vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
The XXXX XXXX XXXX has reached out to Amegy Bank on several dates going back several years to rsolve the banks continuing practices of illegal discrimination and modern day redlining - all to no avail. 

Amegy Bank remains in denial and refuses to meet to resolve the outstanding Illegal Discrimination Claims - outlined in the Complaint.

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 2019-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX too many recent auto account delinquencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2019-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a XXXX dollar Chase Total Checking account on XX/XX/2018 from XXXX XXXX XXXX. Somehow my account escalated to a XXXX dollar prepaid account. I figured this was interest I earned from including Chase in my XXXX dollar XXXX account. However this money was used to make unauthorized buys and sells on my XXXX app called Chase Total Checking XXXX which in my opinion lessened the values of my XXXX considerably. After all, I started off making a fortune. Chase 's wi-fi got into my XXXX and possibly altered its configuration. In my XXXX XXXX XXXX  app it said that Chase would hold daily 10s of thousands of dollars payoffs to be held for 9 days and then paid to my account ending in XXXX. These payments never happened. Chase of XXXX XXXX, Texas informed me that my account was blocked due to insufficient funds and sent my gold to XXXX XXXX XXXX XXXX XXXX, New Jersey. I have the tracking numbers and account numbers of all of these transactions if you need them. I also have a print out of coin amounts, Merchant and Coin ID numbers. These coins are very valuable to me and I want them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
This company called me three times successively in less than 5 minutes, from XXXX, they hung up on me the first two times. 
Company identified themselves as Phoenix Financial Services and said I owed money that I do not believe I do. I told the person on the phone that the only medical debt I can think fo had been handled by my attorney XXXX XXXX. He told me that he is not responsible to contact my attorney and that it's my credit that is being damaged. I asked if he was threatening to damage my credit? He said it's not a threat if does harm my crdsit. He told me if I ever want to fix my credit I have to call him. I told him not to call my cell phone any more and he said it's my fault because I gave it out to someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Re : New loan company Loancare changed loan amount Original loan was with XXXX went bankrupt, and the mortgage note was transferred to Loancare LLC in XXXX Pennsylvania ( XXXX. XXXX XXXX XXXX, PA XXXX ). 
The first direct debit of mortgage payment was for the correct amount of {$460.00}, the second payment was increase to {$990.00}. We notified the mortgage company that we pay our own property tax and homeowners insurance and requested that they make the correction. No correction has been made as yet, and it is very difficult to contact customer service by phone to resolve the matter. A certified letter was sent to the company XX/XX/2019 regarding the issue and we still have not gotten the issue resolved. 
The matter is in regards to property at XXXX XXXX XXXX, XXXX, NJ XXXX on the loan with Loancare LLC. 
Please advise. 

Best regards, XXXX XXXX & XXXX XXXX   XXXX Cell : 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 2019-05-10 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
On XX/XX/19, I received a credit card from First Citizens Bank with a Credit Limit of {$15000.00} that I never filled out an application for, submitted a SSN for the card, sign my name to an application for a card, and never asked First Citizens for a credit card for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to get a hold of equifax for my credit score and they told me they can not pull my reportbat this time because my social does not match

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I called in XXXX and requested that I be able to move my credit limit from two of my citi accounts ending in XXXX and XXXX to my XXXX   card XXXX. When I spoke with this person in the other department I was informed that I could not move the credit lines from the two other accounts and to call back and try again after the statement cut said okay and hung up. I WENT ONLINE TODAY AND DAY THAT THIS AGENT CLOSED MY ACCOUNTS WITH OUT MY AUTHORIZATION. 

I AT NO TIME SAID YES GO AHEAD AND CLOSE MY ACCOUNTS I WAS NEVER READ A DISCLOSURE I HAVE THE ENTIRE RECORDING MYSELF I SUGGEST THAT YOU GO PULL IT!

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 2019-05-10 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: PA

Complaint narrative:
I called Equifax and they refuse to erase unauthorized inquiries on my account. The representative refused to help me with this issue. The inquiries that were not authorized were XXXX XXXX inquiry date is XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry date is XX/XX/XXXX XXXX XXXX/XXXX inquiry date is XX/XX/XXXX XXXX  XXXX/XXXX  XXXX inquiry date is XX/XX/XXXX XXXX  XXXX   inquiry date is XX/XX/XXXX XXXX XXXX inquiry date is XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX date is XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: OR

Complaint narrative:
XXXX I requested my hard copy.It looks the same as the one I can check online through XXXX no score only personal information, general inquiries, on the back of the one page report it says I am to purchase my score their services are {$30.00} approximately a month.According to XXXX and past hard copy my score has not changed in over a year.I have exhausted calling, filing complaints, filed recently with the XXXX XXXX XXXX have been denied repeatedly and not given any information as to why my score has not changed.I recently opened an account that reports to the credit agencies.It shows up the account is reporting.my XXXX score has went up alot in the last 6 months.XXXX no change.i was a victim of the Experian XXXX hack over 3 years ago and it froze my credit.every since then I have been repairing that damage.I have been hung up on, denied any information and told they do have to supply me that information unless I pay for it.

