vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I attempted to call into Credit Collection Services as they were on my credit report. I am attempting to obtain a mortgage and my lender is requiring an official letter that is on letterhead and signed stating that if I pay off this debt that it will be completely removed from my credit report. I called in and spoke to a woman, she told me that there was a disclaimer online stating this and she could not help me. I then asked to speak to a supervisor, he was very rude and told me this is not something that they normally do, that I would have to get the disclaimer online when I am making the payment. I let him know that it was a requirement of my mortgage lender and they would not accept the disclaimer. He told me that I have had 2 years to resolve this issue and I should have thought about this sooner. I was not aware of this collections account until it was brought to my attention on my credit report. He then told me I would have to make the payment with him first and then he would put in a request to his legal team that " might '' get approved and would take up to 4 business days. He basically was asking me to buy the letter from them. I told him I would be more than happy to make the payment if that letter was provided to me first and I could not take his word that I would actually receive it. He then proceeded to cut me off and then hang up the phone. 

I spoke with a customer service agent and senior supervisor on XX/XX/2019 at XXXX at number XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Two Automatic Clearing House ( ACH ) transactions in the amount of + {$20.00} and + {$370.00} were debited from Citibank and transferred to XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018 respectively. On XX/XX/2018, XXXX XXXX XXXX   returned the funds to the originator. However, the funds were returned to the checking account at Citibank which was closed on XX/XX/2018. 
Per XXXX XXXX XXXX, the trace information for the return transactions are listed below : ( {$370.00} Return Trace : XXXX ) & ( {$20.00} Return Trace : XXXX ). 
Moreover, XXXX XXXX XXXX is unable to take any additional action to reclaim the funds on my behalf.

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 2019-05-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to dispute the following information on my file. I recently learned that my personal information was used to open an account at COMENITYCAPITAL/ZALE, COMENITYBANK/VICTORI and COMENITYBANK/XXXX. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I am a victim of identity theft and did not make the charge [ s ].

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
This company will call my wifes phone and then my phone immediately after. We have repeatedly asked them to stop and sent them letters. They have harassed us on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
They have been reporting this account illegally to my credit report. I have disputed this account through the credit bureaus as well as directly to the XXXX XXXX by certified mail asking to verify this is a valid debt several times and have yet to receive a response from them. Last certified mail sent which I know they received was XX/XX/XXXX and still no response to that one. They are beyond the timeframe to Respond and are in violation of FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
Have told them numerous times by phone and letter to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
Was informed by credit monitoring services that unauthorized credit pull was made by Cashcall mortgage ( XXXX XXXX ). Called XXXX XXXX at Cashcall mortgage to request that the unauthorized credit report that was pulled be provided to me immediately for my records. I was told by XXXX XXXX that company policy was NOT to issue credit reports. 

That is a flat out blatant lie, and I have attached documented proof that is a flatout blatant lie!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2019, XXXX debited from my account {$170.00} usd for a fraud to my XXXX card, that day an adviser from XXXX XXXX XXXX asked me for my card to pay for something I had not used. 

That same XX/XX/2019 in the afternoon, debited from my account {$1000.00} usd without authorization and impersonating my Bank of America card, this money was fraudulently taken from my account, Bank of America was informed on XX/XX/2019 by phone and I reimbursed the {$1000.00} usd to my account, informing me that they would do the respective investigation reviewing the videos and the signature of whoever used the card including the police for the report of theft. 

Three months later, on XX/XX/2019, the Bank of America debited my account of XXXX XXXXUSD and {$130.00} usd of charges, informing me that the investigation made by them had been ruled against me. 

The Bank of America has not given me the documents with which I carry out the investigation, nor does it want to inform me why they made that decision, if it was not me who used the card and if a thief did it. 

I appreciate your intervention for the bank to return my money and charges and inform me why you have tried to damage my credit and my name also by law the bank of america must give me a copy of the investigation.

