vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On the XX/XX/XXXX I called my Citi classic card because I noticed that on my credit report it stated that the card was closed. I have never received a letter or notice I was only 7 days late on the card my due date was on the XX/XX/XXXX of every month. I use this card for rentals. I have been in good standards for the past 9 months. I was disputing charges with XXXX over a rental which was XXXX plus tolls. I didnt get a chance to even hear back from them yet but I did already call. I did call my card and spoke with a rep because this has never been a issue before and to close my card after a week of being late and reporting it as negative on my credit plus with still owing a charge is ridiculous. Its a pandemic. They told me that they could do that. I said well I have been in good standing for 9 months straight you couldnt even give me a break to figure this out if my name was XXXX XXXX or XXXX or XXXX I can almost bet that the conversation would have went a different way and outcome would of been different. No one reports a credit card closed after 1 missed or late payment not even if it is a secured card.

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 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I had a credit card and line of credit with PayPal through Synchrony Bank that I had fallen behind on payments on in Summer of 2018. I was unable to reach a payment arrangement, but they had my contact information and were able to contact me successfully. 
Somehow, they found the telephone number for my parents ( who live in a different state ). 
On or about XXXX XX/XX/2018, one of their representatives called my parents home, looking to speak to me. My mother asked what the call was regarding, and the representative proceeded to tell her about my account being past due. 
This caused quite a bit of friction between my parents and I and was entirely unnecessary.

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 2020-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I saw many collection accounts on my credit file from Harvest Associate. They took one emergency rom visit and broke it down to several collections and changed the dates on each to make it look like I went to the emergency room every other day. One of the collections are duplicates on m credit for XXXX it is reported twice. 
I SENT A REQUEST TO HARVEST ASSOCIATES TO VALIDATE THE DEBTS THEY ARE REPORTING ON MY CREDIT AND THEY WON'T SEND ME ANYTHING. They never sent me a letter stating that they bought this debt, giving me the opportunity to dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX Called Money Lion to pay debt they said I owed nothing Stated I needed a letter not email stating paid debt off. They sent a email XX/XX/XXXX XXXX XXXX Agent asked me to look at my XXXX emails to see where debt was sold. I found email and called number listed. They stated money lion bought back the debt. 
XX/XX/XXXX I called to advise and asked to speak to a supervisor. They said they will call me. 
XX/XX/XXXX called again, they stated they will call me. 
XX/XX/XXXX still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: NY

Complaint narrative:
Company collected all of my personal financial information including SSN / tax returns / P & L statements, etc, but then dropped off the radar and stopped responding. XXXX XXXX was assigned to be my loan officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: AZ

Complaint narrative:
I received phone calls that were claimed to be an attempt to collect of an outstand bill from XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX. I stated that if this were an actual debt please send me ans invoice or bill so I could take care of it. They insisted that I pay over the phone with a credit card then and now or they would turn me over to collections. I never received a bill or invoice. Now my account has been turned over to collections and I do not believe this was a accurate way to do business. There are multiple complaints and issues with this company filed in XXXX reviews of their unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In XX/XX/XXXX I disputed a few lates on my credit, at that time Equifax began updating my status as delinquent on a loan that closed in XXXX with a XX/XX/XXXX balance, I have tried numerous times to have them equifax fix this as it is not on either of the other credit reporting agencies and they absolutely refuse to help in anyway.. This is impeding my home buying process and I need it fixed right away and Equifax states that it is XX/XX/XXXX and XX/XX/XXXX says they have not reported on my credit since XX/XX/XXXX at which time they only reported that the account was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: CA

Complaint narrative:
I DISCOVERED A COLLECTION ACCOUNT ON MY CREDIT. I NEVER RECEIVED A COLLECTION NOTICE IN THE MAIL. I HAVE SENT THE COLLECTION COMPANY 3 NOTICES AND TODATE I HAVE NOT HEARD BACK FROM THEM. HOWEVER THE UNKNOWN ACCOUNT THAT WAS NEVER VALIDATED/VERIFIED REMAINS ON MY CREDIT. I HAVE ALSO DISPUTED THE ACCOUNT WITH THE CREDIT BUREAUS AND HAVE BEEN INFORMED THE DEBT WAS VERFIED AS MINE- ITS NOT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: TN

Complaint narrative:
Credit reporting agency is reporting inaccurate information on my credit report. I requested that this information be investigated and removed on XX/XX/2020. I has been 30 plus days and I have not heard anything from the credit reporting agency.

