vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
We are receiving repeated calls from XXXX XXXX at Transworld Collections. We do not owe anyone money. These calls are harassing and occurs 1-2 times per-day. We know this is a scam. Our credit rating is very high and our debt not in question. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CO

Complaint narrative:
This complaint is about the 2 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
OnXX/XX/2021 Bank Of America closed my account and I was no longer able to access my money. It was determined that that there was an outside agency ( FBI ) who had a seizure warrant. However on aboutXX/XX/21 the FBI reversed the seizure and BOA is still refusing to give me my money back. They are claiming that it is in a harm hold status and I have hit a brick wall as it relates to speaking with anyone about my money. I had {$89000.00} taken from my XXXX XXXX Savings account and {$640.00} taken from my XXXX XXXX  Checking account. OnXX/XX/XXXXI received a letter from BOA stating that they have close my account and at this time, any remaining balance wont be returned to you as per their term in their deposit agreement. The stated that they have frozen the funds while they review transactions and validate the source of the fund. After this I received new statements from each account with XXXX balances. Since this time I have not been permitted to talk with anyone in the harm hold department. I can not get past the client protection department. I have made 10 calls only to be told that rep will email the harm hold department and I never hear anything back.

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 2021-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I applied for credit ( through a service provider financing program ) on XX/XX/2021. 

I called the company on XX/XX/2021 to report that I had not received any further information regarding my newly opened account ( ie : terms/ conditions, payment schedule, etc. ). 

They told me that the USPS had returned my info packet as " no such address ''. I reconfirmed that my address was correct and was told a new packet would be sent. 


On XX/XX/2021 I called the company again to report that I had still not received anything in the mail from them. I was told that I had a late fee for non-payment. I refused to accept being charge a late fee. I asked for my account number so I could send a payment anyway, and was told they could not give me my account number. 

On XX/XX/2021 I wrote the company a letter explaining the problemthat they will not send me information about a loan they approved, so that I can pay it and today is XX/XX/2021 and I still have heard or received NOTHING from this 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 monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC.
State: FL

Complaint narrative:
I had gotten 3 calls from 3 different numbers all claiming to be XXXX, none of the phone numbers were associated with XXXX and were all previously reported as scams, claiming I owed $ XXXX {$990.00}, it changed each call, and I told them I would pay it when XXXX sends me a bill. I never got a bill in the mail or a call from a legitimate phone number. Then a couple weeks later I received a letter from " Professional Account Services Inc '' with a very vague description, the wrong name, and the wrong address. Then a few days later I received a call from a woman, who had a clearly fake " southern '' accent, claiming to be from the company and saying she was in Tennessee. I told her I was unable to talk as I had to take my daughter to therapy, but she refused to let me off the phone politely. She claimed to have my social security number, which is a threat, and I gave her my email so she would let me hang up. I never received an email. I looked into the phone number because it had a XXXX area code. Turns out this company " from Tennessee '' is using a landline registered in XXXX XXXX, Florida. After that I called the real XXXX  service and they looked at my account and said there was no {$990.00} bill ever and they had no idea where that number was coming from. So I called the " debt collectors '' back. A lady without an accent answered and then after hearing me changed to having an accent, then when I said I spoke to XXXX  she dropped the short-lived accent and started screaming that " XXXX knows who we are '' and when I said okay but I spoke to them she screamed that I am " a liar '' and starting having what sounded like a mental breakdown and I just hung up. Why would XXXX not send me a bill and immediately send it to a debt collector? I am tired of the harassment and threats and want these people shut down. One of the phone numbers they called me from was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: PA

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
After multiple attempts to receive a credit for a returned appliance that was damaged the company keeps passing me to third-parties and saying the refund is " in process '' but continues to accumulate interest charges.

