vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: OK

Complaint narrative:
I received a phone calls from someone's personal cell phone who refuses to leave a message but is calling about my mortgage. I also received a threatening letter dated XX/XX/XXXX from TMS The Money Source saying that my XXXX mortgage payment was due XX/XX/2020 and " the total amount due on your monthly mortgage is {$2300.00}. This includes a late fee balance of {$1300.00}. '' First of all, the mortgage company is trying to capitalize on a common misconception. While the grace period is 15 days before a late fee is added, I have 30 days to pay the month 's mortgage for XXXX ( {$970.00} ) before they may report to the credit bureaus and take adverse action. And I have already scheduled the XXXX payment for XX/XX/XXXX. 

Secondly, TMS 's online payment system allows me not to include late fees in my monthly payment. 

Third, I have requested from the mortgage company to waive the late fees due to economic impact from COVID-19, and they have refused to do so. 

Instead, they are abusing their costumers who have been impacted economically. 

I want the late fees waived, the phone calls ended, and the threatening letters to stop, or I will contact the local news and my district representative XXXX XXXX. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience with this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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 have sent in multiple letters over the past two years addressing the issue of identity theft and it seems like i always get a contradicting computer generated response to my questions, concerns and issues i am addressing.It seems as if the bureaus are trying to go around the FCRA and creating unnecessary work for themselves for example, the last letter received stated that the info on my report would not be blocked, instead Equifax would contact each creditor directly which is something i didn't ask, to then turn around in the same letter and say they could not verify my identity and could not locate a credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: NY

Complaint narrative:
I am a customer of Citi Bank. I had an unknown charges from XXXX ( {$1900.00} and {$600.00} ) on XX/XX/XXXX on my checking account. I received a text message alert from my bank with these charges and called Citi immediately to advise them that these charges were fraudulent, not authorized, and should be reversed. I took action within minutes of this charge. I have the texts and call logs to prove both and have attached them. 

The initial text which appeared to be from Citi Bank ( as I frequently receive such texts form Citi ) asked me to unlock my account. Against my knowledge that in turn triggered the XXXX transaction. I realized the inaccuracy right away and called Citi Bank right away. They however have decided to not protect by funds even though I did everything that was necessary to prevent his from happening. I often receive auto texts to approve individual charges/activity from unknown sources as risk mitigation. I did not receive these alerts from Citi. They will also often hold lesser charges to validate them but did not choose to do so in this case even though it was my first transaction with XXXX. 

For clarity, the initial scam text came in at XXXX XXXX, at XXXX and XXXX XXXX  I received notification from Citi of these 2 charges, and at XXXX I called Citi Bank to advise them of the fraud. I did what was necessary to mitigate the fraud however Citi Bank has not. 

Under the standard definition of fraud, someone has gained access to your bank account and made a payment without your permission and if you weren't involved in any way, this is deemed as fraud. If this unauthorized activity is is immediately reported to your financial institution, you are typically able to get your money back after reporting the incident. 

Under Reg E ( Electronic Funds Transfer Act ) I have legal rights to be protected from fraud and scammers. 

Unfortunately this did not play out as it should have and I am turning to you to ensure this is handled lawfully. I appreciate your review of 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 explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I am totally getting tired of the lies and this premature back and forth. You are responding to a federal institution, the CFPB, making absolutely false statements without providing any documents to back your fraudulent claims. 
Attached is a document that showed that the last time I did any business with XXXX was back in XXXX. Unless you can provide a contractual agreement SIGNED by me on XX/XX/XXXX, you are knowingly providing false statement to the CFPB. You are also, perhaps, knowingly re-aging an account and must I remind you that is illegal and against federal law. 
In response to complaint number XXXX, you claimed that you made no communication attempts regarding this account since XX/XX/XXXX. That too is a lie and attached is a document that proves otherwise. Contacting me during the validation phase of an allege account was illegal and showcases your total disregard of the law. 
Hence, since you have chosen to engage in illegal business practices and making false statements to the CFPB, I am bringing it to your attention that all of our communications and documents I have will be forwarded to the FTC and the office of the Attorney General of Missouri.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK
State: CA

Complaint narrative:
I found out that my East West bank account was closed on XX/XX/2020. I contacted customer service on the same day and asked me to provide another XXXX XXXX  account with {$3300.00} in it. I transferred the money inside, but I have not transferred the money in the past 13 days. I have contacted East West Bank customer service many times, and I said that I will transfer the money soon.

