vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Transaction Date:XX/XX/2019 Transaction Time:XXXX XXXX Term ID : XXXX Sequence Number : XXXX Deposit Amount : {$2600.00} I was depositing {$3500.00} ( XXXX dollar notes ) to my checking account at the drive through ATM and the machine gave back {$900.00} dollars and the screen said {$2500.00} received and since there was a {$100.00} dollar difference i cancelled the transaction thinking I'll go in person and deposit but after pressing cancel, the machine asked me to take my card and printed a receipt which said Call a XXXX number to make sure the transaction went through. I called that number immediately and the customer service tech from Chase said they will credit my account within 12 hours. I called them after 12 hours and they said call back after 6 hours. I called them again after 6 hours and they said it will take them 10 business days to investigate this transaction. Not sure what to do at this point. Please help ... .. I have the receipt with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
This firm is persistent with a letter in collection of a debt. My request for the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt has not been complied to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XXXX XXXX XXXX has called me and members of my family claiming I owe {$2400.00} on a loan that I've never taken out. I told the representative that I have never taken out this loan. She told me that it doesn't matter. I still owe this money. I asked her to please give this information to me in writing and she would not. I asked her why the company that I supposedly owe this money to has never reached out to me and she said they would not ever contact me. I asked her to give me the companies contact information and she would not. She said this was for Ace Cash Express for a loan of {$2400.00} in XX/XX/2018. I double checked my credit report and I do not see any sort of loan for this company. I checked my bank transactions and do not see any sort of deposit into my account from this company for this amount. They are harassing my family and me. They refuse to provide me with adequate information about this supposed debt. I looked up the phone number for this person who called me and came up with nothing. I had to have her repeat what company she supposedly works for. She would not give me her full name. Her phone number is XXXX. It appears to be a number from Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: NY

Complaint narrative:
On XX/XX/19 I opened a checking account with XXXX XXXX with a promotion for {$200.00} contingent upon receiving a direct deposit. I processed several of my work direct deposits into this account and was supposed to receive the {$200.00} bonus within 42 days fo the direct deposit. The direct deposit was received XX/XX/19, 42 days would be XX/XX/19. I have not received the bonus that was promised to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
The company Navient has been trying to make me pay XXXX dollars for a student loan that I already paid in full for sallie Mae in 2012. They wont stop sending me bills even though I tried to tell them the debt was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
During my phone conversation in mid-XXXX with a Citi Bank Rep, I was promised that both balance transfer fees would be refunded due to their error. Citi Bank took my over payment and refunded it back to me as an balance transfer and then charged me a fee for refunding my money.

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 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
Hello, I have been attempting to work with Cavalry SPV LLC to resolve a collection issue I unfortunately have encountered. In attempting to resolve this after understanding the where the dept fell, I contacted Cavalry to  resolve the dept since in have not received any information via mail or phone. Cavalry informed me that even though they still own the dept and they are showing up on my credit report that they have turned the dept over to a law firm. The law firm that it has been turned over to is XXXX XXXX XXXX  in XXXX AZ. I was able to attain the phone number of the law firm after Cavalry told me they would not be able handle taking care of the dept even though it still under their name on the credit report. 

I have attempted to call XXXX over the past 3 weeks to see about resolving this issue and have received a voice mail in which I have left a messages with my number to call me back. I have never received a call back from this firm nor have received any correspondence via mail, email, or any contact. That said, I called Cavalry back and spoke to their legal department on XX/XX/19 explaining the difficulty in working with the agent they have designated to help resolve credit issues. They were responsive mentioning that they would contact a manager or attorney at XXXX to contact me so we can attempt resolution. No response from XXXX on XX/XX/XXXX so I called Cavalry back at XXXX on XX/XX/XXXX to speak to the legal department again to get a name of a the manager at XXXX and I would be happy to contact them directly. I was directed to a XXXX who is supposedly a Sr. Manager there and I called direct to him where I received his voicmail at XXXX XXXX to tell me his voice mail was full so I was not able to leave a message to get a call back. 

My compliant is this ... .I have demanded to get validation of this dept and come up with a solution to resolve this dept. I have NEVER had any validation nor ANY possibilities presented to me to resolve this until I found this on my credit report when looking into something needed in my life ... ..How is this possible? I have not received a phone call nor any correspondence. This is seemingly is a pattern that there is a extreme lack of communication by both of these companies that would allow for a consumer to resolve their issue as unfortunate at is may be. I ask for action to resolve this. 

