vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: NV

Complaint narrative:
CREDIT MANAGEMENT LP is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$390.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased HVAC systems for {$3300.00} from XXXX XXXX XXXX XXXX on XX/XX/XXXX. During the next few months, I reported malfunction and multiple issues to the vendor but they refused to allow me to return items and issue a refund. I was forced to report to credit card companies : JPMorgan Chase on XX/XX/XXXX for {$3000.00} charged on United Visa card and to XXXX on XX/XX/XXXX for {$310.00} charged to a XXXX Credit Card. After XXXX XXXX full investigation, they resolved the dispute and issued {$310.00} credit on XX/XX/XXXX. JPMorgan Chase continued to deny the dispute after we presented them with a professional inspection and testing report that shows the HVAC systems made by XXXX XXXX XXXX XXXX  do not meet standard heating requirements. We also provided the return tracking and bill of lading that shows the defective HVAC systems were returned and accepted by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, we faxed all supporting documents to JPMorgan Chase United Credit Card dispute department, and on XX/XX/XXXX, a dispute supervisor in their Texas office informed me that JPMorgan Chase continues to deny the dispute and refuses to issue {$3000.00} credit for the returned and defected HVAC  systems. That left me no other choice but to find protection with Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I received a call from XXXX, OH. I had answered and they had asked if it was me ( XXXX XXXX ). I said yes, and they hung up. A week later, I get a notification that a XXXX  account was on my credit report and my XXXX had been compromised ( passwords and usernames exposed, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
I have/had a Visa account with Barclays Bank Delaware since 2009. I have met all of my obligations and have had paid their ridiculous interest rates without complaint. Last fall and this spring they notified me that my account was switching over to a MasterCard account. I did not, nor do I want that to happen. I have business accounts that only take Visa and this is the only Visa account that I have. 
I called Barclays customer service line and explained my issue to several different people. The last being a " manager '' named XXXX  I asked to have my newly switched MasterCard account reverted back to Visa and they said they could not do that due to some cancellation of an agreement with XXXX, XXXX. Furthermore, if I wanted to pursue " opening '' a Visa account I would have to apply for it. 
My position is - I already have an account with them through Visa. Applying for a new one would affect my credit score. XXXX  agreed with me saying it wasn't fair, but still couldn't do anything about it. 
How is a worldwide bank able to switch affiliations with creditors and require that their customers re-apply for credit even though they currently have an open account? They are compounding personal credit issues, which are already beyond comprehension in this country, because of some " agreement '' they have with certain creditors. Seems unfair that I, and I'm guessing several thousands of Americans, are being treated this way and all we can do is take our credit score down by " applying '' for something we already have. The only option that I had was to close the account .... 
XXXX Bless the American Dream! But only if you're an international bank who can XXXX on those dreams of everyday Americans!

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 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2021-06-23 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$390.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2021-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Per the bank 's own instructions, in order to close an account it must have a {$0.00} balance and no incoming transactions for 30 days. To facilitate this, I transferred my remaining balance to a different financial institution and used the available online banking tools to disable the debit card. The online banking site explicitly states " This card is blocked and no further transactions can be made. '' ~30 days later, two transactions are processed for the disabled card. Customer service informed me that because these were " previously authorized '' subscriptions, that disabling the card would not prevent the transactions. The whole POINT of disabling the card is to prevent ANY transaction from being approved - and indeed several other " recurring '' transactions were appropriately declined ( and the merchant then contacted me to update my payment information ). The bank refuses to rectify the situation and instead is blaming me - despite my availing myself of the provided tools to prevent exactly this kind of situation ( and the assurances those tools then provided that all transactions would be prevented after the card is disabled ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: MO

Complaint narrative:
A company named I.Q. Data International , Inc. is telling me that there is interest being charged on my account. They have added nearly XXXX dollars to a debt of XXXX. 

On XX/XX/2021 at around XXXX XXXX  I asked I.Q. Data International , Inc. why I was being charged interest that I had not agreed to. They told me that the " state '' is mandating them to charge interest. I asked them what state was mandating them to charge me interest, they would not name an actual state. They would only say " the state in which the debt was accrued ''. I asked them which state the debt was accrued in, and they refuse to tell me what state. 

