vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I discontinued insurance with XXXX and ended my policy. I was told by XXXX  that the policy amount was prorated and I paid for the amount of service i retained. I told this CCS company that this was settled and please stop sending harassing letters because I don't owe XXXX. Company has not responded to the requests I have made for proof and to please close and remove for my credit reports. I have also contacted the three credit bureaus for an  investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was denied credit due to a credit report the potential lender had received from Experian so I wanted to get my credit report online, but the system wasnt loading " at that time '' I tried Friday and Monday. Anyways they let me print out a page to mail to them, BUT they want my photo id ( In the mail?! ) and a utility bill with current address. My issue is, if they have enough information on my name to get me denied credit, w/o asking me for proof of who I am, then why wont they send me, at my address of record, the same report, without trying to squeeze out even MORE personal information? So now they will have my driver record and which electric co and how much electricity I use, in addiion to what they already have on me? Is this legal? XXXX gave my my report in no time, on-line, without trying to coerce more personal info! 
Thank you

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 2018-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC System is reporting 1 debt as 4 separate accounts although it's 1 account from 1 physician for 1 patient. I contacted the company on XX/XX/2018 and was told instead of reporting the 1 account as a whole they broke up the charges into service dates and reported each date separately. I have a letter from IC System dated XX/XX/2018 which lists 1 total balance of {$1100.00} NO individual charges or service dates listed. 
On XX/XX/2018 IC Systems reported 4 separate accounts for {$500.00}, {$310.00}, {$210.00}, {$90.00}. This is deceptive and was done purposely to have the biggest negative impact on my credit score. There is 1 account and only 1 amount.

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 2018-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I applied for a Chase Credit Card while booking a flight on XXXX XXXX. They had very large and bright advertising stating EARN XXXX points when you spend {$2000.00} in the first 3 months. {$69.00} fee applied to your first statement. APPLY NOW. I applied and booked my flight using that new credit card, which it also advertised .. you can use your card for this flight. 
When I got my first statement from Chase, it showed a {$200.00} credit on my flight. Months later I saw a XXXX point transfer to my rapid rewards. 
In XXXX, I called to question the XXXX points and was told it could take up to 3 months to show. 
When I still did not see it in XXXX, I called again and was told that MY offer was a {$200.00} credit and XXXX points. Since that is not what I applied for, the service rep said he would write it up and send it to the marketing team. 
On XX/XX/XXXX I received a letter from Card member Service stating information that I was requesting a new enrollment bonus offer of XXXX points but it was not available on my credit card. Nothing about the fact I felt they advertised one thing and gave me a lesser thing. 
I figured I was not the only person this happened to and looked it up on the internet and found this exact thing had happened to several other customers. Several complaints about the advertised XXXX points and then only getting XXXX points and a {$200.00} credit. 
I called Chase XXXX XXXX XXXX again today XX/XX/XXXX and the representative said she would submit to the marketing team a request for XXXX points, which was the offer available right now but that the {$200.00} credited would need to be recharged to the card. I agreed to that because I'm not looking for extra. I'm looking for the XXXX points and was willing to compromise with XXXX. 
I asked the representative why marketing would give me the XXXX points this time as opposed to rejecting the last request and she said they may not, this is just a request. 
I feel like in a week I'll get another letter stating they are not honoring the original offer but just do this back and forth until the consumers tire and give up. 

