vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX came to our home to give us a quote on a new bath. Gave service rep our personal info to get pre approval for a loan. Got approved for a certain percentage. I turned it down. Got a notification from my credit report a credit card was opened in my wife and I 's name. We never approved for them to do this, a credit card was never even mentioned. The sales rep even opened the card in a higher amount than we even needed. This happened XX/XX/XXXX. I have called the company to talk to thesales rep, but they never get back to me on the issue.

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 2020-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On the XX/XX/XXXX we used XXXX ( the only option allowed by Ally Financial ) to pay off our car loan. We were told that the lien would be released and that we could obtain the title via the DMV by the XX/XX/XXXX or XX/XX/XXXX. We went to the DMV on the XX/XX/XXXX and the lien had not been released. We called Ally and they said that they would fax us a lien release letter that day. Nothing came through. We called on the XX/XX/XXXX and again they stated that they would fax us a lien release letter and again nothing came through. I called again today ( XX/XX/XXXX ) and again they only remedy that Ally would offer me is to put through yet another request for an " urgent '' fax. We have a buyer for this car, but without a title we can not sell it. If the buyer goes away then I have been financially hurt because Ally is negligent by not releasing my lien/title in timely manner.

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 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
In XX/XX/XXXX I received my escrow analysis dated XX/XX/XXXX. The second page reflected the incorrect amount of taxes to be disbursed in XXXX  ( for the XX/XX/XXXX installment ) as {$1500.00} - higher than the actual amount of {$900.00} ; also making the page 3 projection incorrect. ( Taxes are collected bi-annually, with different disbursement amounts for each installment. ) The error in the analysis created a shortage of {$810.00} - which is not true. I was given the choice to pay the shortage up front or add it to my monthly payment. 

On XX/XX/XXXX I called Roundpoint Cust. Svc and emailed them proof of the tax amount scheduled to be dispersed for the XXXX. installment, as per their request. I had previously emailed them the same bill in XX/XX/XXXX. I also requested a new analysis to be prepared. The only good result is they disbursed the XXXX. taxes for the correct amount ; however, I have not received a new analysis. Since I did not feel confident that they would prepare and send the analysis, I sent ( via mail ) a notice of error to them on XX/XX/XXXX along with a copy of the analysis and proof of the tax amount. I have not heard anything and my billing statement for XX/XX/XXXX reflects a higher tax amount being collected including the shortage. I called again last week but the person in the tax department did not seem to be knowledgeable. He said that I now had an overage, but I believe he was looking at the amount left in the escrow account, not whether an analysis would result in an overage or shortage. Again I explained the situation and requested a new analysis and new monthly statement. 

I have an ACH on the first of the month - next due XX/XX/XXXX and have no idea what amount they are going to take. I warned them of that and they said I would not have to change my ACH, as they would deduct the new amount. I have no idea if that is correct information or not. I fear that if they take the higher amount it is simply going to make the matter worse and more difficult to correct. Also too, I am not sure whether I even trust that they will deduct the correct amount, or whether my payment would be rejected. If there is still an shortage after the new analysis, I would pay it upfront. I am running out of time before 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 2020-02-24 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: FL

Complaint narrative:
I have been disputing negative items with Equifax on my credit report since XX/XX/XXXX. Since then I have been consistent in sending dispute letters and have kept great record of everything I've sent. Equifax has not responded to my claims or properly investigated my disputes which is my right as a consumer. I have attached all of the correspondence I have sent to Equifax and will also spell it out for you below. 
On XX/XX/XXXX, I sent my first round of disputes to Equifax. This letter was sent certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I sent a follow-up letter to Equifax to please reinvestigate my claims. 
On XX/XX/XXXX, I sent a method of verification letter to Equifax, inquiring how they are supposedly verifying the accounts on my credit report. 
On XX/XX/XXXX, I sent yet another letter to Equifax asking for them to re-investigate my disputes and again nothing happened. 
On XX/XX/XXXX, I sent one more letter to Equifax letting them know of my intention to file a complaint with the CFPB if nothing changed. Nothing changed, so here I am filing this complaint. I am outraged at how I have been treated by Equifax. They are blatantly ignoring my rights as a consumer and deserve to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: MD

Complaint narrative:
This collection agency was disputed via credit bureau which notified me that the collection was valid. I have not received any verification of the validity of this collection from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XXXX XX/XX/XXXX TOYOTA MTR XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX TD  BANK N.A. XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: MD

Complaint narrative:
I have received information from the credit reporting bureaus that this collection is accurate, yet I have not receive a verification and validation letter to show proof that this collection is accurate and owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: CA

Complaint narrative:
To : Wh

om It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my 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 2020-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD

Complaint narrative:
Wakefield & Associates is servicing a medical debt collection claim originating from Medical-XXXX XXXX XXXX XXXX XXXX. The amount in question was {$310.00}, and was originally issued on XX/XX/XXXX. No invoice was received regarding this amount until XX/XX/XXXX, when it went to collections. 

