vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First National Collection Bureau, Inc.
State: TN

Complaint narrative:
I have been threatened and cursed at by both the credit card company and the collection agency. Since having to deal with this rude behavior I want this account deleted from my report or an offer of 75 % of the payment along with a deletion of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: IN

Complaint narrative:
In XXXX of 2020 a collection agency by the name of National Credit Adjusters aka NCA was inserted into my credit file without giving notice of the insertion or right to dispute. I initiated a dispute with the company with letter dated XX/XX/2020 which arrived at destination XX/XX/2020 and the account has not been marked as being in dispute via my XXXX, XXXX, or XXXX  credit file. My dispute reason is the validity of the amount they are attempting to collect with supporting documentation bearing my signature that I owe them {$520.00}. I must receive documentation bearing my signature verifying the debt or immediately remove this record from all credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have been in XXXX for over five years i came out and started to receive collection notices from different companies i filled a police report and sent it in with my dispute info to all 3 credit agency they all did what they were supposed to do except for XXXX XXXX they refused to remove the hard inquiry that were on my file some as recent as today i sent them the police report i filled with all fraudulent account numbers and all fraudulent inquiry they removed the actual accounts but not the inquiries this makes no sense they were all listed in my police report with dates and all they did not give me a reason why when i call them i have to speak to one person whom is in charge of my file and he speaks no English i cant understand him i kindly have asked him many times to transfer me to a different operator that i can understand and they refuse i have written by hand to 19 companies with a copy of police report attached showing this is all done in identity theft and sent them a police they have yet to respond these are all the inquiry that are fraudulent and done by id theft as stated with dates in my police report the only one that was not stated was the one with XXXX done today because i XXXX  received the police report back these are all fraudulent i never authorized any of these inquiry nor did i receive any goods and or services XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry  from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2020-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I wanted to refinance our home with the same company NewRez for the same property address. We started the process for refinance in XXXX of XXXX by XXXX XXXX XXXX loan officer. The appraisal was done on XX/XX/2020 with loan number XXXX. XXXX XXXX rewrote the refinance loan documents four times. In XX/XX/2020 the documents went to the processor XXXX XXXX. She was working on a special CEMA mortgage tax document. This document was designed to save on the mortgage tax that was already paid on our property.. She had me sign closing documents electronically for the closing that was to take place on XXXX XXXX, and a payout date of XX/XX/2020 on loan number XXXX. She also told me to stop the automatic withdraws out of my checking account for the XXXX Mortgage payment on the old loan and I would not have to pay it because she said we were closing and this was already calculated in the payoff. Then I found out that XXXX XXXX left the company. .Documents go to XXXX XXXX , another processor in late XXXX. She sends to underwriting and she told me that we will close in XXXX. Then I find after I call XXXX she tells me that this loan is not a priority and it was put on the back burner.. In XXXX the documents were sent to XXXX XXXX She tells me that the appraisal is expired and we need a new one and the rate lock of XXXX is also expired and will not be honored. XXXX is charging me for another appraisal and increases the closing cost from XXXX to over XXXX dollars and we are not closing for at least another twenty days bringing us to the middle of XXXX, and of course we have not closed as promised. According to the XXXX  what NewRez did to me is a crime.. Which includes : violation of trust, misrepresentation of product or service, fraud, deceit and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: WI

Complaint narrative:
So this originally started with an unpaid bill to XXXX cable company supposedly on XX/XX/2018. I 100 % know this to be inncorrect and could not possibly be from myself because I was in jail at the time of this apparent bill. Since learning of this fraudulent debt I have tried to communicate directly with waypoint resource group. Which is the debt collection agency/company who have taken the debt collection over from XXXX. I have tried calling and emailing them, but I have had no luck from either method. Also, their phone number doesn't even work anymore. I then went through the process of filing a credit report dispute which got denied however I was unaware that I needed to send my reason and documentation for how I knew this wasn't me. Which is why I suspect they turned down my request. Cause I didn't include the fact that I was locked up at the time or that I thought it was due to identity theft that this action occurred. I am almost 3 years clean and have been working very hard to get my life back in order. The one thing that is left is getting my credit score and report in order so that I can have a credit card and apply for loans since I intend to go back to school and also eventually buy a house. I would appreciate any and all help in this matter. Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: MD

Complaint narrative:
I sent TranUnion my FTC Identity Theft report showing that inquiries that were placed on my credit file was not authorized by me. TransUnion removed most but failed to remove the following : XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX. XX/XX/XXXX & XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I sent in report, spoke to a representative via Phone Call to TransUnion who was unable to help me remove these item off of my credit report, even though I sent via certified mail all supporting documents needed. 