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 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
Cavalry Portfolio Services has been reporting a collection debt to both XXXX   and XXXX since XX/XX/XXXX. This is supposedly for a XXXX XXXX credit card account that was included in a bankruptcy I filed back in XXXX making the debt no longer owed. I contacted Calvary Portfolio Services on XX/XX/XXXX and was told they could not release any information to me about the account. I called again on XX/XX/XXXX and was told the same thing. They are violating my rights under the FCRA and refusing to supply me with any information validating their claim or proving this debt is valid. Their reporting is harming me financially and after repeated attempts to resolve with them I have gotten no where. I have new current credit lines with XXXX XXXX and this makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
1. At the beginning of XX/XX/2019 American Express cancelled both of my accounts I had with them while I was having medical issues after being less than 45 days late. At the time I was notified I called immediately and was told that the accounts had been closed 3 days prior to me having received notice in the mail. I believe american express timed the delivery of my notification in an effort to subvert my ability to make a timely payment so that they prematurely close my account. 

2. After seeing that the account was closed I began making regular payments to buy time until I could pay off the balance in full. On XX/XX/2019 I paid off both of my accounts in full through their online portal and showed a XXXX balance on both of them. today XX/XX/2019 I began receiving collections calls at XXXX XXXX and as of the time of this complaint I have received 4 calls informing me that I have a balance on my american express accounts in the amounts of approximately {$13.00} and {$37.00} respectively. After learning this I immediately call american express to find out how I had a balance in collections for two accounts that had been paid in full only 11 days ago. I was told that the balance was interest that had accused after my final payment. I then asked how I was supposed to know that they had added interest to an account that from my perspective had been closed and paid in full if they had not given me notice. I was told that they had mailed me 4 separate pieces of mail attempting to collect the debt. I find this very hard to believe given the very short time frame from when I paid in full to when I began receiving collections calls. 11 days seems to be a very unreasonable amount of time for someone to be sent to collections. I was made to feel as though I was attempting to not pay off the account. On XXXX XXXX I paid off nearly {$4000.00} between the two accounts and I would submit that given the amounts and my attempt to fix the damage that this has done to my credit it does not make sense that I would have avoided only {$50.00} of Nearly {$4000.00} debt. I find these practices despicable and I believe they are motivated by discrimination based on the fact that one of my accounts is an american express optima account. The Optima account was an account that american express was forced to create and offer to consumer who where included in a legal settlement that was reached following a suit filed for similar unfair practices by american express. It is my belief that american express wanted nothing more that any excuse to be able to cancel the accounts of Optima card holders and found my short lapse during my illness to take advantage of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX XXXX states that they dropped ALL my retail credit card available credit to 95 % utilization because XXXX  shows a credit score of XXXX. I contacted XXXX and according to them they do not run and submit  credit scores to companies without approval from the client. Two. I receive monthly updates from all 3 credit bureaus and I HAVE never had this credit  score. I have called XXXX and they refer me to XXXX. Very interesting tactics. So where do they get credit scores, XXXX, not likely? XXXX XXXX   maybe, and you do realize that XXXX XXXX scores were compromised a few months back. No response from XXXX. No response at all. Nothing. Absolute garbage. This looks like we may have a repetitive pattern from XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Attention Complaint Department XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
XXXX, Ohio XXXX XXXX XXXX Loan # XXXX address of property : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Supporting Documentation is provided : DISPUTE : Nationstar/Mr. Cooper : Not disclosing accurate ( facts ) pertaining to ( my ) Mortgage Payoff ( to ) XXXX, XXXX etc. 

1. My attorney and his recommended Title Company closed on my house on XX/XX/XXXX It WAS NOT a : XXXX   # ( J. ) VOLUNTARY SURRENDER! As declared/ ( misrepresented ) by Nationstar/Mr. Cooper ( to ) XXXX, XXXX etc. 

2. OHIO LAW ALLOWS MY RIGHT TO SELL MY HOUSE I chose to sell my home IT WAS NEVER a XXXX  # ( K. ) REPOSSED. As declared/ ( misrepresented ) by Nationstar/Mr. Cooper ( to ) XXXX, XXXX etc.

