vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Calvary SPV I, LLC, original debt is XXXX. I went through hardships and lost my business, aka XXXX/job   after 16 years. Kept paying on dept to XXXX and creditor kept charging outrageous interest, penalties, and fines. Eventually XXXX locked me out of the account and I could not pay my bill then sold debt to Calvary SPV I LLC. without any notice to me. Calvary Spv I LLC contacted me aggressively and constantly, morning, afternoon, and night including weekends. Eventually got too aggressive and threatening they were asked to stop calling me. I am assuming it is a credit card that I was paying on. Calvary doesn't talk to me and directs me to the attorneys which they also refused to talk to me without giving them my social security number, though there are other ways to pull up my information like address, phone number and verifying that normally is enough. For security reasons I can't give sensitive info like a social over the phone to just anyone. For these reasons mentioned about and not being able to verify the debt, I now question the validity and dispute any allege debt in its whole. I need all information to verify said debt ; payments made information, interest rate, transfers, charges and complete history of " Alleged '' Debt. This creditor and its attorneys have refused to talk to me and get too hostile to deal with. I require all documentation associated with said debt and harrassing action, yelling, and legal action stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
Dear, CFPB Phoenix Financial services is trying to re-age a debt for collection purposes. Therefore, cause serious problems with interest rates with my personal finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: MN

Complaint narrative:
Im not sure how this is on my records but the company will not prove its mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The bank urges us to use their smartphone app to deposit checks without having to go to the bank. I did this a year ago and they put a hold on the deposit for two weeks saying it was a large deposit from a private party ( check ). I went through my business with them, that I sell a high ticket product to individuals and if they look they will see that all my deposits are from private individuals, via personal checks, and are all for {$5000.00} or more. They agreed and made the funds available eventually and said it wouldn't happen again. 
Guess what? Exact same thing Thursday XX/XX/XXXX. Friday I contacted the same person from the executive appeals office and he said the same thing - " private check / large amount ''. I reminded him of previous issue, no bounced checks ever from these clients, etc. he said too bad. Wait a couple weeks - while they have the money from the other bank but won't make it available to me. 
Very difficult on a small business when clients finally pay $ XXXX and then the bank wants to sit on it for half a month. 
I emailed the President and each member of the Board of Directors at Bank of America - no reply. Can you help?

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 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I received a letter dated XX/XX/19 from Union Bank stating that they are closing my account. I called the phone number on the letter and a automated system answered as Union Bank BSA Compliance Department. It instructed me to leave a message and that they would call me back within 2 business days. They called me and would not give me a reason why they are closing my account. They informed me that I am not able or allowed to open another account with them either. I feel as a consumer that I have a right to know why they are doing this. I have handled my account in good standing for 17 years. I have never overdrawn my account or written bad checks so I'm very confused why they decided to close it. 

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 2019-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX, original debt is Citibank. I went through hardships and lost my business, aka shop/job after 16 years. Kept paying on dept to Citibank and creditor kept charging outrageous interest, penalties, and fines. Eventually Citibank locked me out of the account and I could not pay my bill then sold debt to XXXX XXXX XXXX XXXX. without any notice to me. XXXX XXXX XXXX XXXX contacted me aggressively and constantly, morning, afternoon, and night including weekends. Eventually got too aggressive and threatening they were asked to stop calling me. I am assuming it is a credit card that I was paying on. XXXX doesn't talk to me and directs me to the attorneys which they also refused to talk to me without giving them my social security number, though there are other ways to pull up my information like address, phone number and verifying that normally is enough. For security reasons I can't give sensitive info like a social over the phone to just anyone. For these reasons mentioned about and not being able to verify the debt, I now question the validity and dispute any allege debt in its whole. I need all information to verify said debt ; payments made information, interest rate, transfers, charges and complete history of " Alleged '' Debt. This creditor and its attorneys have refused to talk to me and get too hostile to deal with. I require all documentation associated with said debt and harrassing action, yelling, and legal action stopped.

