vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: TN

Complaint narrative:
Debt company - Frost Arnett https : //www.frost-arnett.comXXXX First contact was received on XX/XX/XXXX at XXXX XXXX CST. They informed me they were calling to collect a debt of $ 600-ish for medical debt almost 4 years old, i requested a verification of that debt be sent to me before any more communication occurred. They agreed and the call ended. 

Second call was received on XX/XX/XXXX at XXXX CST informing me they were attempting to collect a debt. I stated i had not received the validation of the debt and asked they not contact me until that validation was received. 

Third call was made by me from my work phone the week of XX/XX/XXXX. I had NOT received a validation of the debt and asked for them to send it. They agreed to send one. 

Fourth call was made by me from my work phone the week of XX/XX/XXXX. I had NOT received a validation of the debt and asked for them to send it. They agreed to send one. 

Today is XX/XX/XXXX and i have yet to receive a validation of the debt. I am sending them a formal request via certified mail with receipt request today. Also filing a complain with you because this shady behavior is unacceptable. 

I wish to add that You keep sending Mail to a PO BOX that doesn't work. I keep asking you to send any and all correspondence to XXXX XXXX XXXX XXXX, XXXX TN. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I deposited a check that was endorsed to two parties, and was told I needed verification of the funds. Once verification was received my account was still closed and I was told my accounts remaining balance would be mailed to me. One check for the balance and another for the held funds of {$24000.00}. I was informed it would take 7 business days from XX/XX/2019. I received the funds two weeks later for an amount of XXXX, but I never received my check for XXXX. I have called once more to inquire and was told they could not see that account or any notes on my accounts closure what so ever. It was as if I never had this problem. I have the receipt of my deposit as well. I just want my money, I have been back and forth with the bank the entire month until they finally decided to do called mail everything and I have yet to receive the funds. It is causing financial hardship as I need the money to pay off a loan to lower my monthly DTI and buy my home. This has been a financial hardship on my not only losing my account but that amount of money to be held is absolutely ludicrous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2018 I noticed an unauthorized charge from a XXXX user on my account for {$980.00}. I immediately reported it to chase. They asked me if there were any others so I went over my previous statements in detail. I noticed a charge in XXXX for {$5.00} also from a XXXX user that i did not recognize and was unable to find on my XXXX  account. I let them know about this charge as well. The {$5.00} was refunded to my account right away but the {$980.00} was not because they said they would need time due to the amount. On XX/XX/XXXX {$1900.00} was taken from my account again from a XXXX user which I reported right away. This money was credited to my account after I pleaded with them that I can not continue to pay bills with {$3000.00} missing. During this call I followed up with my original complaint and was told it was being processed. On XX/XX/2018 I called to follow up on the XX/XX/XXXX charge again and was told that since it was beyond 60 days from another reported charge it can not be credited. I looked over the guidelines on your website and see the note that I may be liable but I also see that it states the following " In order to hold you responsible for those transactions, your bank or credit union would have to show that if you notified them before the end of the 60-day period, the transactions would not have occurred. 

Now since this did in fact happen AGAIN on XX/XX/XXXX from the same exact user that took the money on XX/XX/XXXX, after being reported immediately, doesn't this show that they did nothing to prevent it from happening again?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
According to my understanding of the promotional offers of the credit card, users were allowed " up to {$100.00} '' back for purchasing TSA Pre Check or Global Entry. We have 2 users, and each bought a the TSA Pre check ( valued at {$85.00} ) and would not have bought TSA Pre Check unless we thought we were to be reimbursed. Our understanding was that we would be reimbursed 2 times {$85.00}, or {$170.00}. However, we were only reimbursed a single {$85.00}. On Sunday XX/XX/XXXX, I contacted Chase about the Sapphire Reserve Credit card and asked them why I was not rewarded the additional {$85.00}, they said that they only redeemed " one '' purchase of either TSA Pre OR Global entry per credit card and only up to the amount of the single purchase and not total purchase for all users on the credit card. They told me there was nothing they could do. 

Our main dispute is that the wording in their promotional document ( attached ) is unclear. The document says that we are allowed up to {$100.00} for TSA Pre or Global Entry. It does not make clear that it is ONLY {$85.00} for TSA Pre or {$100.00} for Global Entry. In addition the document does not outline or define " account '' which we fairly understood to mean " user ''. Upon very close inspection of the document, I was unclear what either of the term meant, and the document led me to believe that each user on the card would be reimbursed. 

Finally, this concerns us because we opened up the card after very careful consideration of the costs and benefits, and the extra {$85.00} changes our math. We are now concerned that if we had know this, we would not have gotten the card or TSA Pre, and now we are stuck with the card and its costs. To add to that, the annual cost of a 2nd user on the card is {$75.00}, and we thought that this would afford all the benefits to the second user as the first user. Now we are unsure what adding a second user to the card affords us, and are concerned that we are effectively out a {$75.00} second user fee + {$85.00} TSA Pre change totaling {$160.00} annually.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
A dispute letter was sent to the following three credit bureaus, XXXX, XXXX and XXXX for the company Portfolio Recovery Associates on XX/XX/XXXX. The results of the dispute did not fix the error on any of my credit reports. The account is still reported as opened in XX/XX/XXXX and remains open and the original creditor, XXXX XXXX, does not show on my credit report, nor reporting any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: DE

