vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
On XX/XX/19 at XXXX XXXX  C.T., I contacted a seller on XXXX  about hockey tickets. After the scammer texted me photos of their " proof of purchase '' they wanted to use Zelle to get money for tickets and they would send tickets via XXXX. The scammer provided a name, XXXX XXXX, email address of XXXX and number : XXXX. I have a XXXX XXXX account and the scammer noted that they use XXXX  XXXX XXXX. I read through the Zelle 's fraud description, and to Zelle it is only your ( consumer ) fault for sending money, but they do not actively work on preventing scammers from using their service. I have contacted Zelle regarding issue, including the above details so that they can close the scammer 's account and prevent another person being defrauded, but they need to actually help to protect consumers from the many scammers that love Zelle 's service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly a late payment in XXXX, 2019 on the XXXX/XXXX   XXXX account. I never received a statement in the mail so I paid over what I thought was the outstanding balance. Unfortunately, the interest carried over and I was short on the monthly payment by a fraction. I wasnt aware of a late payment until I looked at my most recent credit report and saw there was a late charge. I immediately paid the amount required. However, due to not receiving my statement and not being properly notified of the late payment, I respectfully request that this late payment be removed from my credit report. This incorrect reporting is harming my credit score.

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 2019-05-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Debt Collection Company XXXX XXXX XXXX, XXXX has been reporting the incorrect First Date of Delinquency to the Credit Bureau for account # XXXX. The First Date of Delinquency being reported to the credit bureau is XX/XX/XXXX. As outlined in the uploaded XXXX XXXX XXXX documents the First Date of Delinquency as XX/XX/XXXX in the reply to CFPB claim XXXX. XXXX listed XX/XX/XXXX as the date they purchased the account. According to FCRA Section623 ( 5 ) ( A ) Date of Delinquency must match that of the Original owner of the creditor ( XXXX ). I tried to request a dispute regarding the incorrect date of delinquency being reported however, XXXX will not allow me to file another dispute. The previous dispute was closed without any resolution. I do not believe XXXX   requested the proper documentation to substantiated the information being reported. Equifax also just completed an account ownership verification and not an investigation of the accuracy of the information as I specified. Please see the Reply provided by XXXX XXXX XXXX on XX/XX/XXXX to Consumer Financial Protection Bureau claim XXXX XXXX, alleging that they are reporting a First Date of Delinquency of XX/XX/XXXX not XXXX. In this case XXXX is alleging that the XXXX and Equifax Credit bureau is INTENTIONALLY NOT reporting the correct Date of Delinquency of XX/XX/XXXX. ( Please see attached documents to support claim ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
reached out to Wells Fargo and they said they do not have a record o any inquiries linked to my name and to dispute this.

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 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc
State: NC

Complaint narrative:
My birth name is : XXXX XXXX XXXX. This company ; Checkr, did a bank ground check for a potential employer ; XXXX. The report entailed erroneous info with 3 different alias ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These different names are not XXXX XXXX XXXX, I dont know them and have no affiliation with them. Additionally, the information contained in the report was for those people and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
In XXXX I underwent treatment for XXXX XXXX. Under my medical plan with XXXX, my medical insurance carrier at the time, all of my medical costs were covered at 100 % after meeting {$5000.00} out-of-pocket expense which I had easily satisfied prior to my XXXX in XX/XX/XXXX. All XXXX XXXX XXXX were paid in full. In one instance during my follow up XXXX XXXX   in XX/XX/XXXX, I was required to pay a {$67.00} co-pay which I did as per my XXXX plan, my insurance carrier paid the remaining costs as per plan arrangement to the provider , XXXX XXXX XXXX  XXXX ( please see XXXX Statement enclosed with this complaint ) To my utter surprise, on XX/XX/XXXX, I was notified by the XXXX  XXXX XXXX  credit monitoring service of a potentially major derogatory collections report for {$170.00} that was filed by MBA Law Offices/XXXX ( see the derogatory report provided with this complaint ). I have no idea who this company is an why they attempting to damage credit for money that I do not owe. 

In an effort to get the bottom of this and resolve this matter, I have spoken with both XXXX and XXXX, explained the situation and have initiated disputes. I have also contacted MBA Law Offices/XXXX however they are not cooperative. The representative to whom I spoke indicated that this was related to an imaging service that I had at XXXX XXXX XXXX XXXX and had paid {$67.00} and that there was a balance due. I explained to her that this was incorrect, that XXXX, my insurance carrier paid and balance to the provider under my plan. I told her that at no point during my treatment was I ever required to pay more than the co-pay for imaging services under my plan with XXXX. I explained to her that I did not owe any money and that they had incorrect information and that I am being victimized by their bad information and derogatory report against me for what I do not owe. 