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 2021-05-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
I have contacted Roosen Varchetti & Oliver by telephone and by mail and asked for a copy and summary of what is owed on my account. As it relates to mail I have not received a response and the letter was sent last month. As it relates to telephone I was informed that I can not receive a copy of the ledger for this account. This is troubling to me due to the fact that I am being garnished by my place of employment and I don't want to pay more than what is owed. For some time this company has not treated me with respect. Initially they withdrew money from my bank account and then I made a payment plan with them that they would not put in writing. I don't understand what kind of practice runs a business where they do not want to provide documentation to the individual they are receiving money from. In addition, the amount that I owe from my own standpoint is completely different then what they have on their site. They do not have a ledger on the website nor a summary of what has been paid. I would like that as it is only right and appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
I contacted Absolute Recovery Services in XX/XX/XXXX in regards to a letter that I received concerning an alleged debt that was owed to XXXX XXXX XXXX in the amount of {$1100.00}. I requested a copy of all documents that were submitted as of this alleged debt and I reviewed the information that was inaccurate. They stated that I breached my lease agreement, caused damage to property and I owed rent for XX/XX/XXXX. This is inaccurate and incorrect information and I sent a copy of the XXXX Police Department report to support the alleged damage claims to ARS in XXXX of XXXX along with rental receipt for the last month of rent which was XX/XX/XXXX. However, they stated that they had an obligation to their clients and that the only way that this could be resolved is that I pay the debt. I do not agree with paying debts that I do not owe and I firmly believe that it is unfair. I sent in all the documents to the credit bureau after Absolute Recovery Services stated that they could not and would not remove it from my credit file. They were removed from my credit file but ARS reported it again after I disputed the collection. They have a signed copy of the lease that stated the expiration date of XX/XX/XXXX, the have a copy of the police report that states the damage was vandalism, and the rent receipt for the last month of rent. The ledger and the move out statement was also enclosed as their proof but it is not a legally binding contract and by law can not serve as one by law. They violated the FCRA by reporting inaccurate and incorrect information to my XXXX, XXXX  and XXXX  credit report not once but twice XX/XX/XXXX and XX/XX/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 2021-05-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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:
There are items on my credit report that are violations of the FCRA that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
Professional Placement Services has committed identity theft using my information provided to them from XXXX XXXX XXXX. I have never been to a hospital in Wisconsin nor have I ever executed any paperwork using my information for XXXX to disclose in the state of Wisconsin where the claim originates. I live in Illinois. They have only been provided my name, birth date and social security number. NO address, phone number etc. 

They have now told me two times that they have removed the credit reporting of this collection which is false. They have REPOSTED IT THREE TIMES!! AN IDENTITY THEFT LAWSUIT WILL BE FILED AND ARRESTS WILL BE MADE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: SC

Complaint narrative:
I am a XXXX student, taking a " full course load '' for our reduced semester due to covid restrictions. Because I am not taking over 9 credit hours, my student loans from Sallie Mae did not qualify for deferment. I have been in contact with them to try to see what my options are, as I can not afford to make the full high monthly payments. I gave a financial statement and was told that because I did not make enough money, they were unable to enroll me in a program to reduce my monthly payment. Then my cosigner spoke on the phone with them, they were rude, provided no help and hung up on him. I was later told that he would need to make a financial statement to try to enroll me in a payment reduction program. Even through the payment reduction programs, the amount I will have to pay is more than I can afford. Over the past week, my family and I have been working on reaching a solution. In the meantime, a payment has been more toward the account in a partial amount. I have been in contact with my " account '' manager. I have explained the situation to her in great detail. I have told her I am aware of the date that my account will go to collections and that we, as a family, were working on coming up with a solution to pay for my student loans. In the meantime, I told her I was appreciate if the harassing phone calls would end since we were all aware of the current situation and they had not been helpful. The past two days, my whole entire family has been harassed by this woman. My mother was contacted while at work 11 times yesterday. Today the same woman called my mother AND my brother and sister. I am not even sure how she has their contact information. I again called and spoke with her. I told her again, we were aware of the situation, we were working on a solution and the harassment needed to stop, especially since we have made an effort to make payment and be cooperative. She assured me that she was not harassing anyone. I think contacting a party over 10 times a day, contacting other family members that are not authorized on the account and interrupting someones work day after they have been told several times to stop, would qualify as harassment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
Ally bank has charged a total of {$120.00} in overdraft fees for a {$2.00} overdraft, and is not following their own rules regarding overdrafts. 