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 2020-11-20 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: TN

Complaint narrative:
Credit reporting agency is reporting inaccurate information on my credit report. I requested that this information be investigated and removed on XX/XX/2020. I has been 30 plus days and I have not heard anything from the credit reporting agency.

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 2020-11-20 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Partnerships Services lock me out of their online portal when I needed to check on the status of my payment and payment plan. The directed me to a phone number which did not provide an option or direction on how to get my account unlocked. 
Looking to check my payments and payment plan using their phone service, the information did you allow you to check the status of a payment or a payment plan which leads me to believe they are trying to be deceptive and trick people into making unnecessary duplicate payments. The course of action I took was on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The company XXXX XXXX charged my Chase credit card for {$7000.00} and I do not have the products charged for. I have requested a refund and the company is refusing to reverse the charges on my credit card. The company is making false claims about turning over the deliverables. Even with these false claims, the company also has a satisfaction 100 % money back guarantee and is also refusing to comply with this policy and return the amounts charged to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: AZ

Complaint narrative:
XXXX states that I applied for an account XX/XX/XXXX and it closed in XX/XX/XXXX then reports closed XX/XX/XXXX. I was unaware of having a XXXX account approval and never utilized any account with XXXX. I have disputed this multiple times with the bureaus and the company and they come back with updated information as derogatory from a late payment in XXXX then in XXXX. Its all inaccurate information and I have asked for them to remove the inaccurate information placing me in derogatory status and they state its the bureaus reporting this information in derogatory and vice versa with the bureaus stating it is fingerhut giving them information to report. At this point I need this removed immediately since it is negatively affecting my bureau and scoring and the company has failed to provide any activity on the account to report a late payment to be derogatory. Late payment reports XX/XX/XXXX the same date the account closed according to the reporting. This account is closed per the grantor on their own accord. I dont not wish to ever do business with the company just would like for my bureau to be clear of negative false information. Proof have been provided several times of the derogatory reporting as XX/XX/XXXX states that it is the bureaus reporting and notXX/XX/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 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/2020, I received a letter from XXXX XXXX XXXX and XXXX XXXX XXXX stating a quote from an agent for an insurance policy. I did not provide permission to pull my frozen credit report and Alexis Nexis lifted my credit report without asking to temporarily lift the freeze. Secondly, I did give any agent to go outside of my insurance to get quotes. I specifically stated to stay in their agency. I did not receive a call from XXXX XXXX XXXX and XXXX XXXX XXXX requesting to lift the freeze. Therefore, they should not request any information on me unless I am made aware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Is not just me is happening to many people, I have a credit card with chase they was offering me {$500.00} Bonus to open a saving and checking account what i did after i transfer {$15000.00} from my XX/XX/XXXXXXXX, they send me a email that my chase account has been blocked without not reason, Beware with # {$500.00} BONUS # CHASE # Bait and # Switch on # Chase Beware with Chase Bank offering {$500.00}. We locked your account to protect it from suspicious activity. https : //www.consumeraffairs.com/finance/chase_bank.html If you have concerns about the authenticity of this message please visit chase.com/CustomerService for options on how to contact us. Your message wasn't delivered to XXXX because the address couldn't be found, or is unable to receive mail. The response was : The email account that you tried to reach does not exist. Please try double-checking the recipient 's email address for typos or unnecessary spaces. 

Upon multiple recommendations I set up a Chase Bank account online. Everything proceeded smoothly and I had an account ready in a day. However, multiple problems occurred after this. First my account was locked over possible fraud because I tried to transfer money from my previous bank over via an external account transfer. I called Chase 's support line and after approximately 2 hours holding I was told I needed to go into a local Chase branch with two forms of ID to unlock my account. 

Several days later I was able to do so, but now they told me they can not unlock my account and had to call it in themselves. By this point both my checking and savings accounts had been deleted because my account was suspected of fraud. 