Following my conversation with XXXX  and XXXX, I have XXXX MBA Law Offices/XXXX and have learned that this company buys medical debt in bulk and aggressively pursues individuals with collections even if the information that they have on the discounted debt they purchase is not accurate and I am now a victim of this practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
On XX/XX/2019, I called GM Financial and spoke with a representative named XXXX, to discuss how to XXXX out my XX/XX/2019 bill. She put me on a brief hold to do some research on my bill. She also told me to pay {$570.00}, of which I immediately did. After I paid the amount in full of {$570.00}, with my visa debit card, XXXX then told me that I was fine until XX/XX/2019. On XX/XX/19 I received a bill for {$570.00}, although the car payment is {$460.00}. I then called GM financial and spoke with XXXX a servicing specialist and XXXX a supervisor regarding the issue. I asked if I could hear the recorded call from when I spoke to the representative XXXX on XX/XX/19 to verify the amount the representative quoted me of {$570.00}, in addition to her stating that my bill was paid in full to XXXX out my balance and I was fine until XX/XX/19,  after paying the amount quoted. I was told by both representatives that calls could not be recorded in PA. I then asked about the notes the representative took during our call, and was informed that she did not take any notes regrading to the matter. XXXX, supervisor at GM Financial refused to further the investigation, although he finally took notes after I spoke with him with frustrated ; he also refused to speak with the representative XXXX regarding the matter, although I questioned about it. XXXX was very arrogant and stated that I was 17 days in rears of funds owed and refused to adjust the amount of {$100.00} which is claimed owed. I called to get my payments on track with GM Financial and XXXX out my account ; I feel deceived and violated as a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had XXXX transactions with Citibank, XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX, both for XXXX XXXX. I contacted the hotel since the guest I paid the reservation for became ill due to substandard conditions at hotel, but they offered no compensation and were unsympathetic. I contacted the corporate office, they didn't respond either. And I disputed the amounts with my bank, but after offering provisional credits they subsequently reversed them.

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 2019-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
You guys really need to get out and start investigating banks. Ok here we go : Openened an checking account online on or about XX/XX/XXXX deposited {$1000.00} to fund it. Today (XX/XX/XXXX ) go into my local branch in XXXX, CA to activate debit card ( which i did, and make another deposit of XXXX, and open a savings account or so I thought. When I see a " banker '' to open a savings everything seemed to go through until the end when she told me there was a problem, and " she was new here '' and she had to talk to her " manager '' she comes back to tell me that I " can not '' open a savings account ( I thought checking accounts were the tough account to get ) furthermore she told me that my checking account that was approved was " in jeopardy ''. I then told her to get her manager. The manager said I needed a copy of my SSN ( for a savings??? account?? ). Oh yeah, I had a Citibank account about 4 years ago ( which I closed on my own volition ). My credit last I check was in the 600 range so, ... ..Citibank why can't I open this savings? Is it because I made the mistake of going into a branch where you could see my race ( XXXX XXXX )? That would be illegal!

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 2019-05-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXXXXXXXX/XX/XXXXXXXXXXXXXXXXXXXXXXXX,OhioXXXX[XXXXXXXX,XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX,mdXXXXXXXX:Disputingerror[s]oncreditreportDearXXXXXXXXXXXXIamwritingtorequestacorrectionofthefollowinginformationthatappearsonmy[XXXX,Experian,XXXX]consumerreport:Dispute1[Theseareexamples.Picktheonesthatapplytoyourcreditreport.]AccountNumberorotherinformationtoidentifyaccount:[XXXXXXXXXXXX,reportedbalance{$1100.00}]Datesassociatedwithitembeingdisputed:[XXXXXXXX(3years,9months]Explanationofitembeingdisputed:[Insertadetailedexplanationofwhytheinformationisinaccurate.Chooseoneofthechoicesbelowifitfits,oraddyourowndescription.]ThereportshowsIcurrentlyowemoneytoyourcompanythatisnotaccurate.IstopedstopedusingXXXXinXX/XX/XXXXasIdidn'thaveanycontractatatime,asIalsowastravellingtravellingXXXXtostaywithmyforawhileIstayedtherefor3yearsbeforeIreturnedbackinthestates.

Thankyouforyourassistance.

