vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XXXX, both a checking and savings account were closed at Ally Bank. According to the agent spoken over the phone to on XXXX, 2 separate checks were to be issued, one in the amount of {$8000.00} [ Savings ], another for {$61.00} [ Checking ]. A representative in charge of closing the account contacted me on XXXX and stated the accounts were officially closed and two checks were processed and sent out on said date. They implied that it would take from 5-10 business days to receive the checks. A few days later I went online to check the status of the checks since a virtual copy of the checks was made available online for record keeping. I noticed the statements had the correct mailing address on them, except the city was incorrect [ made out to XXXX, but it should have been XXXX ]. I called an agent to resolve the issue, they did notice the city was incorrect and stated that nothing could be done at the moment since the checks were sent out. They made a note on the account about it and advised me to call back a week later and check with them to see if the checks were sent back due to being undeliverable. I called as advised, spoke with an agent about the matter, but now the online statements for the checks made out on XXXX with the wrong city have mysteriously disappeared online and replaced with checks made out on XXXX with the correct city. The agent said that the checks were sent to the right address, but acknowledged that the city was wrong, yet again, but did not want to get into the old statements dated from XXXX mysteriously disappearing and being replaced. Now they have asked me to fill out some forms for lost checks and have them notarized. I have to pay for notarization on behalf of Ally Bank for a mistake they committed for not being diligent enough to set up the address with the correct city. This entire ordeal will cost me approximately {$25.00} to have all this paperwork notarized and sent out. It is not fair for me to have to pay for a mistake Ally Bank made. They should be held accountable and reissue the checks. Now, something that should have taken 5-10 business days to complete is now close to a month. This is completely unacceptable. I am sensing very shady business practices with this entire ordeal. Statements disappearing makes me raise an eyebrow. They are covering their tracks and making customers pay for mistakes they have done. They were fast to take my money when I opened the account, but now they are taking their time returning it to me. They are making me jumps through hoops and all sorts of nonsense. 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 non-monetary relief
Consumer complaint received 2019-03-13 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: PNC Bank N.A.
State: FL

Complaint narrative:
My former wife acquired a property in XXXX. I was never on the deed to the property and never lived there. She obtained at least two home equity lines of credit and one mortgage while she owned the house. I was not listed on any of the notes. Since Illinois has homestead laws, I signed a release that I will have no ownership interest in the property and that it will not be a marital asset. The name shown on the notes was " ( her ), married to ( me ) ''. She alone signed the notes, and I only ever signed the homestead release. The loans were originated with XXXX in XXXX, XXXX, and XXXX. In XXXX, XXXX was acquired by XXXX XXXX, and in XXXX, XXXX XXXX was acquired by PNC. In XXXX, PNC filed a Lis Pendens against BOTH of us. I am now trying to get a mortgage myself, and I only became aware of this when my credit was pulled and my mortgage company told me I had THREE mortgage collections with PNC Bank and a recently closed mortgage with multiple late payments. By searching public records, I found out that PNC sold one of these debts to XXXX XXXX XXXX XXXX in XXXX of XXXX. On the Assignment of Mortgage that is public record, it still lists the borrower as ( former wife ), married to ( me ). I never had any association with this property, and I was never obligated on any of these mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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 — Card was charged for something you did not purchase with the card
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I was a victim of fraud, someone used my credit card in the state of Texas, while I worked in the state of Florida, I reported the fraud and the bank does not want to recognize me. the bank wants me to contact each store where my card was fraudulently used. When I have Fraud protection liability. 
My case # XXXX Card number ending : XXXX XXXX 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 monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
RASH CURTIS & ASSOCIATES is reporting a ridiculous amount of 11 collections on my credit report that do NOT belong to me in first place. I was never a patient of Original creditor XXXX XXXX XXXX XXXX- whom I contacted and they had nothing available to provide me to prove the ownership or to validate this account. I attempted numverous times to speak to someone in person at Rush and Curtis only to be told that I need to write them a letter. Today after a total of 5 letters 3 months in I have NOT heard anything back from them. I disputed these 11 collections with credit bureaus but they sent me letters stating that rash and Curtis has validated these accounts ... how ... when I was never a patient at verity medical foundation how are they validating .THIS IS FRAUD .... today I was given a message from my receptionist that rash and Curtis called asking for a payment they pretended that I advised them to call my work and have my accountant to pay these over the phone. THIS IS FRAUD ON A TOTALLY DIFFERENT LEVEL WHY WHY ARE THEY GETTING AWAY WITH THIS. I RECORDED A CALL AND WILL BE SENDING THIS TO FTC AND OTHER OTHORITIES IF THESE ERRONEOUS COLLECTIONS ARE NOT REMOVED FROM MY CREDIT REPORT IMMEDIATELY ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
to whom it may concern, I filed a complaint three weeks ago against Chase Mortgage because I couldn't refinance my house and use the HARP program because I was told that chase use the HARP program a XX/XX/2015 they wrote me back tell me they did nothing with my loan in XX/XX/2015 I research this further I went to XXXX County here in Colorado the county that I reside in and found out that in XX/XX/2015 they sent information to the county on selling my loan which I was never notified of I was never told about and it was so to WaMu so I'm guessing that somewhere along the line they use the HARP program here to do something anyway the XXXX program doesn't go into the county records but the fact of the matter is they lied to you and they lie to me said they did nothing with my loan in XX/XX/2015 and it is registered in the government State Office of recording that they did do something with my loan I want to know what they did and why I wasn't told about it. I was told i could not use the harp program from another bank because it was used in XX/XX/2015 by chase but they say they did nothing which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern,XX/XX/2019 I woke up to an email that a new XXXX XXXX account had been opened up under my name Come the days to follow I began receiving numerous notifications from the credit bureaus of more fraudulent hard credit pulls. 