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 2019-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP
State: GA

Complaint narrative:
On XX/XX/19 I tried closing my checking and savings Keybank accounts via customer support, as I moved to a state that doesn't have a branch. On XX/XX/19 I received a confirmation email. On XX/XX/19 I received a charge off notice via mail from Keybank stating I owe them the service charges that have been accruing for the previous three months on the savings account I thought I had closed. 

I called the Keybank customer support line, and the representative said there was nothing she could do and forwarded me to the debt collections department. That representative also stated there was nothing they could do as the only action they could take was to collect the debt. She did suggest I call the branch where I opened the account to see if they could help. They could not. The manager didn't even know that accounts could be closed over the phone. 

Without any other options, I scheduled the balance to be paid off on XX/XX/19. This was an extremely frustrating situation that was the fault of Keybank. Their representative did not close all the accounts I requested. Mistakes happen, but Keybank made no attempt to rectify the situation. If I ever move back to a state that has a Keybank branches, I will certainly not be a returning customer and would suggest that others avoid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a Bank of America Credit Card where I make a XXXX dollar minimum payment. In XX/XX/2015 I was reported to XXXX as past due/Late. I have made numerous attemps in writing as well as verbally to ask for forgiveness as of said late payment reported. As to Date this blemish is holding down my credit score even though I have had stellar payment history previous to this action with Bank of America as well as thereafter. I want to make it clear that I have stellar payment history and I have been carrying out my obligations effectively.

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 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: FL

Complaint narrative:
Dear Sir/Madam : I have written several request of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : Perfection Collection Opened XX/XX/XXXX - {$4500.00} Original creditor : XXXX XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from MY credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 )  costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 


XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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 2019-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Thursday, XX/XX/2019, I was attempting to buy tickets to see XXXX XXXX perform at the XXXX XXXX that night. I found a listing on XXXX saying that a man was selling 2 tickets for {$250.00}. I texted back and forth with the man and ended up sending him the {$250.00} over XXXX. After that he told me that he would be sending me the tickets and then blocked my number and the tickets never arrived. I have spoken with representatives at Chase 2 times and they have been either unwilling or unable to help me contact XXXX to figure out who the guy is that scammed me. I have also filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: MD

Complaint narrative:
I refer to the letter dated XX/XX/2019 from North Shore Agency ( hence after NSA ) suggesting that I owe an outstanding past due balance to XXXX and that NSA is collecting this debt on behalf of XXXX. The letter suggests that I owe an outstanding past due balance of {$130.00} to XXXX. The assigned ID # is XXXX, and the Invoice No. is XXXX. 

I have taken the following actions : -I have contacted XXXX costumer service to confirm that I never owe any outstanding past due balance and that the PO Box located in Pennsylvania that you have provided in your letter is not associated with XXXX  ; -I have examined my credit report and confirmed that this debt does not exist under my name ; -I have also examined my complete annual credit report and confirmed that your agency never attempted to contact my credit bureau to acquire my credit information ; -In light of the above information, I have reason to believe that NSA has fabricated this debt in order to harass me and collect my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NY

Complaint narrative:
AFTER OBTAINING MY CREDIT REPORT I NOTICED ENHANCED RECOVERY COMPANY PLACE AN COLLECTIONS ACCOUNT ONTO MY CREDIT REPORT ON XX/XX/XXXX WHICH I HAVE NO IDEA ABOUT I SINGED UP FOR XXXX TO HELP ME GET THIS COLLECTIONS OFF MY REPORT THE DISPUTE DATE IS XX/XX/XXXX I NEVER HEARD FROM THEM AND THIS ACCOUNT IS STILL BEING REPORTED ON MY CREDIT REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: NV