Thank you for your consideration as a consumer to get through this! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AR

Complaint narrative:
AES ARE CHARGING ME FOR A LOAN THAT I NEVER RECEIVED, I DID NOT ATTEND COLLEGE OR GET A LOAN IN 2006. I APPLIED BUT NEVER ATTENDED. SOMEONE FORGED MY NAME EVIDENTLY. THEY TOLD ME NOT TO MAKE CONTACT WITH THE SCHOOL. WAS SUPPOSED TO SEND ME A PACKET BUT NEVER DID.I PAID MY 1 AND 2 LOAN OFF AND NOW I HAVE A 3 AND 4 LOAN THAT I NEVER APPLIED FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.

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 2019-05-14 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 have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 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: CA

Complaint narrative:
On XX/XX/XXXX, I have received the attached e-mail from Citi ( attached ). According to that e-mail, I had until XX/XX/XXXX to renew my XXXX membership to keep my Citi Credit card account opened. 
Yet on XX/XX/XXXX, I have received another e-mail from Citi ( attached ), that states that my Citi account has been closed. 
Citi dropped the ball here, obviously. They did not honor their own communication to me. They have closed my account. When I called them, and asked to talk to supervisor, they have mentioned that e-mail only gives me until XX/XX/XXXX to renew my XXXX membership in order to keep Citi Credit card opened. 
That is complete lie! 
Supervisor XXXX said that they have to Hard pull from my credit card in order to open Citi Credit card! They account that I had since XXXX! ( originally with XXXX XXXX, but Citi bought the XXXX accounts from them ). 

I demand Citi reinstate my credit card right away! 
E-mail is an oficial document. Citi should honor their own communication. 
Please reactivate my account as soon as possible. 
I do not want to get any Hard pull inquieries to my credit. 
I want same exact account reopened to keep my tenure on 10 years.

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 2019-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.

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 2019-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR

Complaint narrative:
We are two months behind in payments, we attempted to make a payment today for a monthly mortgage payment online. We are in the process of asking for mortgage assistance. We were told online processing of payments was not available and to call customer service at the lender. We did that, and were told they could not take our payment over the phone we would have to mail in our payment unless we were willing to make two months of payments at this time, then it could be taken over the phone. I asked to please explain this in writing or provide documentation that explained why they could not take our usual payment over the phone, and was told there was none, and was told again to submit it via mail. 

We can and will submit our payment via certified mail- but believe this is requested by the servicer to delay the payment past the grace period and show that the payment was again late giving favor to the lender when we are trying to clean this up and move our account current.

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 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Hello, I have been attempting to work with XXXX XXXX XXXX to resolve a collection issue I unfortunately have encountered. In attempting to resolve this after understanding the where the dept fell, I contacted XXXX to resolve the dept since in have not received any information via mail or phone. XXXX informed me that even though they still own the dept and they are showing up on my credit report that they have turned the dept over to a law firm. The law firm that it has been turned over to is Gurstele Law firm in XXXX AZ. I was able to attain the phone number of the law firm after XXXX told me they would not be able handle taking care of the dept even though it still under their name on the credit report. 

I have attempted to call Gurstele over the past 3 weeks to see about resolving this issue and have received a voice mail in which I have left a messages with my number to call me back. I have never received a call back from this firm nor have received any correspondence via mail, email, or any contact. That said, I called XXXX back and spoke to their legal department on XX/XX/XXXX explaining the difficulty in working with the agent they have designated to help resolve credit issues. They were responsive mentioning that they would contact a manager or attorney at Gurstele to contact me so we can attempt resolution. No response from Gurstele on XX/XX/XXXX so I called XXXX back at XXXX on XX/XX/XXXX to speak to the legal department again to get a name of a the manager at Gurstele and I would be happy to contact them directly. I was directed to a XXXX who is supposedly a Sr. Manager there and I called direct to him where I received his voicmail at XXXX XXXX  to tell me his voice mail was full so I was not able to leave a message to get a call back. 