My concern is that I am being lied to about a state mandating interest be paid. 

I am also wishing to find out which state is mandating it so I can work with that state to learn more of their policies and options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I made an appointment at XXXX XXXX on XX/XX/20 after listening to an advertisement on the radio. I attended the appointment and filled out paperwork while I waited in the lobby. The receptionist advised me that their company used Care Credit thru Synchrony bank for payment. As I waited for my appointment, the receptionist called one credit card company which I was denied credit and then she called Care Credit. As I sat in the lobby, she provided my personal information over the telephone ; name address, date of birth, and social security number. After overhearing that I had been approved, she handed me the telephone and the person on the other end of the phone confirmed my identity and was told to hand the phone back to the receptionist. I was called to the back room and received an injection into my left knee. I hen was told to bring my credit card ( s ) for the balance due of {$9000.00}. I left the office in pain and called back advising that I would not be returning for any other treatment since I felt worse than I did before the injection. 
When I received the credit card statement, XXXX XXXX had maxed out the balance which was more than the treatment cost on the date of the service. When I complained to Care Credit they advised me that since the paperwork sated " no refunds ''. I owed the entire amount. I advised them that I did not receive {$3000.00}. worth of treatment per their fee sheet that they provided me. I advised them that I would pay the amount of the treatment I received not the maximum amount charged. My bill was never corrected. The receptionist was provided with the credit card number by Care Credit and not the me. I didn't receive the credit card information until I received the physical credit card in the mail and the statement several weeks later. At no time during my visit XXXX XXXX, was I never asked for payment or how II planned to pay for my treatment.

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 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
XXXX allowed unauthorized individuals to open ( 2 ) phones under the accounts 3 or more months after my account was closed. I was verbally told on a number of occasions that the account was closed and I no longer had any financial obligations. A year later in XXXX of XXXX XXXX sent a total of {$1900.00} to a collection firm against my previously closed account. I disputed with XXXX and neither the mailing address or passwords on the account were mine or my residence. I repeated the fraud dispute with XXXX over the period of a year and nearly 40 hours on the phone with XXXX attempting to resolve. XXXX ultimately refused to acknowledge any fraud or errors on said account. I never received a phone call, bill or notification of this account from anyone other than the collections agency who has recently sent me the same fraud dispute process document I've done already went through with XXXX. I was completely mislead by XXXX team in telling me my account was closed and by the XXXX fraud dispute team by determining a account with a passcode I didn't know with a mailing address not belonging to me was my account. It is now XX/XX/XXXX and this debt has been submitted to collections twice under different agencies. I will continue to dispute as the account that was opened was never authorized in the first place.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Please be advised that PNC Bank N.A and other joint tortfeasors have willfully violated the CONSENT ORDER 13-CV 01817 by racketeering or prohibited practices ; specifically creating a fictitious debt and collecting on that fictitious debt instead of providing relief from the rescinded security NOTE gained by predatory lending practices from NATIONAL CITY BANK. 
There has been a fraudulent conversion of the religious consumers family domicile and sanctuary of over 20 years. 
Please be advised that PNC Bank N.A . and their contracted out of state/foreign third-party debt collectors XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. has committed intrinsic fraud on the XXXX XXXX XXXX County courts in violation of local and federal consumer protection laws. 
They also have committed intrinsic fraud in defense of the collateral attack on THE CONSUMER FAMILY TRUST, the U.S. DISTRICT COURT EDNY ( 18-CV 7259 ) and the U.S. APPEALS COURT FOR THE 2nd CIRCUIT ( 20-590 ). 
Please assist according to law and notify any other federal agency applicable to these crimes and tort on the consumer family. 

So, mote it be! 

https : //files.consumerfinance.gov/f/documents/National_City_Bank_-_Consent_Order.pdf

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Due to contracting XXXX in XX/XX/2021, requested forbearance on mortgage from Mr. Cooper. That was granted. The forbearance timeframe was extended twice. During the time of forbearance the following occurred. 

