vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Chase Credit Card Division Customer Service informing them that this would be the last month they could deduct a payment from my XXXX XXXX XXXX account. I  told them that beginning XX/XX/XXXX, they would be in Debt Consolidation under my attorney XXXX XXXX XXXX. 
Chase chose to ignore my letter and took three payments out of my checking account with XXXX XXXX XXXX. I reported this to my bank with supporting documents and Chase denied knowing they were in Debt Consolidation. This is After receipt of my letter and my lawyer placing them in the program. 
XXXX XXXX XXXX gave me a temporary credit but took it back because Chase stated they knew nothing about being in Debt Consolidation which is just crazy. I mailed a letter and called them in reference to this matter. Now Chase is refusing to refund my money even though they have been in Debt Consolidation since the beginning of the year. I am a senior citizen on a fixed budget and have suffered greatly from this whole situation. I would Never do business with Chase again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: CA

Complaint narrative:
I am a victim of identity theft and have been fighting this for several months now.

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 2020-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX of XX/XX/XXXX I visited the Citi Bank Branch located in XXXX XXXX XXXX XXXX XXXX XXXX CA i attempted to withdraw funds from my bank account and I was told by the clerk that he needed manager override for the transaction. After speaking to the floor manager and still unable to accomplish my transaction, I was then transferred to speak to the branch manager. After a long time of trying to get this done, he then told me that there was a fraud alert in the account placed by the fraud department, to call him directly to the branch in 2 hours and XXXX  be able to help me. After waiting for 2 hours I called back and my calls werent answered by anyone so I was transferred to customer service, who advised me to return to the branch and have the manager call back because the fraud alert was placed by the branch manager. I was given a phone number to have the manager call, so I returned to the branch waited an hour to speak to the branch manager, and when I spoke to him he lied again and said he didnt place the fraud alert. After telling him multiple times to call the number I was told to have him call, he refused in many ovations until I started recording him with my cellular device, he then proceeded to call the number however I saw him call a different number. He called a different branch who I heard them refer him back to the number I was given originally and for some reason he kept trying to avoid calling, the number is XXXX option XXXX. After hours of arguing and complaining he told me he was going to override the fraud alert which than he denied cause he said he couldnt do it it was out of his reach, nothing was able to be done for me I had to leave with no money all he told me was that I will have to wait for 30 to 60 days but most likely in 2 weeks Ill have my money he said. I left and been waiting since than after two weeks I called Citi bank again, I was told by a rep to visit my local Citi bank and have them call the same number. After multiple calls and attempts to resolve both in person and on the phone today Friday XX/XX/XXXX I visited the XXXX NJ branch and was something else by the branch manager at this location. Now he said my account was closed the XX/XX/XXXX so I would have to wait 60 days to get my funds out of the account, these almost all my funds and they have been frozen for over a month now there is a pandemic going on I had to move and I was delayed due to this situation. I need some answer I need my money back as soon as possible this is not right.

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 2020-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I entered into a settlement with Wells Fargo for a XXXX credit card. When I made the final payment I was informed that it would take 45 days before Wells Fargo would contact the Credit Bureaus to inform them that the XXXX card was no longer in default. 

Is this normal? Why would it take 45 days to have the matter cleared up on my credit report.