My account was overdrawn by {$3.00} by XXXX, and I attempted to connect a XXXX checking account to the Ally account to pay the overdraft. In the process, XXXX made two test deposits of {$0.00} and {$0.00}. Ally charged a {$25.00} fee for each of these test deposits being recalled to XXXX, without, as far as I can fell, actually sending XXXX the {$0.00} they charged two overdraft fees for. Additionally, despite both test deposits being charged the same day, Ally charged two overdraft fees on different days for transactions attempted on the same day ( contrary to their rule of only charging one overdraft per day ). 

I contacted Ally on XXXX to explain the situation, and on XX/XX/XXXX they did refund the two overdraft fees for the test deposits. However, on XXXX and XX/XX/XXXX they charged two more overdraft fees for recurring charges that were not covered ( a total of {$50.00} in fees for a charge of {$2.00} that XXXX attempted twice and was not debited from my account by Ally ). 

Today, XX/XX/XXXX, I contacted Ally to see what was going on and to attempt to close the account. When I asked the person I spoke to if I has opted-in to overdraft services/fees, he told me that it is not possible to opt-out of overdraft services at Ally bank ( which seems illegal under the opt-in requirement of XXXX ). He also said that my account had been restricted due to the overdrafts and no more overdrafts would be charged due to it being overdrawn, which made me wonder why they hadnt done that on XXXX when they became aware of the whole situation. 

As it stands, my account balance is - {$77.00}, of which {$75.00} is fees for overdrafts and {$2.00} is the amount of actual overdraft paid by Ally. It is totally absurd, but the customer service person I spoke to today said that there is nothing that can be done about 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 monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I had a legal name change in XX/XX/XXXX. Ever since, Equifax stopped updating my accounts and credit score. Finally, Equifax managed to correct my name and address in the system on XX/XX/XXXX. So from XX/XX/XXXX to present, there is no credit history being recorded with Equifax. My credit score went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. This is not an issue with Transition and Experian as they have the latest accounts and credit score. 

I currently have a mortgage application and when the lender tried to pull in my credit file with Equifax, they did not get a credit score and was told their system is seeing me as a new person. They failed to link my past and present accounts. As a result, I stand to lose my dream home and close to {$11000.00} in option fees and earnest money. 

Even Equifax 's website says changing the name will not change credit history and credit score. I repeatedly called their customer service only to be hung up on or don't have enough information or resolve this issue. 

I am at a standstill and turning to CFPB to help me in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am the agent for XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2021 we paid off a mortgage in favor of New Rez pursuant to their closing instructions ( copies attached of the payoff and wire transfer ). In connection with closing XXXX made payment to the insurance company for the homeowners insurance premium due and delivered to the insurance agent on XX/XX/2021 ( copy of XXXX and proof of payment ) On XX/XX/2021, New Rez sent a revised payoff statement which included an additional payment for homeowners insurance that they had advanced from their escrow account. I immediately contacted the insurance agent and left a voicemail to ask that they void the check and send back to me so I could send the additional payment as part of the payoff to New Rez. The person who called me back indicated that the person who emptied their drop box would be doing so on Monday, XX/XX/2021. I received the voided check copy after business hours on XX/XX/XXXX ( copy of email attached ). At the end of the day on XX/XX/XXXX, New Rez returned our initial payoff wire and made a demand for additional interest from both the borrower and XXXX in the amount of $ XXXX ( copy attached ). I called New Rez customer service, spoke with XXXX XXXX and she said I would have to pay the additional interest even though they had made the original mistake and I had taken every step to help resolve on our end. On XX/XX/2021 XXXX placed a second wire to include the additional interest ( copy of wire attached ). I believe that the additional interest should be credited back to XXXX for refund to both XXXX and the borrower. I initiated an internal complaint with New Rez and stated I would be filing a complaint with CFPB..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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:
This company reported late payments for my federal student loans for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've provided this company with a forbearance letter from XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that my loan was in forbearance for those dates. Most recent, this company has updated loans that were paid off due to teacher loan forgiveness by moving the late payments from the aforementioned months to : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments have not been corrected, they were moved to later dates including national forbearance dates.

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