vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: FL

Complaint narrative:
XXXX XXXX XXXX mistakenly tried to take money from my savings account ( which did not have a balance ) on XX/XX/XXXX and also XX/XX/XXXX for a car payment that did not belong to me. The credit union paid the car payment and then sent me to Allied International Credit Corp. ( Collections ) for the amount. 

I received a letter from XXXX on XX/XX/XXXX stating that my account was overdrawn and that they closed my membership account and charged off the debt. This was the first letter that I received in the mail and I immediately went into the local branch to dispute it. They told me that they sent prior messages to me but they were only sent digitally to my account and again, it is an account with no balance that I never use so I didn't have any reason to check for messages with this account. 

I explained to Suncoast that the car payment to XXXX XXXX was NOT my debt and I never had an account with XXXX. They told me that they couldn't do anything about it. This is wrong. They admitted to me that they paid a car payment that is in XXXX XXXX XXXX 's name, which is admitting that they made a mistake. I do not know XXXX XXXX XXXX and never have, this is a bill that the XXXX XXXX XXXX paid by mistake from my account for someone else 's car payment. 

On XX/XX/XXXX, I received a letter from Allied International Credit Corp stating that my account was referred to them by XXXX XXXX XXXX for collection of a debt of {$430.00}. At this time, I pulled my credit reports from XXXX, XXXX, and XXXX  and this debt is now showing on my credit reports and therefore ruining my credit. I am only XXXX years old and this is so unfair. This is not my debt and XXXX is not taking responsibility for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Regional Management Corporation
State: TN

Complaint narrative:
I received their check in the mail XXXX 2020. Short on funds, I moved forward with this loan. 
I paid the total amount off in XX/XX/2020!! I spoke to XXXX back then and arranged the payoff. They have called me a few times asking if I needed funds since then. I declined! 
Today I get a call from XXXX again telling me I had a {$40.00} balance!!!! In which I replied with whatever and hung up. This is a scam!!! I dont owe them a dime!! 
I have not heard from them other than offering me a loan, in months!!!! Because I paid it off!! 
These people are drumming up charges that I dont owe and I want that {$40.00} balance removed immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: GA

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My credit card was charged by a restaurant for a purchase that was paid with cash. My credit card was given at the beginning to begin the tab. I disputed the matter with Citibank but they did not try to resolve 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 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX. I own XXXX XXXX XXXX company. I also own my home with SPS ( Select portfolio servicing ) Loan # XXXX In XXXX my company received forbearance from my banks regarding my mortgages on its commercial properties. I in turn gave my tenants six months of rent free months in order to ease the burden on their businesses.

The only business that refused my Forbearance request was SPS or Select Portfolio servicing. 

I began the RMA ( Request for Mortgage assistance ) in XXXX. They still have not reviewed. 

I have furnished them with - Mortgage statements - Mortgage verification letters - Bank Statements - Bank statements showing no deposits - Bank statements showing renters deposits - Leases on all the rental properties I own. 

I told SPS that I could not make a payment for 6 months and after those 6 months I would start making payments again as soon as I received income again. After 6 months I continued making payments again for the last 3 months. 

Despite this SPS send me no less then 2-3 letters every month threatening foreclosure, saying my account is in default and that they need more info. Every month I call speak with them on the phone and they explain what they need I prepare it and send it in. Then they say it's not enough. 

This is starting to seem like a predatory scheme where threatening and scaring me are the main job of the business as opposed to creating a healthy business environment. 

I have attached all the documentation asked for by SPS - Leases and renewals of tenants in XXXX Arizona # XXXX # XXXX & XXXX XXXX XXXX. 
- Most recent bank statements where rent was received ( highlighted and noted ) - A letter signed by myself of lack of income verification - XXXX, XXXX and XXXX tax returns - Mortgage verification for XXXX Arizona # XXXX # XXXX & XXXX XXXX. st - Mortgage statements for XXXX Arizona # XXXX # XXXX & XXXX XXXX XXXX. 



Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: TX

Complaint narrative:
I bought a used truck from Carvana last year. Carvana uses XXXX to service the loan. I have requested multiple times by phone and by email to both XXXX and Carvana to provide paper statements each month. They flat refuse. 

It is my understanding that the E-Sign Act requires them to supply paper statements unless I opt-in to paperless.I do not remember doing this in anything I have signed. In any case, the E-Sign Act also allows me to opt-out of paperless as well. 

I need the CFPB to intervene and demand their compliance with this Federal Law on my behalf. This means that I want to receive paper statements every month.

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 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: AZ

Complaint narrative:
This company refuses to identify who they are and are calling me at work. It's a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CT

Complaint narrative:
I had difficulty paying rent due to the COVID-19 pandemic. I attempted to work with my landlord but they sent my account to a debt collector without any notification. 

On XX/XX/XXXX, I received calls and letters from IQ Data International, XXXX XXXX XXXX, XXXX, WA XXXX informing me of my debt. 

On XX/XX/XXXX, I responded, disputing the amount of the data, and requesting documentation verifying 1 ) that IQ Data International is licensed to collect debts in Connecticut, 2 ) that IQ Data International is authorized to collect this debt, and 3 ) that I am responsible for the debt. 

IQ Data International responded with a listing of my debt, which in addition to my rent included substantial additional charges. They provided no additional information. On XX/XX/XXXX, I responded, again disputing the amount of the debt and requesting documentation of license to collect debts in Connecticut and their authorization to collect this debt. 

On XX/XX/XXXX, I received a letter from IQ Data International threatening that without payment they would report my debt to credit bureaus. They did not provide any of the information I requested. 

On XX/XX/XXXX, I responded again, asking for the verification information. In response, they provided no further communication and reported my debt to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX I contact Region Bank about a fraudulent bank wire, between my account at Region Bank and XXXX XXXX for the purchase of XXXX truck in the amount of {$3900.00}. Region Bank replied they will ask XXXX XXXX to conduct reverse wire transfer and XXXX XXXX replied it will take 90 days to conduct a fraudulent investigation. On XX/XX/XXXX my bank Region called and notfied me that XXXX XXXX have completed their investigation and fought the transaction was fraudulent but could not return my money do to there were no funds in Global Auto Auction account. I ask Region Bank and XXXX XXXX can they help me out with this situation and they both refuse to

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 2021-02-11 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TX

Complaint narrative:
On XX/XX/21, I spoke with XXXX XXXX with TransUnion 's Specialized Fraud Department. I asked about my request for method of verification under FCRA 611 ( a ), he advised me that Transunion will never send my how they verified the dispute because it is all done electronically. I have specifcally been disputing 3 tradelines ( XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) since XXXX. Factual disputes being that date open, payment date, payment history, and balance owed were inconsistent and inaccurate. XXXX never responded and XXXX XXXX XXXX as well as XXXX XXXX XXXX sent me a letter saying the tradelines are verified and belong to me. That's not the problem. How is the information being verified? Transunion 's representative ( XXXX XXXX ) responded and said that isn't their responsibility and that they report what the creditor 's furnish. Creditors can furnish anything, so why would FCRA state " A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information will be provided to the consumer by the agency. This notice will include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such a furnisher, if reasonably available ; ''. Why is Transunion telling me that they don't have to send it 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 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/XXXX I contact XXXX XXXX about a fraudulent bank wire, between my account at XXXX XXXX and Chase Bank for the purchase of XXXX truck in the amount of {$3900.00}. XXXX XXXX replied they will ask Chase Bank to conduct reverse wire transfer and Chase Bank replied it will take 90 days to conduct a fraudulent investigation. On XX/XX/XXXX my bank XXXX called and notfied me that Chase Bank have completed their investigation and fought the transaction was fraudulent but could not return my money do to there were no funds in XXXX XXXX XXXX  account. I ask XXXX XXXX and Chase Bank can they help me out with this situation and they both refuse to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IL

Complaint narrative:
On XX/XX/21 I received an email from Ace Cash Express. They say I owe money, Ive never heard of them before. They threaten me with a law suit and to go to my employer, unless I send them money today!! 
I told them via email that I need to see a validation of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MN

