vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Philip H. Monagan
State: CT

Complaint narrative:
I have called and emailed XXXX XXXX to remove a debt to XXXX XXXX XXXX that was paid and settled in Small Claims The action was withdrawn and released, but XXXX XXXX will not remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
I have called and emailed American Adjustment to remove a debt to XXXX XXXX XXXX that was paid and settled in Small Claims The action was withdrawn and released, but American Adjustment will not remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
I am social security number XXXX reporting fraud, theft and other crimes against my checking account with Chase Bank .... 
The withdrawal activities in my checking account are under criminals attacks against my financial funds with Chase Bank... 
Please investigate and refund my money back into my account. 
I will open another checking account with another bank. 
Thank you so much .... 
Also ... check in my XXXX accounts ... for theft and fraud and other crimes against me ... 
Thank you so much ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I used CareCredit for a dental procedure XX/XX/XXXX for a 12 mos same as cash offer. I calculated what amount would be needed to completely pay off the creditor before the promotion ended. 
I was going to get a XXXX from my XXXX XXXX  doctor but was concerned about the possibility of problems with paying for a new same as cash account while the other was still active. I called CareCredit and they informed me that the previous contract is always paid first and then the payments are applied to the second contract when the account is paid in full. I called them between XX/XX/XXXX and XX/XX/XXXX. 
I went ahead and had the elective XXXX in XXXX before the XXXX   contract was paid. I could have waited until the XXXX  procedure was paid in full but since CareCredit said they would pay my XXXX bill first, I had the XXXX. 
I got my bill after paying extra for a few months since my XXXX XXXX and the payment was being applied to the new contract making the old contract retain a high balance and only paying a few dollars on it. 
I called CareCredit customer service and they said they never told me that. I needed to call the XXXX doctor about the contract they put me under. I called the XXXX doctor 's office and they told me there is a min. payment due but they do not know the amount. I called CareCredit customer service again and asked for them to please listen to the recording of the representative between XXXX XXXX and XX/XX/XXXX. They said they didn't have any calls from me except my initial call on this complaint yesterday. They lied. I know I called because I wouldn't have done the procedure if it wouldn't have been as they had told me. They lied to get me to use their financing and then couldn't find the call when asked to verify. This is unfair for consumers. Please look into their practices so no one else is cheated and if they couldn't afford it would get all the back interest added to their account at the end of the term as they have tried to do with me. Most do not have the money upfront otherwise they wouldn't use this same as cash option.

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 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I've been working on a mortgage assistance application for several months with Ocwen, XXXX XXXX and PHH Mortgage I've submitted financial and requested documents several times since XX/XX/2019. The mortgage has been transferred from servicer to servicer. Customer Service always states the request is being processed when I call but the mortgage assistance request is never finalized. My request has been in processing with several Relationship Managers as well. I don't want another property foreclosure sale date set for my home. I want to keep my home. My employment has been affected by Covid - 19 also. PHH is difficult to work with and customer service is difficult. 
Please assist me with the finalization of my mortgage assistance request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: KY

Complaint narrative:
I previously filed a complaint regarding this matter and received a response from XXXX XXXX that included a COMPLETE FABRICATION. XXXX XXXX asserted that bills were sent to the address verified on my complaint in XX/XX/2020 with no response. That is a complete and bold faced lie. NO COMMUNICATION has been sent to my valid legal address of 7+years in KENTUCKY. I know this because you did not even have my address until I provided it on the complaint in XX/XX/2020, BECAUSE THIS IS NOT MY ACCOUNT, nor did I authorize the use of my personal information to establish it. I am happy to provide an electronic copy of an FTC report ; however, you are not legally permitted to cause me to incur the costs of printing and having the document notarized as IT IS THE RESULT OF IDENTITY THEFT. I will also provide a police report ; however, you should be ashamed of yourselves for requiring me to utilize our first responders time in such a wasteful way as they have much greater concerns to focus on at this time. I alsp have not recieved notice that you have placed a disputed by the consumer comment on my credit reports as a result of my WRITTEN dispute of this debt, another violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: FL

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I was notified by Convergent Outsourcing Inc. on XX/XX/2020 of an account that was allegedly owned by me from XXXX. I responded to convergent on XX/XX/2020 with a request for validation of the debt and I never received any verification from their company. I received a notice via email on XX/XX/2020 that the account was now on my credit report and it has caused my credit score to drop a considerable amount. My request was received and signed by XXXX XXXX on XX/XX/2020. I never received a response to my request and the company has illegally placed the account on my credit report. on XX/XX/2020 I spoke with two individuals that stated they did not have to respond to my request and that all they needed was my name and social security number to place the account on my credit report.On XX/XX/2020 I spoke with XXXX XXXX, and her supervisor XXXX XXXX and they were both rude and dismissive of my complaint. I was told by XXXX XXXX that I issued a cease and desist order and the order stated that " until they provided the requested documentation they should cease and desist all further attempts to collect the debt ''. I have received absolutely no correspondence from the company at all.

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 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was told at the Best Buy store that when I added a purchase to my Best Buy credit card by Citibank that any payments I make on the card with the 0 % interest rate for 24 months would be used come off of the original purchase first and then be used for any secondary purchase after that. I set it up so my payments were made automatically on my card every month and that so the original purchase would be paid off by the time I would have been charged any interest. Instead, the credit card company must have allocated my payments every month to my 2nd purchase, thus when the 24 month period had ended for my 1st purchase, they claimed I still had not paid it off and slapped me with an {$870.00} interest charge for the 1st purchase. I called and explained that I wanted this interest charge removed because it is a shady way of offering a 24 month interest free promotion. Very shady. If I would have not added any more purchases to the card, the first purchase would have been paid off. So, they punished me for making an additional purchase on the card while I was paying off the first purchase.