I told the rep I was going to file an attorney general complaint but wanted to give them an opportunity to make it right first and she said all she could do was submit a request again to marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
When I bought this car *XXXX  years old, 36 hours of work a week at {$9.00} an hour. I got approved for a car that was worth {$15000.00} for {$23000.00}. The vehicle I had bought from them broke down and due to lemon law ( I put almost 3,000 dollars into it myself in a month ) I took it back and they should of taken it back. They knew they sold me a lemon and refused to deal with me. Now I have a loan for {$23000.00} with 18.9 % interest and I do not have GAP or any warranties. Being that flipped I should have been FORCED to get gap, but no they gave me a wheel and tire warranty instead and I had no idea. I signed the papers because I desperately needed a car for work, I was in their office for 7 HOURS and Santander Consumer USA approved the loan. Now I didn't give them any income verification ... I've asked them for EVERYTHING that has my name on it, from income verification, contracts etc. They will only give me my contract and they question me on the phone about why I need it. I shouldn't have to answer that, give me what I requested. Now I'm not able to afford it along with my other debts and I'm tetering against Financial Bankruptcy at XXXX years old or letting my car get voluntary repossessed and losing my job because of no car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Bank of America gave a {$25000.00} cashier 's check out of my savings account. The person went into a branch in XXXX, XXXX  for the transaction. I live and back in XXXX. Bank of America did not properly verify identity. I have a copy of the signature card on file since XX/XX/XXXX that I got from my local branch so I know B of A has a signature card for my accounts and the signatures don't match. I filed an FTC report and I have sent numerous letters to B of A asking them to return my money and certifying that it was not me who made the withdrawal. I have also filed police reports. I have also made numerous calls to B of A and requested a call back from the analyst handling my claim. I have never received any response from B of A. I asked if I should move the remainder of my money to a new bank. I was assured by B of A that was not necessary. They moved what was left of my money to a new account and I was told there were numerous security alerts and this could not happen again. Then on XX/XX/XXXX, XXXX at that XXXX XXXX branch on XXXX XXXX called me and said another $ XXXX in cash wash just withdrawn from my new account plus a $ XXXX cashiers check. I told him it wasn't me. They stopped the $ XXXX check and arrested someone with that but my $ XXXX is now gone along with the original $ XXXX and B of A has done nothing and refuses to give back my money. They are negligent in the handling of my accounts. Especially to let the same thing happen twice when they assured me it couldn't. XXXX ( branch manager in  XXXX ) told me it was an XXXX XXXX man with a fake ID. I am XXXX. I don't know how it could be more clear that I did not make or authorize these withdrawals. An arrest has been made in connection with the fraud. Bank of America has the video and all the evidence it needs to show this was not me. I have spent countless hours in my local branch and on the phone to B of A and they refuse to return my money. The gave away my money and mishandled my account. They did not take proper steps to verify before allowing someone to withdraw my money. XXXX at B of A even told me the guy didn't have my new account number, he had them look it up. Why would you give out someone's account number when there are alerts that there has already been fraud on their account??? B of A said the balance of $ XXXX would alert anyone who looked at my account profile that there'd been fraud yet the gave away more money to the same thief!!

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 monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
The outstanding debt was paid to XXXX directly and by law, they must recall the account from XXXX XXXX. Therefore, XXXX XXXX has no legal reason to be reporting on my credit reports and must delete.

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 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX stated to me on XX/XX/XXXX that I had a debt to them for {$2500.00} that they was sent from another collection company being XXXXXXXX XXXX in which is XXXX XXXX. XXXX XXXX XXXX did not send me any kind of letter of no kind to the said debt by law. I also had a right to dispute the debt before XXXX XXXX XXXX placed it on my credit file. XXXX XXXX XXXX could not even tell me what the debt was they told me to call XXXX which is XXXX XXXX phone number in which I called and was told it was being sent back to XXXX XXXX XXXX. I have also place a copy from the Consumer Financial Protection Bureau Complaint Number XXXX dated back on XX/XX/XXXX as submitted and XXXX XXXX responded back on XX/XX/XXXX as the disputed account has been removed from my credit report and that all 3 credit bureaus should have been sent as well. XXXX has been nothing but a nightmare dealing with the issue at hand. 
Attach is a copy from the company responded back as to the complaint filed to the Consumer Financial protection Bureau complaint number XXXX as proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX I fell behind in payments as a result of a divorce and reached out to Wells Fargo to advise even though my wife at the time had missed payments. Through some hard work and careful planning we were successful in selling our home in a standard sale on XX/XX/XXXX. Although we sold our home and made Wells Fargo whole, Wells Fargo is reporting on my credit report that they foreclosed on my home. The process in California to foreclose is as follows : Prior to foreclosing on a home a lender must record a Notice of Default. The Notice must remain in place for three months after which time the lender can record a Notice of Trustee Sale which can take place at public auction in no less than twenty-one days. The Notice of Default was  recorded on XX/XX/XXXX and Wells Fargo was paid in full on XX/XX/XXXX. The payoff occurred through a standard sale, Wells Fargo did not foreclose and at the time was not legally able to foreclose since the Notice of Default period had not elapsed.

This is yet another systematic failure for Wells Fargo. Wells Fargo knows they have reported foreclosures erroneously for me and several thousand other borrowers. This should be dealt with immediately and with the full force of the law. This is a shameful practice. this issue has resulted in me being rejected for credit and has caused me to pay more in interest for the credit that was granted to me.

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 2018-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: FL

Complaint narrative:
I have a mortgage with Statebridge Company ( NMLS ID # XXXX ). It is for a small condo in Florida where I live. The loan was originated by XXXX back in XX/XX/2003. My principle and interest payments are {$430.00} per month. Until last year, my escrow payments were about {$60.00} a month for taxes only. Since the property is a condo, the property insurance comes out of my HOA fees. Last year, Statebridge required I show them that I already have property insurance even though Florida Condo laws requires the HOA cover the structures. When I didn't provide proof fast enough, they forced insured me. Once they accepted my insurance certificate, they reimbursed my account. However, they haven't adjusted my escrow payment of {$280.00}. Their projection of my property taxes is {$64.00} which means they are collecting {$210.00} more than what is needed. 

I have tried to get them to adjust the amount but they won't respond. They also won't count my payments unless the entire amount including the escrow overpayment is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On 6 different occasions CitiBank had contacted me by mail, or through their website when I login asking for information for their " Know Your Client '' initative. I have provided the same information over and over to them. I have been to my local branch working with their representative to solve the issue as well with no avail. As of XX/XX/XXXX they indicated that if I don't provide additional information they would freeze my account. 