Complaint narrative:
I paid off my mortgage with AmeriHome XX/XX/XXXX, at that time {$1500.00} was remaining in my escrow account at was to be sent to me via check. I called prior to payoff and after to confirm this information as well as reviewed on line. On XX/XX/XXXX AmeriHome mortgage disbursed {$180.00} in mortgage insurance AFTER my account was already paid in full. These funds should not have been disbursed to mortgage insurance they were to be sent to me as the account was PIF, no additional Mortgage insurance should have been paid. I received a check for {$1300.00} in escrow funds, it should have been the full {$1500.00}. I have called no less than 8 times in the past 2 months to try to resolve this matter each time being told different information, including they reached out to Ins to get the funds back, including that the check has already been sent to me, and now XX/XX/XXXX I was told none of these had been done, and that I would need to call insurance and request a refund. That is incorrect, first I have no idea who the mortgage insurance is through, secondly AmeriHome made the error!!! They disbursed funds over a week AFTER my account was PIF. I refinanced with another company, they have already paid any necessary Mortgage Ins. AmeriHome should have sent me a check for {$180.00} immediately upon notice of their mistake, and then worked to recoup the funds THEY SENT IN ERROR from the Mortgage company. It has now been 2 months that they esentially stole {$180.00} from me, so I expect that returned ASAP with interest. I have requested a manger multiple times, transfer around, hung up on, and told tons of conflicting info. I also tried to contact them via there website on the contact us now form and have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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:
I purchased an item from a merchant but they were not responding to my multiple requests to return the item. Finally they sent me the return label and I returned the item but Citi Bank is refusing to credit my account for the returned item. See attachments.

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 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: WA

Complaint narrative:
I opened up an account with XXXX for a purchase of a moped. I stopped receiving notifications of the debt. They turned it over to a collection agency and then covid hit. The day after restrictions were lifted, this company sold the debt. I set up automatic payments with this company. There were taking money out of my account every month. In XXXX, I received a call from XXXX XXXX stating my payment was missed. I double checked my account and it was taken out. They wanted me to make a payment with them over the phone. I assumed this was a scam. I called my bank and they said the money was taken from my account and transferred the payment to XXXX XXXX XXXX. I called the supervisor I set the payments up with. He told me there was something wrong with their system and everything had to be re-entered. He asked that I send him proof of payment, which I did. He told me not to make a payment with anyone that he would fix it and if anything else was needed he would call me back. I even received an email thanking me for the phone call. I never heard back. My co-signer just received notification it was sold to another company and I have not made a payments. I am not sure how they can sell it and try to say I have not been making payments when they were set up automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am submitting this complaint in regards to my commenity bank/express account. Today XX/XX/2021 I was notified that my credit score dropped due to a late payment being reported to the credit reporting companies. This account was not paid late. I had a XXXX  ( XXXX ) balance on this card for quiet some time. However I was notified about 2 months ago that I owed {$8.00}. and change. I contacted XXXX and spoke to them I still do not no till this day why I owed that small amount but I paid it anyway. I was assured from the customer service rep at XXXX  that this account will not be reported late due to this unexplained error. Well today it was reported and I am upset because my score dropped by XXXX points. First of all I paid for something that I didn't even owe I just wanted it cleared up and now it's reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
My wallet was stolen on XX/XX/2021. There were two unauthorized charges at XXXX  on my account with my Chime card. I filed a police report, and was informed that the person was on footage using my card and making the unauthorized transactions. I sent this information to Chime and filed a dispute on XX/XX/2021. On XX/XX/2021, I received an email that my claim had been denied and I would not be receiving my money back, despite all the evidence that the charges were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
On XX/XX/2020, I sent a debt validation letter via certified mail with return receipt to CKS Prime Investments at XXXX XXXX  XXXX XXXX VA XXXX requesting Debt validation. Tracking # XXXX shows it was received and signed for on XX/XX/XXXX, XXXX by XXXX XXXX Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. It has now been well over the allowed 30 days and CKS Prime Investments has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company. THIS DEBT IS NOT MINES.

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