vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have requested Citibank the issuer of my CITI Thankyou Preferred master card to resolve my access to my online account so that I can view my online bills, make payments and access other rewards/points services associated with the account. 

The issue has been unresolved and my only access to bill statement is via my bank through which I have signed to receive ebill statements. 

The primary issue in resetting access to the online account is due to the fact the number registed with my account is a voip ( voice over IP ) number and is not a cell number which can receive text messages. Even though citi reset links on it web page provide the " call me " options, it doesn't operate as advertised and treats it as a textable number. 

On numerous occasions citi 's customer support denied to update the number to a cell number to resolve the issue or provide alternate means to resolve the issue for eg. a reset option via US postal service to the customer address on file. 

When the customer support did walk through the process of updating the record with the cell number it did not reflect on the website reset options. The customer support suggestion to create a new online account/identity is not supported by https : //www.citi.com/credit-cards/home for an existing registered identity associated with the card holder. 

I had also posted via certified mail a letter to Citibank Customer Service XXXX. XXXX XXXX XXXX XXXX, SD XXXX on XX/XX/2020 which did not elicit any response. 

At this point I am left with no recourse but to file a complaint with consumer finance.gov.

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 2020-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This loan was traded in and I was taken off the old loan and it still shows as an open loan but it is closed.

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 2020-11-23 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: FL

Complaint narrative:
This loan was traded in and I was taken off the old loan and it still shows as an open loan but it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This loan was traded in and I was taken off the old loan and it still shows as an open loan but it is closed.

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 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
This has happened twice with making AMEX payments using my XXXX electronic payments. 
My AMEX bill ( {$400.00} ) was due on XXXX XXXX. I scheduled the payment, as I have for many years, to arrive on XXXX XXXX. 
XXXX XXXX transaction register shows the payment being issued on XX/XX/XXXX and that AMEX received the payment on XX/XX/XXXX. AMEX did not post the payment until XX/XX/XXXX and applied a {$29.00} Late Fee to my AMEX account. 
AMEX refuses to accept the blame for the " Late '' payment and refuses to remove the late fee. 
Speaking with XXXX, I was told by their Senior Technical Specialist, that XXXX has been made aware that AMEX has a two-day processing process. This two-day processing is not mentioned on the AMEX payment notification. Because XXXX knows of this two-day process, XXXX moves it's transmission date back two days from the due date. In the case of my complaint, XXXX moved the transmission date two-days back from the XXXX and sent the payment on the XXXX. 
Because AMEX did not accept payment until the XXXX, it therefore took two days for them to process the transaction and posted on the XXXX causing the late fee. 
Proof of payment attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, XXXX out both XXXX  and XXXX  to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My mother wanted to add me to her account in the event something happens to her. She is in her 80 's with health concerns, When we went to the Chase branch today the bank officer said she could not do it because I had a closed account in 2018. Not that I owed the bank money, but I had a closed account. What does a closed account have to do with having access to her account in case of an emergency. This is a multi-billion dollar international financial institution. What purpose does it serve to deny me access. I don't owe Chase any money. Chase should get over it. I have never been so disgusted. You should have seen the nasty, unprofessional letter they wrote me about the account they opened then closed. They are the ones with questionable integrity. Click this link. XXXX : XXXX If they do not honor my mother 's request. I'll get the word out to my 500+ connections who will see how a XXXX dollar bank treats mainstreet . Wonder what the Obama Foundation would say?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Lakeview Loan Servicing LLC./XXXX XXXX failed to pay our homeowners insurance which is wrapped up in our mortgage. I called the insurance company, XXXX, to inquire and they advised that they had not received payment which was due on or before XXXX. 

On XX/XX/2020 I received a cancellation notice from XXXX due to non-payment. The cancellation date was XX/XX/2020 at XXXX XXXX. 

On XX/XX/2020 I received a reinstatement notice from XXXX advising that the policy had been reinstated, they received payment and were backdating policy to XX/XX/2020. 

On XX/XX/2020 I received a letter from XXXX/Lakeview advising that we failed to keep a homeowners insurance policy on our home and therefore they will insure our property through a company of their choosing and we will owe them money. 