The amount was paid on or about XX/XX/XXXX directly to Medical-XXXX XXXX XXXX XXXX XXXX - NOT the collections agency. 

The most recent date on my credit report is XX/XX/XXXX, with the account noted as " OK ''. As of XX/XX/XXXX, my credit report is still showing the medical debt status as " In Collections '' with Wakefield & Associates. Attempts to resolve and correct this have been unsuccessful. Wakefield & Associates refuses to acknowledge the debt as settled, and it has been this way for 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: MD

Complaint narrative:
This company has not sent a validation or verification of this debt, which was disputed previously and is noted on my file.

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 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
HRRG collection agency calls my phone repeatedly. 8-10 calls a day. They called me at XXXX a few days ago. I already spoke with them and explained my child had insurance and the hospital failed to bill correctly. To stop calling. The calls are all day and evening. They always call from a different number so I can block the calls. Its getting out of control. So far today they have called 10 times. Its XXXX. The calls started and XXXX. They will probably call and 5-6 times. Sometime they call back to 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 explanation
Consumer complaint received 2020-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I do not owe the Minnesota Department Child Support Division of XXXX  County. 
I spoke with the Child Support Officer : XXXX XXXX at lenghth. Also, she gave me proof of ths that the case is closed and there are no arrears. My child mother also got a copy and supported the decsion as well. This is not accurate, therefore this should be remove. Please honor the Fereral Trade Commission guildlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under

FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS -- 1. XXXX   CARD wi
th ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my 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 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had an one time 30 days late payment on XX/XX/2015 and been making on time payments since then. I have called the company many times for a goodwill adjustment on that one time late payment. The company refused to work with me on this matter and was very rude to me.

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 2020-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
XX/XX/2020 I sent a rent application, then on XX/XX/2020 it was approve by a lawyer and was told to deposit money to secure until I would be able to move in. I sent the money {$1600.00} via XXXX  XXXX  and was told the keys and documents of the home would be sent overnight. I waited but nothing came I then looked their number up and it appeared on a scam website along with their name. I texted them on multiple occasions without a response, I have called them and also tried requesting my money back but she declined it and then blocked me on the app. I have filed a fraud claim with my bank XX/XX/2020 I sent them many screenshots from the day I filed the claim to XX/XX/2020 but was told they couldnt do anything in my favor because I used a third party app. I had also emailed XXXX XXXX  on XX/XX/2020 and XX/XX/2020 and they told me they couldnt refund me my money but I am able to file a dispute with my bank and they would be able to have the right people help me out. I called my bank again and told them if I could file a dispute but they told me it really wouldnt be necessary for me to file one because it would be very hard to get my money back. I made a police report on XX/XX/2020 as well and havent heard anything back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/19 I noticed that XXXX the APP like XXXX withdrew from my bank account the amount of {$220.00} through XXXX transaction # XXXX XXXX XXXX XXXX CA XXXX for an order that I do no authorize. I have tried to contact XXXX  by phone but they only say to use on line app so I send a lot email to them but never answered anything about the transaction. 
Then I contact my bank Citibank N.A. I sent them the information they asked for and they told me to cancel my debit card to avoid future unauthorized transactions and cancel my debit card. After months the resolution of my bank was that since I received the merchandise that they could not do anything. 
XXXX had the information on file of my debit card and home address because I had previously made a purchase with them. 

Citibank then told me that when XXXX  through an email ask me if it was my address and that I said it was, but it was because I first sent them an email telling XXXX  that they had sent me merchandise to my address that I did not order or authorize and I asked XXXX for a shipping label to return everything they sent me and now they say that I could have returned it in 30 days after the complaint but as if I never answered XXXX  to which address I could RETURN the merchandise. 
As the bank did not help me then I called XXXX and they told me that since I started the complaint with my bank they could no longer help me. 
The representatives of appeals in Citibank made me spend time money on faxes that they say they did not receive which is a lie because I have the confirmation and I was talking with Citibank to check the status of the case until I had to reopen it again because they had Case closed.

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 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R&R Professional Recovery, Inc.
State: MD

Complaint narrative:
I have not received any information from this company as to who or what this collection is for. I request that the collection agency verify and validate this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was a victim of fraud and Chase Bank denied my claim for {$2900.00}. They approved a {$800.00} claim but denied the {$2900.00}. In the letter I received they said it was because they think I approved the transaction or gained something from it. But when I called customer service they said it was because I didnt report a counterfeit check that the fraudsters tried to deposit for {$490000.00}. But I did report it. And theyre saying the only way they can do anything is if I have evidence it wasnt me. I was watching my baby brother while my mom was working, I dont know how Im going to show evidence it wasnt me. My account has never seen more than {$500.00} it should have been flagged for fraud right away. If they dont reopen my claim I will not be able to pay them back or even want to because they are XXXX   me over and its gon na destroy my credit.

Company response to consumer: Closed with explanation