Being very frustrated, I still decided to contact them again and provide the same information over. the representative who was offshore assured me that they have all the information they need and nothing else was needed. Thursday, XX/XX/XXXX Logged into my account to see all 3 of my accounts have been frozen. I can't pay my bills, I can't wire money to may account which causes an issue since many of the creditors I pay have ACH setup. 

I went back to the branch again and the the representative XXXX XXXX apologized and made every attempt to resolve the issue by making phone calls internally. She indicated this could take hours and that she would call me back. I got an email form the VP of the Branch XXXX XXXX XXXX on Friday saying that he was working on the issue. 

I even called the XXXX # and connected with the representative that would not allow me to speak to a supervisor. I got hung up on and called again and connected with a Supervisor who said they needed a copy of my driver 's license which I emailed to them immediately and got a confirmation. I was told that someone would call me on Friday to give me an update or to let me know when my account was unfrozen. As of right now no one has called me, my account is still frozen. I have bills that I am unable to pay including a mortgage. 

I have been a client of CitiBank since XXXX they are the only bank I use for my personal banking, I have 3 account with them all my income, and expenses is processed though their account.

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 2018-06-18 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: MI

Complaint narrative:
I called and talked to an agent with the ID # XXXX as well as her supervisor with agent ID # XXXX on XX/XX/2018 about accounts listed on my credit report as open and in collections. As well I filed a dispute online a month ago. They refused to fix it. I have documentation in the form of Filed Bankruptcy Schedules as well as a Order of Discharge under U.S.C. SS XXXX Ordered By the honorable XXXX XXXX XXXX Eastern District Federal Court Michigan on XX/XX/2018. As such all and any accounts included in the bankruptcy must be listed as closed and included in bankruptcy. The company is not acting in good faith to correct the issues. This has caused me personal damage. And is illegal under FCRA. I have attached a copy of my report that clearly shows a account listed as open and currently in collections. But it also says in Bankruptcy. As such they know it was discharged, and they refuse to fix it and close or remove the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX, and Capital One have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX % XXXX veteran very difficult. 

Hard Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX My Credit security was breached. On XX/XX/XXXX XXXX  reported a data breach impacting 145.5 million people. Get up-to-date info on XXXX XXXX Incident site. I was notified by XXXX XXXX : " Based on findings that go back as far as XXXX, weve found your info in an additional 1 breach. '' You've been in 2 breaches We checked our database of over 13 billion breached accounts and your email address, XXXX, showed up in 2 data  breaches. That means some online accounts and personal info may be compromised. Data breach details View the details for each breach here, and then follow the steps below to help protect your accounts and identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( also known as XXXX XXXX, XXXX XXXX, originally incorporated in the state of XXXX, is no longer in business. In XX/XX/XXXX, a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses, all of  which was used as part of an enormous spam operation. Once, de-duplicated, there were 393 million unique email addresses within the exposed data. Not Disclosed The name of this breach hasn't been shared publicly yet. This usually means it's part of an ongoing investigation, or the site could be considered controversial ( and it's hidden to respect your privacy ). Either way, your info is still exposed and you should take steps to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Account paid in FULL via phone with Ally Bank : Tuesday XX/XX/XXXX. 
Ally bank can not provide proof as to why suddenly additional amounts are owed. Have spoken to over 15 Ally Bank representatives trying to 1. get an exact dollar amount, which I cant 2. Have them provide me reasoning why this is owed. I have been in constant contact with Ally Bank. Recently spoke to ally bank regarding initial CFPB complaint. They advised me not to worry and that its being looked into, and that they would be in touch. Two days later ( on XX/XX/XXXX ) they put a derogatory mark on my credit. This is not fair. They are really interfering with my life. I have been trying to work with Ally Bank to resolve this with 0 assistance in the matter. They can prove me no documentation and no one will  work with me. 
Please note : Married Name : XXXX XXXX XXXX EST. XX/XX/XXXX ) Maiden Name : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, Bank of America issue a temporary debit card from my account to a person that I have never met. At the same time, the bank allowed this person to chose his own PIN and increased ATM withdraw limit. Immediately this person withdrew {$2400.00} from my account {$800.00} at a time, from ATM # XXXX, # XXXX and # XXXX. 

I received a text message stating my withdraw limit was increase and I immediately called Bank of America to report the fraud. The fraud was reported on XX/XX/XXXX. As of today XX/XX/XXXX, the fraud case is still in research and no provisional credit was received. I have called multiple times to inquire the process, the associate always state that they will escalate. However, nothing happens after that. 

I am shocked that a person I have never met in my life was able to convince Bank of America to issue him or her a debit card from my account. I placed my trust with Bank of America for years and it is disappointing the way they handle my fraud case.

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 monetary relief