Also I'am requesting the removal of the following Collection off of my credit file due to Identity Theft : XXXX XXXX  {$920.00} -- I have sent in supporting documents to show errors and nothing has been removed or deleted, It comes back verified. I'm asking for a signed copy with my signature stating I have a contract with this company. TransUnion on many occassion have failed to provide me with proof other then E-Oscar that they have a signed original signature contract with this 3rd party collection company. 
XXXX XXXX {$910.00} -- -I have sent in supporting documents to show errors and nothing has been removed or deleted, It comes back verified. I'm asking for a signed copy with my signature stating I have a contract with this company. TransUnion on many occassion have failed to provide me with proof other then E-Oscar that they have a signed original signature contract with this 3rd party collection company. 
XXXX {$200.00} -- -I have sent in supporting documents to show errors and nothing has been removed or deleted, It comes back verified. I'm asking for a signed copy with my signature stating I have a contract with this company. TransUnion on many occassion have failed to provide me with proof other then E-Oscar that they have a signed original signature contract with this 3rd party collection company

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 2020-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I order a product from XXXX XXXX  {$39.00}. When the product arrived it looked cheap so I returned the item. A month later I get a bill for the item. I called the company and ask if they received the item and they said yes. I said then what am I getting billed for and she said restocking charge.This has been on my credit report for two years and needs to come off because I dont owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Reference : Harvard Collection # XXXX {$780.00} On XX/XX/XXXX, I applied for an apartment and was told I had negative collections on my credit files. I was not aware of any collections and contact the credit bureaus XXXX, XXXX  and XXXX  and advised that the account do not belong to me, nor had I ever been notified about any past due account with this company. All three bureaus came back with the account had been verified. I was never contacted by any one nor can they validate that the accounts belong to me. 
I am waiting for some kind of documentation from the creditor so that I can dispute the debt, but as of today XX/XX/XXXX, have not been contacted in writing. 

XXXX XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP
State: NY

Complaint narrative:
on XXXX XXXX a withdrawal of XXXX was taken out plus XXXX fee charge the next day XXXX, XX/XX/XXXXa withdrawal of XXXX was taken out my account twice the same day i called keybank and file a complaint and they said i would recieve a letter in mail and the denied me of refunding my money cuz they saying i was taking this money the last transaction i took out of my account was XXXX XXXX of XXXX and i have that recipt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
Reference : ARS ( ACCOUNT RESOLUTION SERVICE ) - {$470.00} On XX/XX/XXXX, I applied for an apartment and was told I had negative collections on my credit files. I was not aware of any collections and contact the credit bureaus XXXX, XXXX  and XXXX  and advised that the account do not belong to me, nor had I ever been notified about any past due account with this company. All three bureaus came back with the account had been verified. I was never contacted by any one nor can they validate that the accounts belong to me. 
I am waiting for some kind of documentation from the creditor or collection agency, so that I can dispute the debt, but as of today XX/XX/XXXX, have not been contacted in writing and it has been thirty ( 30 ) days, since I disputed the entries on my credit files. 

Thank you XXXX 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 2020-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have worked in financial systems and data Integrity for a large Banks over a XXXX period of my career and I am disgusted with what Chase Bank has done over the course of the last 15 years. Most importantly right now is there algorithm which is in violation of truth-in-lending especially for small businesses during Coronavirus. My problems are very very detailed with fraud in direct Financial negativity to my personal and businesses and accounts and lines of credit in excess of {$26000.00} between two cards one being chase XXXX unlimited and the chase XXXX program that is known for many issues and legal problems my credit was in good standing with no revolving balances with a very good history and all of my businesses since XXXX wear with Chase Bank they have fraudulently taken thousands of dollars for me reported my credit incorrectly and shut it off during a time when they should have not and all kinds of other illegal activities over the course of my relationships with them they're also withholding data and I know by law that they have to have at least seven years of data on file which is my right. 