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 2020-05-28 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: FL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-28 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: NC

Complaint narrative:
I requested Equifax to update the XXXX XXXX account. The credit report agency ONLY changed the update online. On the paper credit file report XXXX ; there is no change. I will attached upload pics showing this.Please review ALL ; but specifically page 1 of 8, 3 of 8, and 4 of 8. Thank you. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: FL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
Since XXXX of XXXX my XXXX and I have been dealing with the idiots at Bayview Loan Servicing about becoming a successor of interest. In XX/XX/XXXX XXXX XXXX as a courtesy made my XXXX a successor. Bayview then hired an attorney and attached is his letter showing that I am an owner in the property which I have been claiming for months. As you can see from XXXX XXXX the XXXX at Bayview per her letter I have no interest however there own attorney disputes that finding. Close these XXXX down. Also the Consumer Finance Agency has in place laws to quickly determine successors and I do not believe that almost 20 months is quickly. Bayviews own attorney has proven our case Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: WA

Complaint narrative:
After filing first complaint. Received voicemail from Chase bank executive office stating that the bank sent out letter sometime around XX/XX/XXXXand did not receive response from me before the end of XX/XX/XXXX. So therefore my dispute became not valid and such. Not sure where exactly the mail sent out to and plus, Chase insists that I have received the package by just listening to merchant side of stories and carrier information that simply states that I have received the product. Did I mentioned it Chase online banking system only notified me with generic message stating there is update or saying they are working on my dispute, but never asked me to provide additional information and they disabled that feature from my online banking system simply because it seems like they don't want to deal with my issue. Does that sound fair to you? 

Purchased a product from online store and it was XXXX XXXX XXXX   and used Chase Marriott BONVoY credit card. Received package from the merchant. the inside seal was broken but not from the outside and some box inside package had a white substance in it. the package came with few other stuff, but XXXX XXXX was missing. Reached out to the merchant. No response or call, and reached out to Chase credit card service, they are just keep saying that this transaction is valid without considering going route with the customer protection against such a foul purchase. And Im getting charged for that transaction even though the XXXX XXXX was missing from that package. Reached out to Chase multiple times, I was not able to contact right people about the dispute and was not even able to make dispute process from online either as to it is keep saying that I need to contact # to reach out to them but they never respond or provide any answers. Provided document through fax, but still no phone call from the Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
XXXX I started the activation process, provided card #, SSN and Sec Code. Then, the automated service cut me off and transferred me to a call person. Wait 20 minutes, they called back, asked for my SSN, I was uncomfortable giving it out, he transferred me to automated service, there were two automatic messages going at the same time, so after about 10 minutes listening I hung up. Now, when I call back, after I enter all my data, it just says " unable to complete '' and hangs up. This is the same process for activation or to speak to a rep, so I am unable to speak to someone or get the card activated. It almost look like a scam.

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 2020-05-28 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: FL

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I moved from XXXX XXXX XXXX in XXXX of 2018. The apartments attempted to have me illegal XXXX after I already told them I would be moving out. Once I moved out the filed an XXXX   case against me. I attended the court hearing paid the balance that was owed and the case was dismissed. The amount that was owed was {$1300.00} not the {$4300.00} being reported to XXXX. Under the fair credit reporting act it is illegal for debt collection companies to report inaccurate debt to the credit bureaus. I have requested that this information be removed from my XXXX credit report several times and they continue to violate my rights under the fair credit reporting act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I recently filed for unemployment and when my deposit was sent to cashapp they froze my account. I need that money to pay bills and cashapp wont even allow me to access it. I spoke to cashapp and they said my account will be unfrozen but they never did. Without the access to this money I cant pay for my necessities

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
We have been approved by a new mortgage company at a lower interest rate. PHH Mortgage will not honor our request submitted by both us, XXXX XXXX XXXX, and XXXX XXXX, on XX/XX/2020. After multiple, daily phone calls and speaking with multiple representatives, it is clear that this company is stalling vs. just letting us out of this high interest mortgage. 

The final straw is their stipulation for a calculation of payoff quote, they must have an internal appraisal completed. We opened our home to their hired appraiser XX/XX/2020, but after multiple calls and queries, they say, " we can't find her photos. '' The first couple of calls reported " She sent photos in black and white '' Also, we have been unable to get into our established online account to see documentation and payments, etc ... We have been shut out since we made first payoff request. 

Finally, each monthly payment we make is 99 % interest, so far we've made 3 payments AFTER the initial payoff request. ( 3rd -  XX/XX/XXXX coming up ) PLEASE help us get out of this horrible company and start paying on principle. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Troy Capital, LLC
State: TX

Complaint narrative:
With the continuation of aggressive phone calls from XXXX XXXX XXXX, customer service reps falsely implied that they were a law firm working for attorneys, along with using scare tactics to retain debt. Continuing with depletion of credit and creditworthiness, a notice of a judgment for a balance. Several months later, I received a notice that judgment was placed against me for the balance 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
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is attempting to collect from an account that is assumed owed by me. i have asked Portfolio Recovery to send me documentation that bears my signature that shows i have a binding agreement with such said account. Portfolio Recovery has sent a billing statement rather than a contract that shows a binding agreement as i have asked for. anyone can print out a billing staement, but a actual contract that shows a binding agreement and with a signature is different as it shows a contractual obligation and verifies the account. i believe that they are attempting to collect on account that they can not prove that legally belongs to me.

Company response to consumer: Closed with explanation