Clear one side of this company does not know what the other side is doing as they are the entity that paid our policy but are now telling us we do not have a policy. 

This company is one of the most incompetent I have ever dealt with. I am frustrated that I have to take my time to deal with issues like this when it could have been avoided had they paid the policy on time.

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 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: MD

Complaint narrative:
Dear CFPB, As i have mentioned in my complaint CFPB File # XXXX Receivable Management Systems has violated my right as a consumer on many counts. i have attached a copy of the validation letter i sent to Receivable Management Systems for review. Please note that i have yet to receive validation of this debt from them. i have called so many times as they requested in their response to my complaint by to no avail. the alleged account is still on my credit report. Receivables Management Systems has claimed to have send the requested documents to the consumer on XX/XX/20 to the address listed in the previous complaint providing information in regards to the account. They provided me with no validation as i have also attached the document i received from them via mail. The letter is a mere itemized receipt from Receivables demanding that i make payment to them. i am yet to receive at lest a detailed itemized receipt of the original debt, my contract with Receivable or their client and most importantly Receivable 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I received a Scam call claiming to be a debt collector with my full name, birth date, and address on hand. They demanded my social security number, debit card number, and front to back copies of my insurance cards and I.D . I explained that I'm on Social Security and I have XXXX and XXXX in full so I owe no such debt. The representative then became argumentative after I refused and told me to " Go XXXX myself '' and " You'll regret this ''. She then proceeded to immediately terminate the call. This situation occurred on Monday, XX/XX/2020 at XXXX XXXX. 

The number requesting this information called themselves XXXX XXXX and their phone number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
In late XXXX, I began the process of refinancing my home loan with Mr. Cooper ( my current loan is also with them, as I was hoping for a more streamlined process since I was already a customer ). 

After Mr. Cooper drug their feet about getting the process complete, we finally make it to closing day on XX/XX/XXXX. Mind you I had had little to no contact with my " Loan Processor '' at Mr. Cooper regarding any issues, updates, etc. at this point in time. For some unknown reason, the closing is canceled and I only find out through the notary who was set to come witness the signing. Mr. Cooper DID NOT contact me and advise me of the change, and only after several phone calls did I finally receive an answer from them. Something about some paperwork issue. 

The signing was rescheduled for the following day, XX/XX/XXXX. After the closing I was told by Mr. Cooper ( only after me attempting to establish contact first, and after several tries ) that the funds were to be dispersed to pay off the old loan by XX/XX/XXXX or XX/XX/XXXX. Both days went by and I had zero contact from my " Loan Processor ''. 

After 6 phone calls placed from me on XX/XX/XXXX and XX/XX/XXXX to my " Loan Processor '' and also to her supervisor, then her supervisor 's supervisor, I finally got someone to talk to me. Apparently a single date was incorrect so the signing had to be done again. I was also being charged late fees for my current loan, and was being contacted by the automated calling system of Mr. Cooper to make a payment. 

My " Loan Processor '' said on a recorded line that I will not need to make a payment for XXXX or XXXX on my current loan, but also stated that she would refuse to produce any document that stated I was not responsible for the late fees accrued due to Mr. Cooper 's mistake with the paperwork. 

The closing was once again moved, to XX/XX/XXXX in XXXX via a mobile notary. The paperwork was signed, and I was assessed a fee of about {$75.00} that was not disclosed ( it was listed in the disclosures but was not labeled as to what it was, just an errant extra charge ), and I tried to contact Mr. Cooper about why there was this fee, and they have refused to return my phone calls or emails since XX/XX/XXXX. I was told by my " Loan Processor '' that I was to receive some sort of lender credit and as such would not be paying anything out of pocket on closing day. Funds dispersment date was supposed to be XX/XX/XXXX but I have had no contact with Mr. Cooper regarding the matter. 

I did not get the late fees removed from my current loan my " Loan Processor '', and I have attempted to contact my " Loan Processor '' but she is out of the office until XX/XX/XXXX according to her autoreply email. 

I would like to know why Mr. Cooper has essentially refused to communicate with a current customer, lied about charges, not properly disclosed reason for charges, and what they are doing to improve and resolve the situation.

Company response to consumer: Closed with explanation