vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Purchased a home with an existing loan from MR COOPER Obtained Payoff information on XX/XX/2020 Home closed with a General Warranty Deed in XXXX XXXX, North Carolina, all cash on XX/XX/2020 A check from the closing attorney was issued XX/XX/2020 with the loan number written on it, and was confirmed deposited from the attorney 's trust account As of today, MR COOPER has not cleared the lien, and is actively trying to collect on this account ( another $ XXXX ). 

We are trying to sell the home, but the new buyers can not obtain title insurance due to the lien still being on the home Me, the homeowner, and the closing attorney, have spoken to Mr Cooper 2-3 times per week for the last 6 weeks trying to resolve this, but they have refused to clear the lien and are trying to collect payment from me, even though they have admitted that they have " lost the deposit ''. 

This money has been stolen, and I need this investigated asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: IA

Complaint narrative:
I was working with the resort ( XXXX XXXX XXXX XXXX XXXX to pay all my dues accordingly. I was under the impression that we were working towards a resolution. Out of nowhere, my remaining balance was sent to a collection agency. The way I found out was when Monterey Financial Services reached out about collecting a debt that was owed. The resort never informed me that they would be sending this over to collections. As mentioned before, we ( resort and self ) were working together to resolve this matter. I had reached out to the resort for help due to my hours being cut back at work and wanted to resolve things as best as possible. It is no secret by now that timeshares are a scam and this has taken a really big toll on my finances and my personal life in general. Before the resort sent my account to collections, they refunded me a {$1000.00} deposit, which I took as a sign that we were on the right track. Imagine my surprise upon receiving communications from a collection agency. As soon as I heard from Monterey, I asked them to cease all communications as it stated on the letter that it was from an Attorney ( rather than the agency itself ). There main point of reaching out was to inform me that my balance needs to be paid in full and that until then, a collection will be appearing on my credit report. This collection agency has left harassing telephone messages and has a very intimidating demeanor, which I do not appreciate. I feel as my rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
my account was hacked and money was wire transferred out ( {$5000.00} ) this happened on XXXX.The bank said I helped the scammers. I thought I was helping the bank unfreeze my account. During the back and fourth with the scammers I became suspicious and tried to contact the local office of the bank, all I could get was a recording saying they were busy helping other customers and i should call back later.I was left high and dry by the bank and now they are saying it was my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I have been the victim of identity theft and had multiple accounts opened under my name without my consent including Paramount Recovery. I have previously provided FTC report documenting the fraudulent activities due to my identity theft and this company has failed to comply with FCRA reporting guidelines for Fraud/ID 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 2020-09-25 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: FIRST FINANCIAL BANCORP
State: IL

Complaint narrative:
XX/XX/XXXX - {$3.00} paper fee caused balance to go negative. 

XX/XX/XXXX - {$37.00} fee charged because of {$3.00} paper fee. Discussed over the phone that no more late fees would be charged as I transfer money to cover negative balance XX/XX/XXXX - additional {$37.00} fee charged because ACH transfer is not immediate, even after it was discussed the day prior that no more fees would be charged XX/XX/XXXX - banker noted a {$37.00} DAILY FEE will be applied due to negative balance, even though there is no way for me to expedite a money transfer

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 2020-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I have been the victim of identity theft and had multiple accounts opened under my name without my consent including R.S Clark and Associates. I have previously provided FTC report documenting the fraudulent activities due to my identity theft and this company has failed to comply with FCRA reporting guidelines for Fraud/ID Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
i paid the creditor creditor so the collection shouldn't be on my credit account if they dont own the debt and i paid it with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
This is regarding XXXX XXXX - who merged with First Horizon Bank. On XX/XX/2020, I submitted a 3rd party check for deposit. This was written from my deceased father 's trust account, endorsed by the trustee, my mother. The bank initially credited the account, showing through my online access that the funds had cleared the bank. Therefore, I made substantial and multiple payments based on this information. 

On Monday, XX/XX/2020, I was notified that payments were not processed and that my account was restricted. I spoke with the bank manager who questioned me on why I deposited this check into my personal checking account. I explained that this is from a family trust and that my brothers had no issues depositing the checks of the same nature into their accounts. The branch manager stated that the check needed to be deposited into another trust account. I disputed that and asked for the check to be returned to me. 

The branch manager then stated the check was in processing and would be returned to the institution it was drawn from. He stated that the restriction on my account would be lifted at that time. I asked that the restriction be lifted immediately as I have done nothing wrong or illegal. He stated that won't happen. 

I deposited a cashiers check into the account on XX/XX/2020 to assure funds are available to cover the payments made. The cashier 's check is being held until XX/XX/2020 and the manager refused to release any portion of this deposit. On XX/XX/2020, he still could not tell me when the restriction will be lifted from the account. 

Therefore, I am unable to provide for basic necessities, such as food, gasoline, and to pay bills that are now due. 

