vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied for a business credit card on XX/XX/XXXX and called in onXXXX apparently there was an issue with my social security number. The first woman was XXXX and I Was told that I was denied for reasons such as,1 chase card balances grew too fast compared to limit/time on file ( amount was XXXX out of a XXXX limit ) 2 too many active/too much available credit ( I had a new credit cards opened XXXX XXXX XX/XX/XXXX and chase XX/XX/XXXX a XXXX in XX/XX/XXXX and a XXXX XXXX in XX/XX/XXXX ) 3 business too new ( 2 months ) 4 too many recent requests for credit or reviews of my credit ( only three in 5 months one for a car and two for the credit cards ) I was told that paying down the credit on my chase card would help in a reconsideration and payed down about XXXX out of the XXXX. Was still denied a second time. With more reasons some which were different. for the recon reasons 1 too many accts with balances ( I use my credit cards for everyday spending so 2 XXXX XXXX cards with balances of XXXX and XXXX XXXX with XXXX out of XXXX limit XXXX XXXX XXXX out of XXXX but has 0 apr and the chase with XXXX. 2 business too new ( two months ) 3 insufficient business revenue ( XXXX in two months more than a lot of ppl make in two months in ADDITION to what I make from a whole full time job AND a part time job ). When I called back for the recon the underwriter I SPOKE to said she would recommend an approval but it has to go to a second review after her this woman was XXXX. That is the one that was denied. It seems very odd that any of the XXXX ppl I spoke to or reviewed my application were uncomfortable lending giving me a business credit card but the only XXXX underwriter I spoke to wouldve approved my application. Underwriting is so XXXX and subjective its ridiculous. My first chase application was only approved after I spoke with someone who ALSO happened to be a Person of XXXX. It seems that chase is unwilling to give people of XXXX with small and budding businesses credit unless the underwriter themselves are also of XXXX. Very discriminating organization. Beware.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Over the last two years I have had egregious debit card fraud through Citizen 's Bank. I have tried to report it numerous times over the past 2 years, I would call in to customer service, 'file ' a complaint, and then call back to be advised the claim was never filed. I went into the XXXX branch of Citizens in XXXX numerous times to try and file it, in which they told me they were understaffed and could not help me and they are now saying that I claimed I didn't have time, when reporting it was the main reason for my being in the branch! 

On XX/XX/XXXX, I finally had a claim submitted for SOME of the fraud. Transactions from XXXX and XXXX totaling XXXX dollars. On the 8th day of the investigation, they refunded me only partially for the claim, only paying the first two months of the fraud, even though the entire claim was deemed fraudulent. 

I want the other half of MY MONEY that I trusted to deposit into this bank, in which they will not refund me for unauthorized transactions. Transactions I tried to resolve for TWO YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax not letting me login b/c of thier breach has caused harm to me and family XXXX  i cant get loggin in account b/c of mixed file XXXX need to send credit report also equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: AE

Complaint narrative:
Wells Fargo Dealer Services : They've charged off my account, but haven't given any information on what to do next. I called each month in 2017 asking where to pay my balance and was told the company charged my account off and they couldn't take payment to settle the amount shown as owed. It still shows as a balance due and I don't have the title. I've not been given options to satisfy the account.

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 2019-06-03 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: CA

Complaint narrative:
Transunion is reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
On XX/XX/2019 Roundpoint Mortgage took my {$820.00} mortgage payment out of my checking account ( recurring payment agreement ). On XX/XX/2019 Roundpoint AGAIN took the {$820.00} payment out of my checking account. 

I called on XX/XX/XXXX ( when I checked my bank account and saw what happened ) and asked for them to refund that extra payment ; the customer service person said they would issue a paper check and it would take a few weeks. I also sent an email that same day ( as directed ) BUT THEY NEVER RESPONDED! 

Two weeks later, I called customer service again and was told a check was issued and should arrive in 'a week or so '. 

On XX/XX/XXXX, after still no refund, I called customer service again and was told they would look into it. I requested a supervisor and was connected to " XXXX ''. He researched and said the payment was being applied to XXXX! 

No refund was ever issued or received - despite their claims. 

Why would a double payment in XXXX be applied to XXXX, and why did they lie about sending a refund?

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 2019-06-03 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: The Outsource Group, Inc
State: VA

Complaint narrative:
The problem is that the company has reported these medical bills to the credit bureaus, which I thought was illegal at one time. IF their action is still illegal, then I would like the negative account/remarks removed from my credit reports ( XXXX, XXXX, and XXXX ). If not illegal, then ok. I have already called them and made a payment arrangement with them ; however, as before stated, I am questioning the legality of the reporting of the matter to the credit bureaus, with the result that this is showing up on my credit reports as a negative account and is adversely affecting my credit scores. I would like this matter to be resolved. Please advise, and thanks.

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 2019-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with CAPITAL ACCOUNTS LLC. I have never done business with this company. I am not liable for collection from this debt from CAPITAL ACCOUNTS LLC. I am not responsible for this debt with CAPITAL ACCOUNTS LLC. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX pulled my credit twice with in a 60 day period with out my authorization. I have not had business with XXXX for a while. 
They pulled credit on XX/XX/XXXX and XX/XX/XXXX. 