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 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On my XX/XX/2020 statement, a late fee of {$27.00} was refunded, and Synchrony Bank services was supposed to remove associated interest as well. They forgot to remove it. 
As a result - the following fees have accrued - and Synchrony Bank must refund them. 

Additionally - Synchrony Bank must correct their reporting to various Credit Agencies ( XXXX, XXXX, XXXX  ) from delinquent to normal. 

XX/XX/2020 {$4.00} XX/XX/2020 {$1.00} XX/XX/2020 {$7.00} XX/XX/2020 {$1.00} Total {$15.00}

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 2020-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: KY

Complaint narrative:
I placed an order with XXXX. XXXX transactions go thru telecheck. They are both telling me different stories about my purchase that was COMFIRMED and has not been received. Please see the ( PROOF ) images i have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
I dont recall when but I went to XXXX XXXX XXXX in XXXX nj with stomach pain. Upon, y arrival the doctor told me he would like to do an XXXX. I said I can not afford out of pocket costs with my insurance because it is extremely limited. The cost of my weekly deduction was XXXX dollars. It is now XXXX dollars. For one person. A bare bones plan my job offers simply to avoid the fee they would be required to pay if they did not offer it. The doctor office and my insurance company both said the procedure would cost me XXXX dollars out of pocket as long as I did it in the doctors facility. If there was anything else there would be a small fee I would be billed for. Again I asked numerous times if every person involved accepted my insurance to which I was told yes. About 4 weeks later I received a bill for over XXXX dollars. This is not a small fee. The anesthesiologist did not accept my health insurance as I was previously told they did. It was sent to waterfall revenue group. I told this doctors office before I went for this procedure I couldnt not afford a large bill with my XXXX dollar a month rent bill and a XXXX girlfriend. So it went to collection. XXXX  agreed with my dispute and removed it from my credit profile. Now this company waterfall revenue group has opted to drop it onto my XXXX report causing my score to drop 40 points in one day. The doctors office lied to me. New Jersey has a no  surprise bill law. This bill is the biggest surprise Ive ever gotten.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: AZ

Complaint narrative:
This was a case of fraud that was committed in the XXXX, TX Office Depot, according to the receipts from my online account. ( I am in XXXX, AZ. ) The problem is, I had no idea when the fraud occurred until much later because I rarely used this Office Depot Business credit card. I certainly do not lend it out, and it was never lost or stolen. I had no reason to check my account to see what I owed, but I suddenly got a " bill due '' email and to my shock it was for over {$600.00}! 
I have been going around in circles with Office Depot which allowed someone to use my card number 3 times in one day to purchase pens and what looks to be 3  {$200.00} gift cards in XXXX different orders on the same day. ( They say " Mastercard {$200.00} Item #  XXXX ''. I tried looking this item up on their website, and it says, " Item is Currently Not Available ''. ) Why wasn't the employee that rung these up just a little bit suspicious? An out-of-state account, either just a number or a fake card, I don't understand how this was even rung up. I had my card the whole time, so they couldn't have had the real one!

Office Depot canceled my old card but wouldn't do anything because I didn't report it in a timely manner. They kept sending me emails of owing this $ XXXX   bill on the old canceled card. I called yet again, and they apparently had closed the case since I didn't respond in time. ( Another problem was we just moved and the address changed! ) They said they  would reopen the case, and I should report it with local police where it happened. I am in XXXX, AZ and the fraud occurred in Texas, so I filed an online report with the XXXX police where it happened. The Office Depot Credit Card people also said I should send my info to the credit bureaus and the FTC, so that is what I am doing.

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 2020-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a loan with chase auto and was in a car accident the car was totaled and my insurance company XXXX told me not to make the payments because they were going to pay the car off but it took them 3 months to do it but I kept following up with both XXXX and chase but some how they are reporting it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: MD

Complaint narrative:
Online Collection Services has six collections posted on my credit card with 5 accounts for the same amount of {$740.00} and 1 account in the amount of {$1400.00} totaling an amount of {$5100.00}. I have never received written notification of this debt nor recognize the company they are claiming to collect for ( XXXX XXXX XXXX  XXXX ) as XXXX did not yield any results. I will also need a copy of the contract that I signed to receive service from the company they are claiming to collect for as well as an itemized bill of service. According to HIPPA law, my medical information should be confidential and I dont understand how they would be able to produce this without my consent. 

This collection agency has not given me a chance to dispute the debt by not rightfully giving me written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Sending legal documents falsifying an out dated/time to respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
recently pulled a copy of my credit report and noticed accounts that did not belong to me .please remove these accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2020 I sent in a dispute. And on XX/XX/2020 it was finished. With no explanation of how this was verified. The item was paid by insurance. I would like this item reinvestigated and taken off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: AZ

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX/ From original Creditor XXXX  placed a collection on my TransUnion report for {$490.00} ( They reduced it later to {$490.00} ) This Collection is not accurate for 2 reasons : 1. I had an account with XXXX  which I terminated XX/XX/XXXX after a 6 month agreement I completed. They tried to continue to charge me saying I had a one year agreement which is false, for which I disputed and got my money back from my XXXX XXXX Account. 
2. This account is violating my rights under the Statue of limitations because it was wrongfully reported as a new collection on XX/XX/XXXX when this was an account closed XX/XX/XXXX ( 7years prior ) which will make it now 8 years old for which even if it was a legitimate collection ( which is not the case ) it will be removed because it is 8 yrs old. 

I disputed the above collection to TransUnion and on XX/XX/XXXX they reported as investigation results that it was verified as accurate and that it will not be removed until 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 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In early XXXX late XX/XX/2019 I had closed my secured credit account with the help of an USAA teammember. This was during the California fires and the secured card which was connected to a CD that was already done. She said lets close this and see if you have any refund that can help you get your funds back from your deposits. She said that it was nothing extra so she just closed the account and offered other services. I didnt owe them anything because it was always based on my deposit amount.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
On XX/XX/XXXX my USAA checking and savings account was hacked and {$400.00} was taken out via a XXXX transaction. The individual also attempted to open a credit card in our name but was denied. We discovered the issue within hours and called USAA to report it. The next day I was sent a message saying that no fraudulent activity was discovered and my claim was denied. I called back and asked for more information but was told I would have to have the fraud analyst call me within 3-5 business days. I never received a call and everytime I call USAA back they cant explain why no one has called me back and they tell they will resubmit the request and to wait another 3-5 business days. We have never used XXXX with USAA and did not authorize the transfer or attempt to open a credit card. 

As of XX/XX/XXXX we have no explanation of why the claim was denied and no recourse to take with USAA. The electronic fund transfer act clearly states that we are not liable for the loss of these funds. USAA will not explain their decision to us so far.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27 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: MD

Complaint narrative:
recently pulled a copy of my credit report and noticed accounts that did not belong to me .please remove these accounts

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 2020-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CADENCE BANCORPORATION
State: TX

Complaint narrative:
On XX/XX/2020, I immediately applied for line of credit, PPP, sba loans, grants and any money I could access since I had to close my XXXX XXXX   of 15 years, I hoped for only a few months. I help consignors, communities, XXXX patients, elderly, battered women, children shelters and the Endangered monarch butterflies showing and assisting women how they can start over in life. I have received NO help whatsoever. Please, someone help us. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: NE

Complaint narrative:
A collection account was removed from my credit report from XXXX XXXX. My credit score should have increased by at least 23 points. However, my credit score decrease by 8 points.

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 2020-05-27 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: NC

Complaint narrative:
OnXX/XX/2020 I sent in a dispute. And on XX/XX/2020 it was finished. With no explanation of how this was verified. The item was paid by insurance. I would like this item reinvestigated and taken off my credit.

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 2020-05-27 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: NC

Complaint narrative:
On XX/XX/2020 I sent in a dispute. And on XX/XX/2020 it was finished. With no explanation of how this was verified. The item was paid by insurance. I would like this item reinvestigated and taken off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: NE

Complaint narrative:
A collection account was removed from my credit report from XXXX XXXX XXXX. My credit score only increase by 5 points. My credit score should have increased by at least 23 points.

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