The branch representative said I then had to wait until their fraud department called me and verified who I was. So I waited several hours for this. Once that was done, I could return to the branch several days later to reopen a checking/savings account and set up a credit card with automatic payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: CA

Complaint narrative:
I had a joint account for a car loan with XXXX XXXX XXXX XXXX. During a period of three years they misappropriated payments and charged car insurance unnecessarily. They write to me informing me of their abuse and that they had made a mistake. I send the letter to Experian and demand that my credit score and payment history be adjusted, but they refused. The other credit reporting agencies did make arrangements. They continue to play hardball with the citizens of California and intimidate its citizens. Recently I got a check from a collective lawsuit recently, since this is the way they due business. They had to settle with millions of persons. I demand that the account is updated to paid off with no late payments and my credit score be adjusted, just like the other credit reporting agencies increased my score and removed this account from my record.

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 2020-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've had two Chase Bank Credit cards closed without my knowledge until I got an alert from XXXX XXXX that they were closed. They recently closed my oldest held credit card and are closing another to which they say they can't reverse now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: MI

Complaint narrative:
I was notified while attempting to obtain employment that I have an outstanding balance of XXXX dollars on my credit report ( Experian ). This balance is being reported from the State of Michigan office of XX/XX/XXXX I do not owe this balance and my case is closed. I spoke with them today and they stated that they sent this information to the credit agency ( Experian ) in 2019. My report still showing a balance and as a charge off.

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 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I, the consumer, disputed this debt in XXXX of 2020 withXX/XX/XXXX XXXX XXXX After an investigation, the credit bureau concluded that these accounts were incorrect, and sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XX/XX/XXXX XXXX, Midland Credit Management has continued to report the erroneous information to other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have resubmitted documentation to MCM, per their reluctant suggestion and would like the assistance of the CFPB in resolving this gross negligence in credit reporting. 

MCM Account numbers : XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
since Champion Mortgage is the servicer of our reverse Mortgage we have had many issues with them. we originally took out the reverse Mortgage through XXXX just to pay for property taxes. our home is worth 1.2 million and each year that we fax and request for a withdraw request we get the run around. this Company must be investigated thoroughly as there are hundreds of home owners been experiencing shady practices. a simple XXXX review of this Co should be enough for your agency to be alarmed! i have contacted HUD and was transferred back to this agency. we are tax payers and demand to be protected by our Gov. agencies to pursue each complaint. 
I was told earlier that Champion Mortgage responded to your agency with lies and more lies and that the case is closed! im requesting an opening of another investigation as they lied in their letter and once again, a simple review will show U. evenXX/XX/XXXX has a rating of " F '' for champion Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
My late husband was an inpatient for a week at XXXX XXXX XXXX in XXXX California. This occurred in XXXX. He had arranged to make payments to the XXXX XXXX XXXX Billing Department and was making payments. He died on XX/XX/XXXX and I, his widow, tried to make payments. I have been having a hard time doing so. I was contacted by Progressive Management Systems XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX to pay the bill ( which increases due to interest rates ). I tried to negotiate a settlement with PMS but they said XXXX XXXX XXXX does not accept settlements. We are all having problems during this COVID crisis. I found out that due to California law I have to pay this debt. This collection agency is being hard nosed about working with me. I can't make the 3 monthly payments they demand ( {$510.00} ) with a {$2000.00} down payment. The bill is {$3400.00}. I don't want my credit ruined by this collection agency. These people won't work with me. I need your agency 's help with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My checking account money was stolen about {$3000.00} due to fraudulent withdrawals. Bank of America is still not willing to refund the money, 1. I had unemployment benefit from California employment development department ( XXXX XXXX. My account is managed by bank of America ( BOA EDD ). 
2. Between XX/XX/2020 to XX/XX/2020, the account money was stolen due to fraudulent withdrawals, and the total amount is XXXX. 
3. BOA made adjustment credit on XX/XX/2020. 
4. Then BOA took out all credits without any reason on XX/XX/2020. 
5. I tried to contacted with BOA and made dispute to refund the stolen money, but BOA never respond my request. 
5. I contacted with CA assembly women XXXX XXXX on XX/XX/2020 for help. 
6. I also filed the police report on XX/XX/2020 with XXXX Police XXXX through XXXX XXXX XXXX. 
7. Assembly assistant, XXXX XXXX contacted with XXXX. They suggest I can contact with CFPB and file complaint case for BOA. 

Please provide help. Thanks!

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