My compliant is this ... .I have demanded to get validation of this dept and come up with a solution to resolve this dept. I have NEVER had any validation nor ANY possibilities presented to me to resolve this until I found this on my credit report when looking into something needed in my life ... ..How is this possible? I have not received a phone call nor any correspondence. This is seemingly is a pattern that there is a extreme lack of communication by both of these companies that would allow for a consumer to resolve their issue as unfortunate at is may be. I ask for action to resolve this. 

Thank you for your consideration as a consumer to get through this! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: CITIBANK, N.A.
State: AR

Complaint narrative:
creditor reported me 30 days late XX/XX/2013

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 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I have been trying to clean my credit up there are a few items that are on there that were not done buy me I would like my credit report so I can Challenge these items

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
In regular contact with company at least 4 times by phone. They have extensive notes on their computer of issue with reporting delinquency of XX/XX/XXXXlate payment of 30 Days. Was told last week that they would get issue resolved when customer service rep talked to reporting department was told they they no longer honor SCRA protections as of XX/XX/2019. It was the first time I have heard of the change in the previous three times speaking with Freedom Mortgage Company in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their supervisor was also unaware of change also. See notes under mortgage account of full story. Just notified again that company also reported me being 30 days late in XX/XX/XXXXdue to billing statement they sent to my house on XX/XX/XXXX. That states one amount to pay when really our rate changes to another amount. My wife paid statement amount on billing statement and was told was late only when we physically called company. This company has caused me to look elsewhere for a mortgage company. I have statement to verify XX/XX/XXXXlate reporting. See notes for XX/XX/XXXXreporting please under mortgage notes with company.

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 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Yeah I Send Dispute To Creditor But I Never got Response back from them at all .. 

XX/XX/2019 Balance is {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
In reference to the Merchant : XXXX who has fraudulently been using my Social Security Number to open accounts with them, in which I have not ever authorized. 

Hello, Please help me with the Merchant : XXXX who has been harassing me into paying a debt I do not owe. They have opened accounts under my name/Social Security number without my authorization and due to Identity Theft. I have personally already addressed this issue with them back in XXXX, confirming this is a fraudulent account with a police report, however, they have been persistent in harassing me with several Collection companies and continually adding negative remarks to my Credit Report even after the fraudulent account already being removed. 

Merchant : XXXX does not have any accurate details about me other than my name and social security number, which they have used without my authorization due to Identity Theft. 

I have already disputed this fraudulent account with all 3 Major Credit Bureaus and they have confirmed Merchant : XXXX is a fraud and had been opened without my authorization. 

Even after all 3 Credit Bureaus have successfully removed this fraudulent account from my Credit Report, Merchant : XXXX has continually used my Social Security Number at their own free will to add another Fraudulent Account under my name and Social Security Number. 

They have fraudulently added this account to my Credit Report more than 3 times now. 

The dates disputed were back on XX/XX/XXXX, for : XXXX : XXXX XXXX : XX/XX/XXXX This item was removed from your credit report. 

XXXX : XXXX XXXX : XX/XX/XXXX This item was removed from your credit report. 

In XX/XX/XXXX, Merchant : XXXX has for the third time, added another collection to my Credit Report with Collection Company Name : ENHANCED RECOVERY CO L - even after this account has already been found as Fraud. 

This is the third time they have used a different Collection Agency to harass me into paying a debt I do not owe. 

Merchant : XXXX and their Collection company : ENHANCED RECOVERY CO L are requesting I pay them {$3000.00} USD for an account I have not ever had with them and which was opened fraudulently. 

Thank you for your help with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In regular contact with company at least 4 times by phone. They have extensive notes on their computer of issue with reporting delinquency of XXXX late payment of 30 Days. Was told last week that they would get issue resolved when customer service rep talked to reporting department was told they they no longer honor SCRA protections as of XXXX XXXX. It was the first time I have heard of the change in the previous three times speaking with XXXX XXXX XXXX in XXXX, XXXX, XXXX, and XXXX. Their supervisor was also unaware of change also. See notes under mortgage account of full story. Just notified again that company also reported me being 30 days late in XXXX due to billing statement they sent to my house on XXXX XX/XX/XXXX. That states one amount to pay when really our rate changes to another amount. My wife paid statement amount on billing statement and was told was late only when we physically called company. This company has caused me to look elsewhere for a mortgage company. I have statement to verify XXXX late reporting. See notes for XXXX reporting please under mortgage notes with company.

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