Ive also been unable to sign into my XXXX account online. XXXX emailed me on XX/XX/XXXX about an email address change on my account and to contact them if it wasnt me. Ive tried contacting XXXX and still havent received a response. I dont know why I didnt have to verify the change first because now Im still here locked out of my account. 

To date, here are the actions Ive taken so far ... 
I called XXXX XXXX  about the opened bank account immediately after I found out. They informed me they had done their part to make sure the bank account would be closed and no further accounts would be opened with my information. 

I then made sure to call and place a credit freeze as well as a fraud alert with all three credit bureaus. 

After finding more credit inquires, I called XXXX as well as Citibank to make a report. Both companies assured me that no credit cards or accounts will be opened in my name. 

I received a letter in the mail from CitiBank that mentioned they were unable to verify the accuracy of the credit information on my account, therefore not proceeding forward with the application. That letter will be attached. 

I took it to sign up with XXXX XXXX XXXX as a precaution for any further actions that may arise. Ill attach a screen shot as well from my XXXX XXXX account showing the reported credit inquiry information. 


List of hard inquiries pulled : XXXX - XXXX ( XXXX XXXX  ) - XXXX ( XXXX XXXX  ) - XXXX  ( XXXX XXXX   ) XXXX - Cbna ( Citi Bank Credit Card ) XXXX - XXXX XXXX  Credit Card - XXXX   BANK ACCOUNTS - XXXX XXXX Account - XXXX XXXX  Account Reserve Credit Line Request Thank you and I appreciate in efforts in helping me through this process.

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 non-monetary relief
Consumer complaint received 2019-03-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I originally reached out to the creditor to have them correct the inaccurate information and they advised I NEEDED to file a complaint with each credit bureau. 
Last year I filed a complaint with each of the respective credit bureau ( Experian, XXXX XXXX and XXXX   ) in XX/XX/XXXX to notify them, they were reporting inaccurate information on one of my credit accounts. I sent each credit bureau a signed and notarized document stating the inaccuracies via certified mail with tracking number XXXX. I received confirmation that each credit bureau received each dispute packet on XX/XX/XXXX. I know my rights as a consumer and after thoroughly reading the 108 pages of the Fair Credit Reporting Act, I know each credit bureau has 30 days to investigate and correct the disputed information and/or notify me with the results of their investigations within 5 days of completion. However, when I went to look at my credit reports today ( XX/XX/XXXX ) with my credit monitoring account through Identity IQ, there are no changes with the disputed account and the inaccuracy within it. I never received any results of the investigations with ANY of the three credit bureaus. I am filing a complaint with the Consumer Financial Protection Bureau to help me with this ongoing issue.