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 2020-08-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid for 5 flights in XX/XX/2020 for flights in XXXX and XX/XX/2020 Due to COVID all my flights were cancelled and I have written Capital One Bank credit card asking for refund on these 5 flights on seven occasions with letters direct to : Dispute Dept Capital One Customer Service Disputes XXXX  XXXX XXXX, Utah XXXX RE : XXXX XXXX XXXX XXXX I have received credit on one flight and others are in wait without explanation as to the delay .I sent documentation of all flights cancelled by airlines die to pandemic Capital One is a bank and I am told they should do a chargeback for services not rendered The 5 flights are {$1500.00} One flight credited {$980.00} I have withheld % XXXX from ongoing charges each month while awaiting other 4 chargebacks Capital one has the audacity to charge me monthly interest for the {$570.00} held! 
The airlines are taking slow walk to refund cancelled flights! 
Can Consumer Finance help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, i submitted a request for a re-finance on my mortgage. On XX/XX/XXXX, the mortgage broker informed me i had a collection against my credit for a medical bill. I researched the collection through XXXX and found a {$180.00} collection at Franklin Services in  XXXX, MS . I contacted Franklin Serv and they informed me that is was for an unpaid hosptial bill at XXXX XXXX in XXXX, MS from XX/XX/XXXX. I have never been to that hospital nor have i been to XXXX in over 15 years. I currently reside in California. They told me the bill was for a XXXX XXXX, i have no relationship nor do i know who this person is. I left numerous messages at XXXX XXXX and have not been able to get a return call. Franklin serv was rude to me and didnt offer a letter to show the mortgage company that this was done in error. As of today, the collection is still showing and interest rates have gone up to where it has financially impacted my life. I have now missed out on saving {$300.00} a month for the next 30 years. A savings of {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
At the end of XX/XX/XXXX, XX/XX/XXXX, I reached out to my lender, XXXX XXXX XXXX XXXX to request a forbearance agreement due to hardship caused by COVID-19. XXXX granted me a 3 month forbearance and assured me that this would not report negatively on my credit. Towards the end of the 3 month agreement, I reached out again to XXXX  to ask for an extension of the agreement as I had decided to sell the house and XXXX agreed to provide me another 3 month extension through the end of XXXX and explained to me that after this extension, if I had not sold the house, we would discuss additional options to help me if we needed them, which I was thankful for. In early XXXX, I received a notice from my credit monitoring service that said XXXX reported me as 90 to 119 days late, which promptly lowered my credit score by 90 points across all three bureaus. I immediately filed a dispute with all 3 agencies explaining that this was not 90 to 119 days late but a forbearance agreement that should NOT report late on credit. I also called XXXX who promptly admitted to me that an error occurred in reporting to the bureaus which they would correct. Essentially, XXXX reported me late accidently. They told me they would process they correction to the bureaus. Today, XX/XX/XXXX, I received a notification from Equifax that they confirmed 90-119 days late on my mortgage and my credit report remains negative 90 points from where it was. I called XXXX and they told me that they made the correction on XX/XX/XXXX and they considered the matter closed. When I told them that Equifax was still reporting me late, they told me to take it up with Equifax or call a credit repair agency, which makes no sense since I am not trying to repair my credit, I am trying to get a reporting error resolved. I did call Equifax and they told me that indeed they were still seeing 90-119 days late being reported by my lender and that they had not received any correction from them. they told me to dispute this again, which I have done again. I do not why this is continuing to happen. I have been proactive in trying to sell my house and protect my credit by asking for help, and although I was granted the forbearance, which I greatly appreciate, my credit report is now reflecting an erroneous status that greatly impacts my future credit worthiness and no one is willing to resolve it. I need someone to step in and actively help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I paid the Midland Collection in full and I was told that the collection will be deleted from my credit 2 years from the first delinquency. On XX/XX/XXXX, I spoke to a manager at Midland who informed me that Collection is going to be removed on XX/XX/XXXX XXXX XXXX, XXXX ... 
As a result, I entered a contract to buy a house, knowing that this collection is getting removed on XX/XX/XXXX, and scheduled the closing date for XX/XX/XXXX. 
When I called back on XX/XX/XXXX, I was told " sorry the manager made a mistake and the account is not getting removed until XX/XX/XXXX XXXX!!! 
I was given FALSE info on XX/XX/XXXX, which resulted in me entering a binding contract to purchase a home knowing that this collection will REMOVED ON XX/XX/XXXX. 
MIDLAND manager MADE a huge mistake, and I am asking Midland to listen to the conversation that took place on XX/XX/XXXX, and take ownership for their mistake, and to DELETE this tradeline from my credit in its ENTIRETY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
In late XX/XX/XXXX I was harrased multiple times by a debt collection company who violated numerous florida debt collection laws during there contacts with me. ( I have submitted complaints regarding them to you previously ) In XX/XX/XXXX of XX/XX/XXXX I made an agreement with the company to pay off the debt, an agreement was signed by all parties and a payment was made in full via certified check, as well as a cease and desist order regarding further communications from this company since the debt was settled. 

Yesterday, over a year later I received an email from the same company demanding immediate payment of this same debt, this is harassment and a direct violation of a cease and desist order, as well as an illegal attempt to collect on a settled debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
Hi - I opened an account with American Credit Acceptance in XXXX.I got into a car crash In XX/XX/2020 which totaled my car. This is where everything began to go down hill with the company. 

XX/XX/2020 - Car Crash - reported to ACA car was totaled which was instructed by my car insurance company XXXX. 

- ACA - advised I should contact my gap insurance and warranty company and they would send all documentation to the GAP insurance company on ACAs behalf. ACA advised it would take about 7 business days on their end. 


XX/XX/XXXX - contacted Gap insurance and car insurance they advised they needed to wait on ACA to send over payment history and additional information specific to the car loan. 

XX/XX/XXXX contacted ACA they stated they were still in process of sending over information to GAP XX/XX/XXXX GAP insurance contacted me asking for the information from ACA required to complete the GAP process. Contacted ACA they stated they were still in process. 

XXXX XXXX insurance paid {$24000.00} - XXXX warranty Paid {$800.00} XXXX XXXX ( Gap Insurance ) - {$4700.00} Company did not update the information on my credit bureau which caused my credit to reflect late payments. 

I would like company to reflect accurate payment history. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
CONVERGENT OUTSOURCING, INC a Collection Agency for XXXX XXXX refuse to remove a PAID collection from my report. 