Four full monthly payments were made to keep the total owed at end of forbearance manageable. 
Application made for loan modification one month prior to end of forbearance Spoke with agent XXXX in Texas on XX/XX/2021 requesting status of loan modification based on the fact that the website only stated no payment due amount and that account was with underwriters this had been the case for weeks. I was informed by XXXX to wait for my loan modification paperwork. XX/XX/2021 and the paperwork has not arrived. 
Tried to make payment online on Mr. Cooper website and the website states I can not make payment until the full outstanding account balance is paid. A total of {$19000.00} this is at the time that I am supposed to be filling out documents for a mortgage modification Spoke with agent XXXX in Arizona on XX/XX/2021 @ XXXX XXXX. At that time I was informed that I had to fill in my paperwork for loan modification online within a short timeframe. In addition she claimed that I had been denied a previous loan modification from Mr. Cooper. This is patently false. Mr. Cooper agent asked me in the past if I wanted a loan modification. I would not consent over the telephone and asked for documents to be mailed for me to look over the terms. I never agreed nor did I sign a modification aggreement. 
I have mailed all payments in the full amount of my monthly payment as agreed. When I printed out my payment activity, funds were applied in the amount proposed for the loan modification I never agreed to. The difference was added to unapplied funds. 
I have now been invoiced for the full outstanding balance after forbearance of {$19000.00} I am a senior citizen on a fixed budget that has been continually fending off this mortgage servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I have opened a Binance-US account to buy crypto currency. For unexplained reasons I have not been able to withdraw either XXXX currency or transfer my coins to a wallet for months. I keep getting an error " withdrawals suspended due to risk mitigation. '' I have emailed them on numerous times. I have tweeted them and tried to contact them on XXXX. There is no response. If you go to the r/BinanceUS or r/binance on XXXX you will see XXXX of complaints. No one is able to get through to these people. There is no phone number. If you email more than once they indicate they will push you to the back of their queue. This is concerning. I have tens of thousands and if cryptos go up in price I could be out hundreds of thousands. My current balance as I write this email is XXXX but this was as high as {$40000.00} when prices were higher. I can't withdraw my money. Also, they filled a limit order at market price, forcing me to buy XXXX token at {$46.00} instead of {$30.00}. XXXX token is trading at {$29.00} today. I think they are a scam service and they are ripping people out of thousands and thousands of dollars. I hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I received a notice from Real Time Resolutions , Inc which is dated XX/XX/XXXX, this notice is stating it is collecting a 2nd mortgage which was part of the first mortgage that I received on XX/XX/XXXX, from XXXX  XXXX XXXX. In a letter dated XX/XX/XXXX, I received confirmation of my loan modification for a total of {$390000.00}. In XXXX I borrowed the first mortgage of {$320000.00} recorded on XX/XX/XXXX, as Instrument # XXXX, the second mortgage of {$40000.00} recorded on XX/XX/XXXX, as Instrument # XXXX. Real-Time Resolutions has violated the Rosenthal Act It regulates the conduct of debt collectors. The California statute prohibits numerous deceptive, dishonest, unfair, and unreasonable debt collection practices by debt collectors, and it also regulates the form and content of communications by collectors to debtors and others. They are attempting to collect on a 2nd mortgage which has modified with the first mortgage, In addition, they have violated my rights to notices and monthly billings they are trying to get two bites of the apple. Real-Time Solutions along With XXXX XXXX  XXXX  failed to provide any legal notification of debt in 7 years which is unlawful for either one of them to pursue a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Policy was paid in full in XX/XX/XXXX. 

Received notice from XXXX on XX/XX/XXXX that policy was past due. The letter noted it was going to be turned over to a collection agency. 

Called XXXX and they did an audit of my account. They mailed me a confirmation showing that the policy was paid in full, and that there was no balance due. 

On XX/XX/XXXX I received a letter from a Collection Agency ( Credit Collection Services ) stating that they are collecting on behalf of XXXX for the full balance of the policy, which was already paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
hello, i did a trade in for a used car, but the dealer couldn't sell me the car after the trade in cause of defective airbags issue. I got my car back and didnt do the deal. please delete inquiry and loan from my credit. i never got the car or did the trade in. Thank you!.

Company response to consumer: Closed with explanation