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 2019-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is regarding account XXXX XXXX, which you claim I opened a credit account on XX/XX/2013 for {$500.00}. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: SC

Complaint narrative:
I received a check from XXXX XXXX XXXX dated XXXX 2018 as a refund for an overpaid medical bill. Check number : XXXX for XXXX was issued in my name. I cashed the check at a local convenience store and about a week later the owner contacted me and indicated the check had been returned. I contacted XXXX XXXX XXXX to determine the issue with the check and was advised that the check was valid and should have gone through. Well, it did not and I was told by XXXX XXXX XXXX to give it some time and have the owner try to deposit the check again. He did and again it came back returned. After weeks of going back and forth with XXXX XXXX XXXX and the owner, I have finally reached my limits. I later learned from XXXX XXXX XXXX  that they put a stopped payment on the check but was never told why. XXXX XXXX XXXX did confirm that the funds were good and that I should have been able to cash the check but that I should have cashed the check at a XXXX XXXX XXXX branch. I ended up having to pay the owner of the convenience store out of my own pocket to cover the check and have yet to be reimbursed for the XXXX by XXXX XXXX XXXX. I was told by a XXXX XXXX XXXX rep that I needed to write a letter stating what happened and send to their office to be reimbursed. At this point, I have lost all faith in XXXX XXXX XXXX and just want the XXXX refunded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I originally reached out to the creditor to have them correct the inaccurate information and they advised I NEEDED to file a complaint with each credit bureau. Last year I filed a complaint with each of the respective credit bureau ( XXXX, XXXX XXXX and Equifax ) in XX/XX/XXXX to notify them, they were reporting inaccurate information on one of my credit accounts. I sent each credit bureau a signed and notarized document stating the inaccuracies via certified mail with tracking number XXXX. I received confirmation that each credit bureau received each dispute packet on XX/XX/XXXX. I know my rights as a consumer and after thoroughly reading the 108 pages of the Fair Credit Reporting Act, I know each credit bureau has 30 days to investigate and correct the disputed information and/or notify me with the results of their investigations within 5 days of completion. However, when I went to look at my credit reports today ( XX/XX/XXXX ) with my credit monitoring account through XXXX XXXX, there are no changes with the disputed account and the inaccuracy within it. I never received any results of the investigations with ANY of the three credit bureaus. I am filing a complaint with the Consumer Financial Protection Bureau to help me with this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I settle the account with them. I paid and amount that was agree. On my credit report still shows like I owe the whole amount and that I didnt pay anything

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 2019-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Total Card, Inc.
State: TX

Complaint narrative:
On XXXX XXXX XXXX Total Card Inc. XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX mailed me a collection notice, stating if I pay {$360.00} my debt would be resolved with XXXX XXXX XXXX. On XXXX XXXX XXXX I mailed in a payment for {$360.00} with the payment envelope provided. On XXXX XXXX XXXX instead of processing the payment per the written contract they provided and submitted payment for they reported this card that I haven't had since XX/XX/XXXX with a balance of {$300.00} as 180 days late to all 3 credit bureaus with a balance of {$900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is regarding account XXXX XXXX XXXX, which you claim I opened a credit account on XX/XX/2018 for {$350.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare LN XXXX XXXX XXXX XXXX, XXXX HI XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX On XX/XX/19 I spoke with rep XXXX XXXX. She was obviously either drunk, is mentally unsuited for her position at LoanCare, or is mentally handicapped. She lacks the cognitive ability to listen and respond to simple questions. Additionally, I had to repeat my last name with spellings to her over 7 times. In the end she claims she still could not understand my last name, even though it is one of the most common last names in the United States. She therefore refused to send a message to the processor asking them to call us back. 

XXXX XXXX has neither the knowledge, training, nor mental capacity to do her job. Most of my conversations with LoanCare employees have been similar. It is clear that LoanCare does not have the capacity to appropriately service their loans, they do not train their staff appropriately, and they do not provide a work environment suitable to fulfill their servicing obligations - their staff regularly complain they can not hear who they are talking to because their environment is loud and echoes. I want LoanCare fined the maximum of $ XXXX for gross incompetence and purposeful neglect of their servicing obligations. 

Then, when I got a call back from the assigned processor she sent me a copy of what was sent to the borrower. See attached Mail from LoanCare. Is this REALLY the kind of mail they send out???? Not only is it completely unprofessional, but they are asking for documents that we have not only already sent to them multiple times, and also documents that are ABSOLUTELY NOT RELEVANT TO A SETTLEMENT AGREEMENT. It was made very clear multiple times in every conversation I had with LoanCare that the homeowner wants to do a SETTLEMENT not a short sale, not a sale, and not a loan modification. 

I want LoanCare fined the maximum of $ XXXX due to gross incompetence. I want a response to the settlement offer submitted by the borrower. I want the stupidity and excuses to stop.

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