At this point, the bank has stolen my money and is holding this hostage for no reason. I need the restriction lifted immediately and to have the cashiers check fully cleared into and credited to my account. This is a reasonable request as the account has never been delinquent and I have held the account for more than 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This complaint was generated from numerous attempts to the problems with funds being transferred from the checking account and the violation of my rights as a customer. It is very disturbing to know I acted in good faith and was rerouted from the unprofessionalism and promises made due our conversation. It took months to supply me with a updated debt card and has caused negative issues to my credit report. Upon arrival of my new debit card reissued by the Citi bank it disclosed this card was used before and cant be activated. I would like to be compensated for the damage of my characteristics value. This is my demand for Remedy. Glory be thy name

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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/2020, i notice some inaccurate and incomplete items on my credit reports from TRANSUNION, XXXX, AND XXXX. So on the XXXX of XXXX.,2020, i disputed the items with the 3 companies and has attached copies below of the letters that i responded and hasn't heard anything back from neither of them.i also wanted my address updated because they are reporting inaccurate addresses as well

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 2020-09-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.

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 2020-09-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.

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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony bank closed my paypal credit card account on XX/XX/20 ( without reason ) which is the same day my rewards points were to be issued which would have amounted to {$160.00}. If the intention was to close my account why did they allow me to continue to make purchases in bad faith - no intention to honor the 2 % rewards agreement. I would have taken my business is elsewhere if I knew I they were going to stop honoring their agreement. They also never issued {$200.00} in points that they had agreed to in their online chat service many months prior- I was told to wait for several bill cycles and that I would be receiving a letter. Never recieved a letter. 
It is their right to close my account but the timing, failure to honor reward agreement, and failure to disclose a reason are in my opinion GROSSLY deceptive and nefarious practices.

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 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Diversified Adjustments never contacted me prior to placing negative information on my credit report which is a violation of federal law. When I called them to dispute they acted in an unprofessional manner and told me to dispute with credit agencies. I asked for written proof that this debt belongs to me and instead hung on on me. Attempting to illegally collect a debt that is not owed specifically XXXX XXXX XXXX is illegal. My evidence clearly shows they are violating the law and never gave me the right to dispute nor did they have any accurate proof of their claim. This is a violation of FDCPA as well as a violation of FACTACT. I just got this deleted with XXXX XXXX XXXX and in less than 1 week diversified adjustments placed this on my credit report without giving me proof that this debt is mine or giving me a chance to dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My primary bank is Chase. On XXXX XXXX I attempted to make wire transfers. Twice they were rejected, I contacted Chase and was told there was a problem but it should be OK to try again. ( They could not tell me what the problem was ) Third attempt was again rejected - no explanation. I then went XXXX, which is provided by the bank. I was able to send money on the XXXX, XXXX and XXXX of XXXX. I attempted to make a fourth transfer on the XXXX, to the same person and same amount -- it was rejected, with no explanation. I then went to my local bank to speak with an agent there as my account was now locked. 
The agent was very helpful, got my account un-locked, but had to tell me that I could not make any more transfers via XXXX. He also was not given a reason. 
To add to my annoyance with Chase, on XXXX XX/XX/2020 my debit card was locked. On that card I have automatic payments to my mail order pharmacy, among others. Thus my medication order was rejected. Again no reason for locking my account was given. On the phone calls I made to the bank, ( XXXX only knows where I was calling ) twice I had to recall because the person on the other end barley spoke English and on three occasions I was disconnected during a transfer to someone else. I still have no answers, no one has returned my calls and I have no idea how a bank could operate like that. I have been a customer for more than 10 years, at the start of this process my accounts held over {$20000.00} and my credit rating averages over XXXX. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Have my VA mortgage with banco popular and my homeowners insurance with XXXX.The premium is paid out of the mortgage escrow account.I have had XXXX  insured the property for several years.Last month I attempted to claim damages from tropical storm Laura they informed me that my coverage had been canceled on XXXX banco Popular and they informed that policy XXXX was in force through XXXX of XXXX called XXXX and told them that the bank informed me that the insurance was active.When I informed them of the policy # XXXX  XXXX, I was told that policy had been canceled in XXXX of this year.Troubling fact of this endless scenario is that in the XXXX century we have email and mobile phones and neither of these devices were due by the mortgage server or XXXX  to inform me of the great perils I was facing.I a XXXX XXXX  veteran who served with the XXXX.I struggle with XXXX but attempt to live a normal and productive live.Please help I have been railroaded believe by both companies.Also believe I have over paid my insurance through both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.

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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.

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 2020-09-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute letter to Experian signed and post dated XXXX requesting that Experian investigate and remove two ( 2 ) inaccurate items reporting negatively on my Experian Credit report. Within this correspondence I cited the Fair Credit Reporting Act, Section 607, requesting that they ensure maximum accuracy of the information contained in my credit report. 
As of XXXX I had not received any acknowledgment or update on my dispute and the inaccurate negative items remain on my credit profile. On the aforementioned date I also sign and mailed an additional letter post dated XX/XX/2020, requesting the validation of the debt listed on my credit report Under the Fair Debt Collections Practices Act ( FDCPA ). In this correspondence I too noted that Experian had not completed an investigation within the 30-day time frame as required by law and demanded that they delete all disputed items from 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 non-monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
I NOTICE A ALLEGED DEBT FROM PHOENIX FINANCIAL SERVICE FOR THE AMOUNT OF XXXX $ THAT I DON'T OWE ON XXXX HAVEN'T HEARD FROM THEM OR RECIEVED ANY INFORMATION THAT I REQUESTED.I HAVE ATTACHED A COPY OF THE LETTER BELOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation