vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XXXX @ XXXX XXXX  I was contact by Portfolio Recovery about at debt at my work phone number. I immediately asked the representative to remove this number and not call me at my job again, as I am a XXXX. In review of my work caller ID, I was contacted again on my work phone on dates : XX/XX/21 @ XXXX XXXX  XX/XX/21 @ XXXX XXXX  On XX/XX/21 @ XXXX XXXX  I received a call from a " wireless number '' instead of it stating " Portfolio Recovery. '' I informed the rep again, that they should not be contacting me at work, and they can contact me by my cell phone or by mail. I informed the rep, that I had already told someone this on the previous Thursday. 

On XX/XX/21 @ XXXX I again had another missed call on my work phone from " Portfolio Recovery. '' Since the first time I informed this company I am not allowed calls at work, they have continued to contact me ( at least 4x. ) They will also change the phone number they are calling from to get someone to answer the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2021, I spoke with agent XXXX agent IF XXXX requesting my payment to be extended due to an extenuating circumstance. I was recently in a car accident and I wont be able to drive. They denied my request and I escalated up the channels through Chase Auto Finace and they still denied my request. I need my payment to be extended for 1 or 2 months due to financial hardship and I would like your assistance to make it happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX i made a purchase a product from ebay for {$340.00} with my Capital one credit card and only received 1 side of the shoe i purchased. after several attempts to resolve I reached out to my CC company. The company started a claim and sent me a link via email to submit pictures of what I received, receipt, discussions with the seller, all of which i provided. On the XXXX of XXXX I called in and was sent another link as all my pictures were not recieved. gain I submitted. 
However on Friday XX/XX/XXXX I called to follow up on the case to be advised that my case was closed on XX/XX/XXXX. When I asked why I was advised that a letter was sent to me on XX/XX/XXXX to submit a letter from a third party in the same category on the third party 's letter head 'giving reference on how they would solve my issue ''. I advised that I did not get this letter and asked how long does the letter take to get to me. I was told 7-10 business days. From the date of XX/XX/XXXX when the letter was sent the 10th business day is XX/XX/XXXX. My case was closed on XX/XX/XXXX, which means that even if i had gotten this letter the case was closed even before i could send the info in. 
The company is now refusing to correct this issue, when i advised that i was never told i needed this letter by their reps i was advised that none of the reps left any notes. 

Kindly assist with rectifying this and ensuring that the reps of this company correct note what transpired with customers and also provide accurate information to avoid customers from suffering.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have no knowledge of this debt. I recognize the originator, XXXX XXXX but I only viewed an apartment. I did not sign any documentation agreeing to lease. 

Complaint : Hunter Warfield failed to validate provide proof of alleged debt. 

XX/XX/2021 - I sent a Debt Validation letter via certified mail to Hunter Warfield Inc. 

XX/XX/2021 - Certified letter was delivered successfully according to USPS tracking # : XXXX XX/XX/2021 - No response received.

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 2021-03-16 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: TX

Complaint narrative:
*Vehicle was traded in on XX/XX/XXXX. 
*Payoff check XXXX {$29000.00} was mailed XX/XX/XXXX to the standard Payment address posted on XXXX via USPS : XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX *On XX/XX/XXXX, XXXX XXXX advise to issue a Stop Payment for 'non-receipt ' and re-issue a new check with an new payoff amount to a different address for Lease Payoffs : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX *The check posted the following day on XX/XX/XXXX and was returned due to Stop Payment they advised to issue. 
*A new check XXXX {$29000.00} was mailed overnight via XXXX tracking on XX/XX/XXXX. Tracking # Tracking Number XXXX. Delivered XX/XX/XXXX XXXX as per XXXX Tracking. 
*After numerous calls, XXXX located the payment XXXX delivered XX/XX/XXXX on XX/XX/XXXX. XXXX posted the payment effective XX/XX/XXXX. 
*In the interim, between XX/XX/XXXX and XX/XX/XXXX, Genesis reported me as 60 Days Delinquent on all 3 Credit Bureaus Equifax XXXX Trans Union and Experian 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 2021-03-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
*Vehicle was traded in on XX/XX/XXXX. 
*Payoff check XXXX {$29000.00} was mailed XX/XX/XXXX to the standard Payment address posted on XXXX via USPS : XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX *On XX/XX/XXXX, XXXX XXXX advise to issue a Stop Payment for 'non-receipt ' and re-issue a new check with an new payoff amount to a different address for Lease Payoffs : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX *The check posted the following day on XX/XX/XXXX and was returned due to Stop Payment they advised to issue. 
*A new check XXXX {$29000.00} was mailed overnight via XXXX tracking on XX/XX/XXXX. Tracking # Tracking Number XXXX. Delivered XX/XX/XXXX XXXX as per XXXX Tracking. 
*After numerous calls, XXXX located the payment XXXX delivered XX/XX/XXXX on XX/XX/XXXX. XXXX posted the payment effective XX/XX/XXXX. 
*In the interim, between XX/XX/XXXX and XX/XX/XXXX, XXXX reported me as 60 Days Delinquent on all 3 Credit Bureaus Equifax , XXXX XXXX and XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Union Bank has blocked use of my VISA credit card # XXXX, for well over a year. 
Although Union Bank may have a right to close a credit card, they do not have a right to damage me by forcing me to have an open credit card with a valid credit limit, but not let me use it. This damages me as I can not apply for other business credit cards, as the credit bureaus are reporting that I have this credit card open. It is also a burden on me to have to watch incoming statements for this card. 
I have made roughly 30 requests that this card be either opened or closed, however Union Bank has ignored all of them.

This includes an in branch visit to a Union Bank branch. 
After many, many calls, over many months, I was referred to XXXX at XXXX XXXX XXXX XXXX. 
After roughly 15 messages XXXX responded zero ( 0 ) times. 
Aside from this problem, I have had a very good relationship with Union Bank, both with credit cards and bank accounts for many years. I bear them no ill will. 
Accordingly, if they remove the block on my account, I will consider this as an unfortunate mistake, committed in good faith, and I will withdraw my CFPB complaint and I will not pursue legal action. 
However, if Union Bank continues to stonewall me, then I will continue with this complaint and with appropriate legal action to seek reimbursement for my damages, including punitive damages for intentional wrongful acts by Union Bank. 
If, by their future actions, Union Bank shows that are acting in bad faith, I would suggest that the CFPB, under threat of litigation, require 1 ) a written statement confirming either that blocking a customer 's account for ~ 2 years with no explanation was not their policy, and committing to a specific plan to properly train the employees ( like XXXX ) who handle these matters, or 2 ) a statement that it was their policy and a written plan to change that policy and to train their relevant employees on the new policy. 
Please feel free to contact me if I can be off further assistance. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This is a follow-up complaint to issue XXXX, associated with a billing dispute. Citibank has not resolved the issue as implied in their response to CFPB. 

During the period of disputed charge with a vendor, Citibank has charged interest associated with that dispute. My most recent statement shows that interest was applied during this period. Citibank indicates the dispute is resolved ( vendor has provided credit ) but hasn't addressed the fees they inappropriately collected during the period.

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 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: NY

Complaint narrative:
I am not liable with a debt with XXXX XXXX XXXX billing. I do not have any contract with Designed Receivable. This is an invasion of my privacy and defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: DE

Complaint narrative:
In XX/XX/XXXX, I noticed a collection on my credit report from Professional Finance Company ( PFC ). On XX/XX/XXXX, I sent a letter to the company to verify this debt. Their company received my letter on XX/XX/XXXX. They failed to respond to the letter of verification sent to them. After 45 days passed, I then proceeded to file a dispute with the Credit Bureaus specifically informing them that PFC did not respond to my request for verification. After disputing with the credit bureaus, PFC mailed me a bill with no explanation on how said bill belongs to me. On XX/XX/XXXX, I then mailed PFC again, to explain that the information provided was not accurate and the remove the inaccurate information from my credit report. To date, XX/XX/XXXX I have not heard back from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WI

Complaint narrative:
At the time I disconnected service from XXXX, now listed as IC systems on my credit report, there was no balance. A balance was accrued due to unreturned equipment which I returned the equipment about a year later to XXXX in downtown XXXX. I called shortly after returning equipment after being told by a rep at XXXX that the company does have a tendency and reputation to not credit accounts for equipment being returned and sure enough the company is and has stated on numerous occasions that the remaining balance is associated with a balance for service and it is not. I would like this removed from collections as I do not owe a balance for service and equipment has been returned.

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 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/21 two automated withdrawals went through to my account and were processing one was for {$14.00} and the other for {$5.00} this left my account in the negative around {$17.00} so I did an instant transfer from XXXX of {$19.00}. This transfer processed through before the two charges were finished processing and her I was charged two {$35.00} overdraft fees. My account is currently overdrawn the amount of overdraft fees. I called BoA to resolve this because it was clearly a system error but they refused citing the instant transfer may not have processed before the cut off time, I know I did because I checked my account until it had, they would not tell me the time that my transfer processed and refused to cancel these fees. We are in a pandemic, I am unemployed and yet I made sure there was money in my account to cover these charges and they unlawfully charged me these fees.