Sincerely,XXXXXXXX

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 2019-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
On XX/XX/2019 our mortgage was transferred to XXXX XXXX to PHH Mortgage who merged with XXXX PHH informed us. For some reason PHH mortgage is charging my wife and I an additional {$150.00} each month for " hazard escrow '' and " other taxes. '' PHH mortgage told us that they provided their own insurance company for flood insurance for us without our consent. We have our own flood insurance we've been paying for on the building. Our building has insurance, as well as flood, we don't need insurance provided for us. I have provided supporting documents to the mortgage company several times. They told us an escrow analysis was completed and there is no additional flood insurance being billed to us by PHH mortgage. Today as of XX/XX/2019, we just paid this not needed flood insurance. We have overpaid for this 2 months in a row. Today at XXXX, I spoke to XXXX ( badge ID # XXXX ) from PHH mortgage. XXXX was not cooperative. XXXX said that we are not being billed for this, yet I still show I am being billed for it. I have all the evidence, and will submit the documents showing this. XXXX tried to tell me since we were a little behind in our mortgage, the account will NOT be brought up to the correct status until we pay the past amount payments including late charges. I was told 3 weeks ago that as long we continue to make our current monthly payments, the home is not in jeopardy of any kind of foreclosure. I also informed them that we will take care of this asap. I feel like they are trying to extort us. This is illegal practice. We didn't ask, or need flood insurance and need this removed immediately and need a check sent to us via XXXX for {$310.00}. This is the exact amount we overpaid. 
Warm Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
I filed a homeowners insurance claim and was issued a claim check for the repairs. It was made payable to my mortgage company fifth third bank and to myself. I called fifth third and was told for faster service to also provide their loss draft dept with my adjusters worksheet and a prepaid next day air envelope for them to return it to me. Which I did. They advised me that the process would take 3-5 business days. They received my check on XX/XX/XXXX at XXXX. They misplaced my check on someones desk for the next 5 days. On Thursday XX/XX/XXXX i called and spoke to a agent who tried to help but said she can not help me as she does not know where my check is and that things are so messed up in their loss draft dept that she was going to quit by the end of the day. She then started to cry and put me on hold. After about 20 min a supervisor ( XXXX XXXX XXXX XXXX ) can on the line and told me that she was sorry my check had not been processed and that she was personally going to get it endorsed and over nighted back to me. She assured me that she would be calling me back by days end with a tracking number to the return check and that they would NOT be using the certified envelope that I had provided them. The day went on with no call from Miss XXXX. I called and left 2 voicemail for her asking where my tracking number was as promised. I have not heard anything back from miss XXXX and the morning of XX/XX/XXXX I called the loss draft dept again. After 45 min on hold I explained the whole story to the agent who then transferred me to Miss XXXX   associate " XXXX ''. She told me that XXXX had tasked her with sending my check out and getting me a tracking number and that she had forgotten and was doing it as we speak and that she had also missed the cut off time for XXXX pick up for XX/XX/XXXX. She gave me a tracking number and said she paid {$65.00} to have it overnight XXXX to me for a Sat delivery. That was on XX/XX/XXXX. Sense XX/XX/XXXX the overnight tracking number has not moved. XXXX has not received the package to scan it in. My check has not been endorsed, is still lost or sitting on someones desk. On XX/XX/XXXX i called Miss XXXX phone and finally she actually answered. I explained the ongoing issue with her and she said there was nothing more she could do to help me. She did not know where my claim check was and that I could take this up with her supervisors if I wish. Fifth Third loss draft dept has had my claim check now for 11 days and they refuse to endorse and send it back to me. I have been living in a house with no kitchen or floor for 1 month now and need to pay contractors to repair my damage. Can you please help ASAP?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: IN

Complaint narrative:
I went to a company for purposes of paying off my mortgage note. This company examined the loan and the transfers of my mortgage note, and noticed that the most recent transfer was invalid, which consequently does NOT validate a foreclosure sale. The transfer was to XXXX XXXX XXXX, however to validate the assignment, Article 9, UCC requires a 3 prong criteria to be followed ; 1 ) Value must be given 2 ) The seller must have the authority to transfer rights in the note ; and 3 ) The buyer must take possession of the note pursuant to the security agreement signed by the debtor. Upon investigation when this Note was assigned on XX/XX/XXXX to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The document was signed by XXXX XXXX XXXX as manager of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX as 'Attorney in fact ' for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NOTE : Handwritten on the document is the statement : " POA to be recorded immediately prior to this document ''. However, no POA was ever recorded. My concern was mailed on XX/XX/XXXX and I received a response on XX/XX/XXXX from the lender, states info could not be retrieved.

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 2019-05-20 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: Northstar Location Services, LLC
State: VA

Complaint narrative:
Northstar Location Services called my sister just now and left a message trying to collect my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX XXXX called my sister just now and left a message trying to collect my 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 2019-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
-I had 10 unauthorized transfers out of my Chase Bank checking account totaling {$49000.00}. Starting on XX/XX/2019 thru XX/XX/2019. The transfers were carried out via the XXXX system. The money went to a XXXX XXXX according to the notes on my statement. I had not heard of XXXX at the time and when I go online to my account it says I need to sign up for it to use, which I have not. I have never heard of XXXX XXXX either. No one else has access to my account. 
I was never notified by Chase that I had signed up for XXXX nor of any of the transactions as they occurred. 
-I notified my Chase branch on XX/XX/XXXX or XXXX and they helped me file a complaint for investigation. Chase credited me the {$49000.00} back, but later reversed that and took the {$49000.00} out of my account. They said their investigation showed that the transfers were made by my device. They provided a IP Address ( XXXX ) which belongs the XXXX XXXX XXXX which is not my ISP Provider my IP Address is XXXX. Chase doesn't seem interested in this information and their fraud department forwards me to a call center that just tells me my claim has been denied. They won't provide me with any more information, such as where the and who the money went to. 
-I have banked with Chase for over 30 years and have borrowed amounts in the low 7 digits from them ( albeit some years ago ) in my business endeavors over the years, so I am not an unknown entity to them. 
- I filed a police report XX/XX/2019 with the XXXX Police Department XXXX XXXX when Chase denied the claim, as I originally thought it was just a mistake. 
- I run a small business with 6 employees and it is not unlikely that we will shut our doors as a result of this loss.

Company response to consumer: Closed with monetary relief