3. The Payoff ( to ) the Mortgage Co. was {$180000.00} resulting from THEIR itemized List of added expenses! ( NOT ) only the principle amount of {$160000.00} but a PAYOFF TOTAL {$180000.00} ... Therefore it WAS NEVER XXXX # ( L. ) a Charge Off. ( misrepresented ) by Nationstar/Mr. Cooper : ( to ) XXXX, XXXX   etc.

4. Obstructing my ability to become current by NOT allowing me to make payments from XX/XX/XXXX to XX/XX/XXXX during their foreclosure filing.

That period of Not Accepting payments Needs to be WORDED by Nationstar/Mr. Cooper ( to ) XXXX, XXXX etc.

The Mortgage Company : Nationstar / Mr. Cooper XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone XXXX Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Today, XX/XX/2019, I was scammed of {$150.00} through XXXX. I tried to buy concert tickets and the person wanted payment through XXXX. I did not think anything bad of it, especially because I have sold tickets the same way. Her name is XXXX XXXX. Phone number XXXX ( XXXX ) XXXX-XXXX  and email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA

Complaint narrative:
Hello CFPB, On XX/XX/2019 I received a mail from collection agency Retrieval-Masters Creditors Bureau , Inc. dated XX/XX/2019 notifying me that I owe {$24.00} to XXXX XXXX XXXX and I should send a check payable to XXXX XXXX. On XX/XX/XXXX ( a day after ) I received another letter dated XX/XX/2019 notifying me that they contacted me Several weeks ago and that I have neither paid the account nor contacted us to dispute the debt. Therefore, we must assume the debt is valid asking me to pay {$24.00} this time. 
I responded to them on XX/XX/XXXX saying that : " I do not have any responsibility for the debt youre trying to collect. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. I have never ordered anything from that company. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. '' Yesterday on XX/XX/XXXX, I received another letter from Retrieval-Masters Creditors Bureau , Inc. dated XX/XX/2019 asking me again to send a check payable to XXXX XXXX XXXX. I believe that this is a harassment and it is against The Fair Debt Collection Practices Act ( FDCPA ). 

Best Regards, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Usaa came by my home to audit a renters insurance claim and never read the police report but came in my home Deny everything I stated in the report with no proof whatsoever in an attempt to deny me due process. They claimed my window could not open and silly things like that. The person ( XXXX ) came in and then asked me for my cell phone text transcripts when it was not required to process my claim whatsoever. They have receipts, a police report, photos and instagram video footage of everything I claimed. They were more concerned about the items I did not claim which made it look like they were trying to build something on purpose discriminately. I want my claim to be treated with respect and to recover the items I reported and not be harassed for reporting it. He also lied on management and on the detectives and on my roomate in an effort trying to profile me and deny me my claim.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: Westlake Services, LLC
State: FL

Complaint narrative:
On about XX/XX/2019, I realized that my credit report was showing for the month of XX/XX/XXXX on the Westlake fiancial service account as a 60 days delinquent account when the account is already closed and paid by the dealer by request of the compliance dealership department. The person who worked this case was XXXX. I asked her if I had to make any payment in order to not damage my credit. She told me that it was not going to damage my credit. Westlake notified incorrectly the month of XX/XX/XXXX damaging my credit with a serious delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/2018, I contacted XXXX in regard to my student loans they service. My complaint was that the amounts that I am being billed for are not the amounts that were sent to the University I attended. The amounts that I am being billed for are higher than the amounts that I borrowed. Because the amounts are higher, I am paying more interest on these incorrect amounts. I mailed XXXX a certified letter to look into this problem and correct the inaccuracies. I received a letter back explaining how XXXX calculates interest. They also sent a copy of my promissory note. They did not research or correct my complaint. I then sent three more certified letters XX/XX/, XX/XX/, andXX/XX/XXXX asking for them to research and correct the errors. Again, each time they responded with a letter explaining how the interest is calculated. I have attached a ledger from each institution I attended and how much my student loan was for. I have also attached the ledger of what XXXX is billing me for. On each disbursement that XXXX is billing me for, the amount is more than what was borrowed. I have also attached the certified tracking numbers from the United States Postal Service showing where XXXX received my correspondence. XXXX also is billing me different fees that I never agreed upon paying. I requested the contract that indicated I would be responsible for these fees and XXXX has yet to provide the contract and the notification that these fees would be charged. Another issue that I have with Navient is that they have no record of my loan history from XX/XX/XXXX-XX/XX/XXXX but I am being billed for these years. XXXX has violated both the Fair Credit Reporting Act by reporting inaccurate information to the three credit bureaus ; they have also violated the Fair Debt Collection Practices Act by seeking collection of an unjustified amount and by not providing validation of the debt in the amounts they claim is owed.

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