frustrated with transunion. This is affecting my credit. I have attempted to apply for a school loan and it is affecting that as well.

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 2021-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
On XX/XX/21 Acima responded to my 2nd complaint about my consumer laws that was broken by their company. Acima basically told me that the laws do not apply to their company because their not a creditor or lender which is incorrect. Acima is in fact a creditor by law U.S.C. 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. My extending agreement was for more than four installments my agreement was 12 monthly renewal payments of {$360.00} before tax, plus an initial payment of {$50.00} before tax, for a total of {$4400.00}. I also called on XX/XX/21 when talking to a representative from Acima they told me they didnt know what they were and said he do not know why it was said that the company is not a creditor. He then transferred me to his supervisor. He also was confused but said they are a leasing company which is the same and the rule apply to them also by law 15 U.S. Code 1667d. This will be my last time contacting Acima for this matter if not corrected future criminal liability for willful and knowing violations will be imposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: AZ

Complaint narrative:
MY NAME IS XXXX XXXX, I HAVE SUBMITTED COUNTLESS LETTERS TO THE BUREAUS REGARDING FRAUDULENT INFORMATION ON MY CREDIT THAT IS NOT MINE! THE BUREAUS ARENT HONORING MY DIPSUTES SO IM ASKING FOR THEM TO REMOVE ALL FRAUDULENT INFORMATION THAT IS ON MY FTC 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 2021-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I paid an annual fee in full of {$450.00} and the company decided to close my account during the year. Nowhere in the card member agreement does it state that I am not entitled to a pro-rated refund of the annual fee. The company needs to refund partially my annual fee payment. When you pay for an annual service and the company stops providing the service during the year, it is not right ( and arguably not legal ) to keep the entire fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-19 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: TX

Complaint narrative:
reached out to the collection agency several times, and they fail to respond to debt validation letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
Certified letter sent to collections agency requesting proof of debt. Was not provided. 

Delivered XX/XX/2021 This account was fully paid last year. I called and confirmed with XXXX after returning my unused equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: TX

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 they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.

Company response to consumer: Closed with explanation