Complaint narrative:
Earlier this year, about mid XX/XX/2019 my Equifax score dropped 50 points in one day. I have talked on many occasions`to customer service and supervisors about this pro blem. I can't get any answer as to why score took such a big drop. No one at Equifax can answer this question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2019, I called XXXX XXXX XXXX XXXX at XXXX at XXXX XXXX to get my free annual credit report from Equifax . I was assured that such report would be delivered to my home address within 15 days. To date ( XX/XX/2019 ), I did not receive such report. I am entitled to get a free report once a year from Equifax. I urge you to contact Equifax on my behalf and compel them to release my credit report. 
Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a debt of XXXX with XXXX XXXX being collected by XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX I paid off the balance in full on XX/XX/XXXX With a guarantee it was settled. 
Recently I got an alert that its on my account Balance Date XX/XX/XXXX Balance {$230.00} I called the company and they are rude and told me they removed it and if I want it expedited off my report I have to take it up with the credit bureau and hung up. They refused to give an explanation on why it was on there

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 2019-05-08 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: Nelnet, Inc.
State: NY

Complaint narrative:
I've been consistently paying on my student loan for years but the balance continues to go up. I've started keeping detailed spreadsheets at the end of XXXX so I can understand how the balance is working. I have a lump sum auto-debited every month which has been getting applied across all the loans. In addition to the monthly payment I've been making extra payments and knocking out loans one by one lowest balance to highest. Note that I currently have 12 loans left with Nelnet each with different interest rates and payment amounts. When I checked my balance at the end of XX/XX/XXXX the overall balance was just under {$29000.00}. I really felt like I was finally making progress. I've paid off four loans in the last year. This past weekend when I checked my overall balance is {$29000.00} which has increased! I paid more than {$1000.00} over the balance due yet my balance is increasing which doesn't make sense. Upon looking into it more I see on the website that my XX/XX/XXXX payment was not applied across all 12 loans but only to 3 of the loans which caused the other 9 to increase in overall balance. I called the company tonight to find out why they are doing this. I spoke to a gentleman named XXXX who told me the Department of Education decides  which loans need to be fulfilled to make it better for the consumer. I said I understand since it applied to the 3 highest interest rate loans ( all above 6 % ) but how is it possible for the balances on the other loans to increase. None of this make sense to me and I'd like it investigated. I've been ensured that I'm in the best plan the standard repayment plan which pays it off the quickest. I was offered the option for income based and I would pay for twenty years and have the rest forgiven which I laughed at since my goal is to have all of these paid off in a year. I just feel like the company has been taking advantage of me since day one back in XX/XX/XXXX. They see that I am trying to pay these off so have started picking and choosing which loans the money is applied to. How could they go from months of consistently applying across all loans to now all of a sudden only applying to three loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX New jersey Okay my experience with XXXX the salesman was XX/XX/XXXX. However be careful when when making deals here. They give the lowest trade value compared to anywhere. I bought a brand new XXXX cherokee. I drove off the lot traded in my car the same day. I didnt like the car after doing my daily routine one day later. I came back two later they didnt want to take return so I did a traded it in. Car lost 25 % of its value. Only about 100 miles or so. I understand that. However they didnt help with the big amount of money I gave them with my trade in. So I lost another XXXX $ getting into the other car that I still wasnt satisfied with. Which left me with an equity of {$3000.00} toward this car. Now thats stealership. I just want everyone else to be careful with what you do cause theres no going back once you sign those papers and whats gone is gone and it sucks i just handed these guys XXXX XXXX Lesson learned. Also theyll lie there giving more for your trade but all theyll do is use these random rebates to get the car price down. So you fall for it. You wont find out until the last paper you have to sign. Which is the 20 long legal paper in pink

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: OH

Complaint narrative:
i submitted documentation to all three credit agencies, only XXXX   corrected my information. Both equifax and XXXX, is lying concerning their actions taken, to resolve said matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I asked that you investigate and remove the unauthorized inquiry on my credit report. 
CAPITAL ONE AUTO FIN Inquiry from XX/XX/2019 I checked my report recently and noticed that you did not remove it. Why is that? It appears to me that you don't care about my rights and my creditworthiness.

Company response to consumer: Closed with non-monetary relief