I have tried to reconcile this with them financially and they have not come to terms their dispute process is one of failure and continued lies and inaccuracies in fact Never follow up on cases and use a blanket term that many Industries do called the back-office which in fact is nothing I am old thousands of dollars and it is ruined my small business and I will be reconciling everything to the XXXX in this is a formal complaint to do so and take action and litigation against the bank as a consumer and maybe as a consumer advocate please advise what to do again this is signed electronically and dated by my voice at XXXX XXXX Central Standard Time on Sunday XX/XX/XXXX you can reach me at XXXX please help and thank you for the service I hope it does help others get through this if we can't trust their banks at this point what do we have left? XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Loan Number XXXX was paid off on XX/XX/20 and then was transferred to newrez Loan XXXX for servicing, and then newrez ( who does not have my auth to auto debit from my account ) processed a debit {$580.00} to pay on a loan that has already been paid off. I contacted them and was basically laughed at and made to feel like I was at fault. This is criminal and NewRez gave me the runaround and told me it was legal and that they would continue to debit my account. even though I have proof the house was sold and loan was paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CARD Corporation
State: MA

Complaint narrative:
I had transactions that were made on my card.com debit card that I never authorized or benefited from and the person XXXX XXXX admitted that he stole my card and made the fraudulent transactions and hes now in jail because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
On XX/XX/XXXX, I upgraded my XXXX XXXX XXXX to the XXXX XXXX which would have closed my current loan with Citizens One for my XXXX  and opened a new loan for the XXXX. When I received the product I decided that I did not want to upgrade and I wanted to wait until the newest phone came out so I returned the XXXX XXXX that I received and got confirmation that the phone had been fully returned and was received at their warehouse. I called Citizens One to let them know and they told me that it usually takes a few weeks for the loan to be cancelled and my current loan to be taken off of a " Hold Status '' and put back into normal payment status so I could continue to make the payments until the new phone came out. I checked back in at the end of XXXX and the loan was still on hold, I called both XXXX and Citizens one about this issue and they both said it could take up to 60 days for everything to go back to normal. I checked again in early XXXX and again saw the loan still on hold and no payments had been taken for my current loan for my XXXX XXXX XXXX that i still had. I called Citizens One again and they again told me it was an XXXX issue and that their back office hadn't sent them information to let them know that the phone had been returned and my current loan to be resumed. However, the loan that was opened for the XXXX was CLOSED and showed the refund to XXXX so I asked why this wasn't good enough to show that the phone had been returned and no one could answer my questions. I conference called Citizens One with an XXXX support specialist and the billing specialist that we were speaking to at Citizen 's One was rude and could not give us any information as to how XXXX normally goes about correcting this information and she said that we would have to figure it out on our own because it was not her job to fix XXXX XXXX mistakes. This has been going on for almost 5 full months and I am very frustrated as NO ONE from either XXXX or Citizens One can help me figure out how to correct this issue. I am filing this complaint because they are withholding my ability to make payments on the current loan I hold because of their back office communication problems. The attached documents show that the new XXXX loan number on the original invoice from my purchase is no longer open - as it has been paid off ( because the phone was returned ). There is the confirmation of receipt of return and a screenshot of my Citizens One online account showing my loan is STILL in " Hold '' Status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA
State: VA

Complaint narrative:
I have two student loan accounts open with Fed Loan Servicing in XXXX, PA. The problem at hand occurred in XX/XX/XXXX - XX/XX/XXXX. I had graduated from my university and no longer had access to my .XXXX  email account. For some reason, Fed Loan Servicing was only sending my bill to the .XXXX  email address, even though they had my mailing address AND personal email address on file. I didn't notice until XXXX of XXXX that my account was overdue and marked delinquent from no payments from XX/XX/XXXX until XX/XX/XXXX, for 2 accounts, which would equal 16 late payments in total. Upon contacting Fed Loan Servicing, they provided me no resolution and told me nothing could be done except for me paying the overdue accounts, which I did immediately. This practice is extremely unfair and has brought down my credit score significantly, for a problem with this Federal Servicing agency, that is taking advantage of students by not communicating or providing notification through the proper channels for payment and billing. The fact that it took me 6 months to realize my account was overdue by pulling my credit is very alarming. I could only imagine how many others have faced similar problems with this agency. I have started formal disputes with credit score agencies as well, but have received no resolution on these matter as my credit still stands and these late payments will tarnish my credit score for long-term and prevent me from buying a home. I am not receiving and help or solutions from this Federal Loan Servicing department, nor the major credit unions on my dispute to get my credit score fixed so i can move forward. I could even pay off all the accounts in full today, so it's unfortunate that I have to suffer because of a systemic issue of this Federal student loan agency from years ago that made a big mistake and refuses to take the action necessary to make it right for someone to move on in their future and purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
Mortgage was paid off on XX/XX/2020. As of this date, Loancare has not sent the lien release to the County probate office for recording. Alabama statute requires the lien release be sent within 30 days after payoff. I have contacted Loancare 3 times to get a status but every time I called, I was given a different answer. Twice, I was placed on hold for over 10 minutes then cutoff.

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