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 2021-03-16 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: MI

Complaint narrative:
On XX/XX/2020, I 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 Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days 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 gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I am in Covid forbearance but need help with my mortgage payments. The Money Source is claiming I have to pay the forbearance amount of {$12000.00} all at once and they are not able tack forbearance on the back-end of the loan like many mortgages companies are allowing during this pandemic. 
On XX/XX/2021 XXXX XXXX said I need to resume making payment and then file for a VA disaster modification. I called on XX/XX/XXXX ready to make a payment and apply for the VA disaster modification and she said I did not qualify. I am elderly with a XXXX XXXX and on a fixed income with rising expenses such as medical expenses, food, gas, utilities and taxes. My husband just lost his four XX/XX/XXXXdo to an XXXX and I now have to have thoseXX/XX/XXXX. This is just one example of our many problems right now. Not being able to get our mortgaged situation resolved during the Covid pandemic is causing me unnecessary stress. 
My mortgage interest is 4.85 % and with the new lower available rates which are under 3 %, I should be able to either 1 ) modify my loan to make the monthly mortgage affordable or 2 ) tack the forbearance on to the end of the loan like numerous mortgage companies are authorizing. I can complete the paperwork but because The Money Source stated I do not qualify verbally for a VA disaster modification, I am concerned we will lose our home. I am not sure why The Money Source is not offering simple programs like many of my friends and family in this same predicament with financial difficulties due to Covid19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Colony Brands, Inc.
State: WA

Complaint narrative:
I made a purchase from XXXXXXXX XXXX the catolog store. They sent wrong item, I notified the company that I was sending the item back to them, nothing was said or done at that point. then it took me 6 months to get them to rectify the records, they were charging me late charges and the whole shot. even after they had admitted to having the package I sent them they still would on rectify the issue. finally after I kid you not 6 months they finale admitted to the exchange and refunded my money.. after 6 month of a constant brash of phone calls and letters sent clear to the top of the organization.. I thought this was over now i see they are still destroying my credit record. My question is how can these people keep getting away with XXXX with people like this???? This is nothing short of criminal!!!!. Nothing on my credit record regarding this issue has been done since XXXX. explain that? and just try to get them to do something about it is a lost cause ... I am going out of my ever loving mind as to the XXXX XXXX they have pulled on me total run around every time I try to contact them regarding this issue. I need this removed from my record and any remanence of any more XXXX from these people stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Payment never late successful iconSubmitted XXXX XXXX Not mine or No knowledge of account successful icon

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 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My husband passed away on XX/XX/2020. On XX/XX/XXXX, our Social Security Check, totalling {$1600.00} was direct deposited into our account. Our bank put a hold on the check bc it was issued in my husbands name and he was deceased. I spoke with the Social Security Administration. They advised bc he was alive for part of XXXX. I am entitled to our check in full. They asked that the bank either release the funds to me or send them back to the Social Security Administration and they could issue it in my name. The bank will not do either. They have been holding my funds since XXXX. I have called and e-mailed and visited in person, dozens of times and nobody will help me. I am a XXXX year old widow and that was an entire month of income for me. I have been behind since then and I am desperate for help. I will soon be choosing between rent and medication. Please help me get what is rightfully mine. Chase will not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
payment was 30 day late in XXXX XXXX have had the card for 3 years and that was the only late dealing with start of covid 19 and postal service. call them to see if they could give a one time courtesy. but was informed i had to go through credit dispute proscess

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Saw an ad on XXXX, thinking XXXX is a legit law abiding website, i clicked on the ad which was for a gas powered remote controlled monster truck, not realizing the XXXX $ was to good to be true i ordered it, then right after i felt like i messed up so i started to do some research with the company to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
Come to find out this is a front or cover for multiple scam sites like the one i feel for, so immediately tried to email them which failed, couldnt cancle the item so a few days go by no email from the company i file a dispute with visa for a non recived item at the time, no tracking info, a week or so goes by and and item is at my door but it wasn't what was claimed on the site, so i immediately called visa to notify them i recived the item but it was falsely advertised, was told by visa representatives that everything was fine and no further actions were necessary, but they recharged me for it cause the scam merchant claim to have sent me something, which they did but was not as advertised. Now visa wont refund me my full amount and onlying going to give me part of whats owed, clearly when i called visa to notify them of the recived item they should've resubmitted my dispute and falsely advertised .i believe visa to be complacent in this falsely advertised bait and switch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-16 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All three provide useless telephone contact. To try and get into their reporting via any site they provide a lark, a joke a facade. They do not work. Frankly in my opinion by design!!!!!

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