Its reporting to Equifax. I called to dispute on XX/XX/XXXX and they said it stays on for 2 years and they cant do nothing about it. I advised that this is inaccurate to my report and should of never been there in the first place. Since I no longer deal with them since XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
I spoke to XXXX and XXXX of XXXX in XXXX on Monday XX/XX/19 I updated them that I have heard back from cash app customer service via the email and square up Inc there's a corporate company via email and I'm in contact with them to try to resolve this fraudulent cash app  usage cash app account and cash app transactions with this I am working like I said with XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX in XXXX Wisconsin and some colleagues of theirs at the XXXX convenience store in XXXX Wisconsin at XXXX convenience this investigation will go until further updates are provided I will provide them once they are ready.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
We received a letter, dated XX/XX/2019, from Mr. Cooper stating they received and paid a new insurance policy, from XXXX XXXX, for our home owner 's insurance. We have home owner 's insurance covered by XXXX XXXX, which isn't due until XX/XX/2019. We were advised to call XXXX to make sure the policy was cancelled and request the refund be returned to Mr. Cooper. Since we had not changed our home owner 's insurance carrier, my husband called Mr. Cooper and inquired about the payment of {$420.00} that was withdrawn from our escrow account. He was provided with the Policy #, and name of a neighbor, in our same condo complex, that the check was issued for. This neighbor has same last name as us, and is in 2 units down, from us. My husband explained, that was not an invoice for our home owner 's insurance, and we did not change coverage. Explaining they had withdrawn money from our escrow account, in error, and we are requesting it be replaced. He was advised he would have to contact XXXX about the confusion, because the check had already cleared. My husband was back and forth with Mr. Cooper and XXXX, for over 3 hours. he was placed on hold for 30 minutes, at a time with Mr. Cooper, and was again told that Mr. Cooper could not solve the issue, it would have to be solved by XXXX. We feel strongly that Mr. Cooper should be held accountable for withdrawing money from our escrow, for a bill that did not reflect our name or address, and re-deposit the funds, that were withdrawn. It is impossible to speak with anyone of authority at Mr. Cooper. I therefore, wish to submit this complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Tuition for my son 's school is to be paid via an invoice, however the tuition was debit via an ACH. The school was unable to stop the payment so I called the online support team for Citizens Bank and asked if they would be able to return the ACH since it was the same day & they said no. I then went to my local branch and the Assistant Manager briefly listened to what was going on and suggested I go to the branch where I opened my account for them to help me. He then accepted a phone call mid conversation and ended the interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is are several accounts reporting with the bureaus that are actually past the statue of limitations. They have been disputed several times as well as validation requested directly from the companies. The companies that did respond only sent a generic letter when actual validation as well as a payment history was requested! XXXX, TransUnion and XXXX are still reporting aged, unverifiable information. If the companies won't give me information when requested directly then they aren't giving the bureaus information either and that is because they are old accounts!

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 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
I sent the Validation to this company on XX/XX/XXXX. At the same time I sent dispute to XXXX, XXXX and XXXX disputing this account. 


ON XX/XX/XXXX I received the results of investigation from XXXX, XXXX and XXXX staying the account was validate from your company. 
As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. 

On XX/XX/XXXX I received your debt validation responses. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

This Company violated the FCRA because Once you dispute the debt, the debt collector must stop all debt collection activities until it provides you with proof that you actually owe the debt. Witch in my case, they didn't stop collection activity and validated this account with the credit bureau before provide me with proof that I actually owe the debt As I am sure you are well aware, under FDCPA Section 809 ( b ),  you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

Also, This company Violated the FDCPA because I never received from this company, " RIGHT TO NOTICE OF DEBT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: KY

Complaint narrative:
I have reached out to XXXX and experian about this issue 4 times now. 

US Dept of Vets is reporting incorrect information on my credit report. I have asked the credit bureaus 4 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect : No of Months ( terms ) - there was never an agreement! 

High Credit - This was not a loan! I never borrowed money from them. They OVERPAID me. then sent me to collections, even after they received their money back! 

Payment status - this is not a collection/chargeoff! 

Date Last Active I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
I contacted this firm in XXXX for a printout on what i owed. They sent me the printout on XX/XX/2019. I made a payment of the entire balance owed according to the printout. I was told that they would be sending me a letter saying the account was satisfied in the mail. I call The Firm after two weeks of not receiving the letter I asked why I wasn't receiving this letter yet and the response to the collector was that I still owe another {$70.00} for court costs. But that wasn't on the spreadsheet that I was sent. He said after I paid that they would send my letter. I find it's ridiculous cuz this date was four years old and I finally got to pay it off just to find out they won more money. I demand that the {$70.00} be taken care of and my letter be sent to me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Figure Technologies, Inc
State: OK

Complaint narrative:
On XX/XX/XXXX I received a loan solicitation from Figure.com. The mailing stated how much I could borrow and had the EXACT amount of my present mortgage loan balance. My bank says they do not provide that information which means this company had to have looked up my credit information through the Credit Bureau or some other means. None of which would have been authorized by me. 

I understand that soliciting loans is legal, however, is the manner in which they have my private information without my approval also legal? 

XXXX XXXX XXXX XXXX XXXX Ct. 
XXXX, Ok 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 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
For the last past 6 months I have been filing back and forth disputes with all 3 credit brureau for a false collections from an apartment. I've also tried to contact the apartment complex for history of me owing, they never answered or sent anything to me directly. Didn't know I was falsely accused of owing anything until it was put on my credit background. For the following amounts of {$2100.00} and {$330.00} both apartments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: TX

Complaint narrative:
Fedloan refuses to tell me how many payments I have made that would count towards my Public Service Loan Forgiveness ( PSLF ) program. I received a letter in XXXX of 2018 letting me know that my employer qualified for the PSLF program and that they would contact me within 6 weeks regarding how many qualifying payments I have made. It's been a year and they still haven't completed their " audit ''. Every few months I call and they give me the same answer : " It hasn't been completed ''. I've been patient and understanding but I refuse to wait any longer. I suspect that they are attempting to find a way to discredit many of my payments that I have made over the past 6 years. I am losing sleep over this and want a resolution.

Company response to consumer: Closed with explanation