The debt was not a valid loan and should not be on my credit report. After I paid my account in full, I sent the equipment back. After several months, they sent me a bill for {$60.00} saying some of the equipment was missing. 

I paid this account in full because I didn't wa n't to deal with them. They removed the account fully from XXXX but not from XXXX or XXXX. 

This was not the valid definition of debt and they used my credit report as leverage to pay for equipment I turned in. This is an unfair practice.

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 2020-08-14 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: GA

Complaint narrative:
Experian has made no effort to verify my mortgage with XXXX XXXX. I have filed two previous complaints through the CFPB ( XXXX and XXXX ) each with supporting documentation which can be used to verify my mortgage from the lender. Experian refuses to accept these documents, stating they " don't add data to our database from private parties since we would be unable to verify or maintain the data ''. Isn't it Experian 's job to verify the data submitted as a consumer 's proof of a trade line with a lender? Why are they dismissing my documentation instead of reaching out to XXXX XXXX to verify the data?

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 2020-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/2020 i submitted a complaint to the CFPB reference number XXXX. 

Two items were sold on XXXX totaling {$240.00}. That money was given to PayPal to then disburse to me. Despite PayPal stating that they have released the funds to me in a written statement to the CFPB, nothing has been disbursed. 

I have tried to contact PayPal directly to get this matter resolved, but all I get is computer generated bots who have no idea of what the issue is. 

PayPal has lied to me and lied to the Consumer Finance Protection Bureau in a written statement. 

My question is what are you going to do about it???.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control
State: CA

Complaint narrative:
I received a bill in the amount of {$330.00} from Continental Credit Control and I called XXXX XXXX the representative on my bill. I asked if I could make payment arrangements in the amount of {$50.00} a month and if I did they would agree not to report the bill to the three credit bureaus. She said, yes that this would not hit my credit report if I was making payments to take care of the bill. I made my first payment in XXXX for {$50.00} then XXXX for {$100.00}. I was on time with all payments. I checked my credit report on XX/XX/2020 and the company did report the debt and they reported that I never made any payments. I called the company the next day and tried to speak with XXXX XXXX, she was unavailable. I then spoke to the manager and told him the situation as to why they reported it and why they were reporting no payments were made. He said, that XXXX never told me that she wouldn't report it and that I was lying. I would not have made something like this up. He didn't want to ask his representative why she said and agreed to this with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I was denied the Target Redcard Credit card, my credit score is above the minimum to apply. With the denial letter they said one of the issues was credit score and then listed a false credit score, length of time accounts have been established ( which is discriminatory based on age ), and that " too few accounts have been paid as agreed '' which I have none that have to be paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: OH

Complaint narrative:
This is not my account, please verification, method of verification and validation of debt. 

I was unaware of this debt and did receive a notice, so I did not have the opportunity to dispute. 

XXXX 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 2020-08-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX. In 2011, I filed bankruptcy. I had a 2nd mortgage on my property at XXXX XXXX XXXX XXXX Ca. XXXX. I was given the option to keep the 2nd as a lien on my property and if/when the property sold, the debt would be paid. That is how I understood it. I received notice that a company called Realtime Resolutions bought the 2nd mortgage. It would always say if you filed bankruptcy, this is not an attempt to collect a debt. I just assumed it was for informational purposes only. Early XXXX, my WHOLE family started receiving phone calls that my home was in pre-forclosure. I thought it was a joke. I pay my mortgage on time every single month. Never once did I receive a phone call from real time resolutions to try to resolve this. In XXXX, I reached out for legal advise. They looked into and said the best thing I could do was to fill out a loss and mitigation application. He advised me that these companies buy the loans for pennies on the dollar and they would most likely settle. I first reached out to family to see if I could borrow some money to help settle. Once I got a good amount of money, I filled out the application. I was going back and forth with them. The first letter offered 2 options. Short sale or {$64000.00} lump sum. That lump sum is more than what my statement says is due. Every month, they say total amount due is {$41000.00}. At the time I filled out the application, I was working full time. On XX/XX/XXXX, I was laid off from my job. When I informed Realtime,  according to XXXX, any changes to my income or assets bears no weight on their decision which is as follows. 
1. pay a lump sum of {$4400.00} and then pay {$260.00} a month until the loan is paid off. 
2. short sell your home 3. pay {$65000.00} lump sum to pay off loan. 

Yes, this is what is happening. I don't have that kind of money. I felt bullied into paying something that was way more than what I owe. They are rude and to do something like this during a pandemic is unacceptable. I offered to settle but never did I imagine it would be {$20000.00} more than what my statement shows. 

I feel like I did all that I can do to try to settle. I can barely afford to pay my own bills let alone come up with this ridiculous amount of money. I live check to check right now and I cant afford another monthly payment. 

I would hope that Realtime is willing to make a fair and just settlement with me. Not one that either breaks my bank of throws me and my family on the streets. 

Thank you

Company response to consumer: Closed with explanation