Complaint narrative:
Fay Servicing , LLC ( Fay Servicing ) is under CFPB Consent Order File Number XXXX-XXXX-XXXX to abide by Loss Mitigation federal and state laws.XX/XX/XXXX Fay Servicing extended an offer to discuss foreclosure prevention alternatives. XX/XX/XXXX Fay Servicing confirmed my RMA  ( request for mortgage assistance ) application was received and under review by its underwriting department. XX/XX/XXXX XXXX XXXX XXXX XXXX representing Fay Servicing at Delaware Superior Court Case No. XXXX-XXXX-XXXX filed among other things for default judgment for foreclosure - hearing is scheduled for XX/XX/XXXX at XXXX. During loss mitigation my loan was transferred from XXXX XXXX to Fay Servicing on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: VA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 90 days past due on XXXX  XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
On XX/XX/XXXX I went into the Zions Bank XXXX XXXX XXXX Branch located at XXXX XXXX. There I met with XXXX XXXX ( Branch Manager ) to apply for the Zions Bank Amazing Cash Credit Card. The card promotion was if you spent {$7500.00} in 90 days you would receive a {$1000.00} cash back bonus. 
I checked with MsXXXX XXXX to make sure I was eligible for the promotion before applying and getting approved on that day. She confirmed that I would be eligible for the offer. 

I met the terms and conditions of the promotion, but I did not receive the bonus in my account after several months. I called the Zions Bank Customer Service Department at XXXX and was told I was not eligible for that promotion because I had previously had a similar card. 

I went into the branch to talk with Ms. XXXX who was surprised that I had not received the bonus and was confused why I was being told that I was ineligible. She called the VISA promotion office to confirm that I had met the terms and explained to them that when she had been trained on the specifics of this offer there was no mention of restrictions on not being eligible because of a similar card we had previously. They indicated theyd look further into the issue. 

I followed up a week later and she had received no response concerning a follow-up email she had sent the Visa Card Promotion office. She said she would send another email. I  followed up a week later and she had not received any response yet again. 

I felt like I was getting the run around. At this point I asked for copies of the documents we signed indicating this stipulation or I would have to file a complaint with the CFPB. She said she would call and get in touch with someone at the Visa Promotion Office and get back to me that day. 

When she called back she said I WAS eligible but that Visa had 90 days from the time the promotion ended to pay the bonus and that I should see the money in my account no later than XX/XX/XXXX. 

As of XX/XX/XXXX, the bonus has not posted to my account and after months of calling, going into the branch and waiting I feel like I have done my due diligence in dealing directly with Zions Bank on this matter. In good faith I signed up for this credit card, met the terms and conditions Zions Bank provided me to receive this bonus, and have exhausted other options in resolving this 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 monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Rushmore Loan management has illegally charged my Escrow account {$1600.00} in premium for a eight months insurance coverage and has denied to refund that amount. My condo has been insured always from the XXXX XXXX XXXX, they added coverage overlapping insurance coverage already in place and continues to answer that they can do it at will from the mortgage contract. The mortgage contract is clear that they shall not change insurance waivers unresonably.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: VA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 90 days past due on XXXX XXXX  XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-25 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: IN

Complaint narrative:
I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/2019, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: GA

Complaint narrative:
I received an alert on my account in regards to this collection that doesn't belong to me. i want to see a signed contract with my name on 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 explanation
Consumer complaint received 2019-04-25 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: The Outsource Group, Inc
State: MO

Complaint narrative:
Several Accounts opened without my permission XXXX   {$3200.00} XXXX XXXX ( 4 ) Amounts {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX {$330.00} INQUIRIES : XXXX XXXX Credit U Inquiry from XX/XX/XXXX XXXX XXXX Payday Ln Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX 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 2019-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I contacted equifax trying to get the fraud alert off my account and the lady was very unprofessional and wouldnt let me speak to an American rep. And told me I need to mail in documentation but wouldnt tell me what documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: Synovus Bank
State: IL

Complaint narrative:
My complaint is with XXXX XXXX XXXX XXXX XXXX. I have reached out to them on several occasions including today XX/XX/2019. Previously, I have spoken with the Fraud department and informed them that I am a victim of Identity theft, and the young lady I spoke with provided me with a fax number and at the time I faxed a copy of a police report and I also forwarded that same police report to all of the three major credit bureaus. And on the call with the rep from the fraud department from XXXX XXXX she stated that this was going to be removed from all credit bureaus. Here is it almost 6 months later and this same account is reporting. In fact they changed the status to closed, but its still on my report. On today I called First progress and spoke to a rep in the Fraud Department Named XXXX he would not provide me a agent ID # or a lastname. I then informed him of the situation and he stated that he did see that I called several times and he asked nothing was done on my behalf and I told him no! I told him that I will be emailing the CEO of the Company as I have done all that I can do I have faxed over documents and made several calls. He was able to see all the calls I have made, he took my number and stated someone would call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
Caliber Home Loans Foreclosed On Me and My Wife XXXX, XXXX XXXX They Won the Foreclosure!! However We Won a Judgement of XXXX Dollars Against XXXX XXXX XXXX Which was Our Credit Life and Disability Insurance Provider and as I Became XXXX They Denied My Claims But in Court They Lost Which Honorable Judge XXXX XXXX Awarded Me XXXX Calibers Attorney XXXX XXXX from XXXX, XXXX and XXXX XXXX XXXX in XXXX Ohio Agreed to a Stay UNTIL My Award was Collected and I Have Been Receiving Harrasing Phone Calls Morning Noon and Night I Have Asked Them to STOP Told Them The Attorneys Names and Numbers to Contact Them and They Continue to Harass Me and My Wife All Hours of the Night and Day if Something Dont STOP THEM I WILL Once and For All!!!!!!!

Company response to consumer: Closed with explanation