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 2019-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
The mortgage took over 60 days to close. When LoanDepot finally scheduled the closing a notary was sent to my house with the wrong paperwork. When asked to sign I was also told I would need to write a check for ~ {$2700.00} which was not what was agreed upon in the closing disclosure. Loan Depot was unavailable to answer the phone during my closing even though it was during business hours. They finally remediated it and I closed on XX/XX/2019. To date, they have still not funded my loan and I have incurred late fees and potential hits to my credit. I followed the advice of my Account manager in late XX/XX/XXXX to take a 2 month payment vacation and have not paid my mortgage. After calling them I have been told that I need to pay my mortgage now because they may not fund it on time. I have been lied to and deceived during this process and I have incurred damages caused by LoanDepot. I was told I wouldn't need to make mortgage payments after closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have repeatedly asked Bank of America to cancel the two {$30.00} stop payment fees on two checks each one for {$54.00}. I went to its branch in XXXX, New Jersey. I spoke at length to the branch manage in XXXX, New Jersey who was none to friendly or kind. It is unjust and usurious to charge me {$30.00} to stop a {$54.00} check! The branch manager said " We do not have a sliding scale. '' Ridiculous! The Bank of America should. Am I to be told that there would be a {$30.00} stop check fee for a {$5.00} check? Or a {$30.00} fee for a {$2.00} check? 

Furthermore, the two checks were to the a court of law that failed to process the check and so I cancelled payment of the checks! 

I am willing to pay something but not {$30.00} per check and I made that abundantly clear repeatedly to the branch manager who paid me no mind! 

Outrageous! 

The Bank of America may not cancel my accounts because of my complaint as that would be obstruction of justice and interference with the administration of government. Both are felonies under the law! 

XXXX XXXX, XXXX. XXXX. 
XXXX XXXX  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 monetary relief
Consumer complaint received 2019-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol One had fraud charges on my quiksilver card. 
I had no idea these charges occurred in XX/XX/2019. 
They were small -- less than XXXX dollars. 
When I did not get the bill, notice, email or text alert, they charged late fees. 
They charged interest. 
They had credit card fees that were over {$100.00}. 
So now they said I owed over {$140.00}. 
Somehow, I became aware in XX/XX/2019, and promptly called them and arranged for payment by phone to bring the account current. 
They were also supposed to open an investigation. 
They did not. 
The operator did not properly make the check by phone. 
So the account got charged off. 
It severely damaged my credit. 
I called them in XX/XX/XXXX. I called them again XX/XX/XXXX. They finally called and said they would fix it. They admitted to the mistake being on their end. They said they would reinstate the account. They said they would send me my rewards money. They did not. They reported to the credit agency that the account was late and charged off. Then they updated to say the account was closed at my request. All of this was not true. I told them to reinstate as long as they did not run hard credit check. The woman said she would get back to me and never did. 
The account was open for 4 years and that history being off my report damages my score. 
They also stole my reward money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-22 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: ID Analytics, Inc.
State: WA

Complaint narrative:
After unexpectedly being denied credit, I contacted Sagestream , LLC in writing on XX/XX/19 to request a copy of my credit report. I did not receive a reply. I left a voice mail on XX/XX/19, XX/XX/19, and XX/XX/19 requesting that someone call me back so that I may receive my credit report. Sagestream LLCs answering service says that they will return calls within one business day, but none of my calls have been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian credit report is showing account that is fraudulent. The collection account is in the amount of $ XXXX.The creditor is XXXX XXXX XXXX XXXX.Date opened XX/XX/2019. Address ID # 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 non-monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have paid all my Citi account on time and want this history on my report. 
It is blank and considered negative. 
When I call Citi, they say they do not know what I am talking about. 
I give them the info off the credit report. 
The credit bureaus report it as potentially negative so it is holding my score down. 
I want the updated history that shows several years of being paid on time. Or remove it.

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 2019-11-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2019 I ordered two items with my Chase/Amazon XXXX credit card from Amazon. I received only 1 of the items and spoke to Amazon, then Chase, and requested full credit for the item I did not receive. Both refused to issue the credit. 

In addition to this fraud, of charging my credit card for something I never received, I also have been defrauded by paying for XXXX  membership associated with this card. Conditions of XXXX membership advertise that any item designated as a XXXX item is delivered within 2 days of placing the order or the item is sent without charge to the customer. This did not occur. The same delivery vendor ( XXXX  ) delivered the second item in the order but failed to deliver the main and more expensive item in the same order. It is a book by XXXX XXXX and cost {$31.00} plus tax. Since Amazon likes to hide what it charges people for tax ( another of its many frauds ), I can only estimate that it charged just under {$2.00} for the tax on this book. So I requested a credit of {$33.00} for the missing book and both Amazon and Chase refused to issue the credit. Amazon, in the typical theft it is allowed to engage in with its XXXX credit card and membership fees, wanted to offer me a {$5.00} coupon for something I never received while charging me between 6 to 7 times that amount for the phantom item. Chase told me to call again tomorrow to provide the same information. I will not do it. I gave it the information, explaining in detail why the book was not received with the rest of the same order. I should not have to repeat all of this information for yet a third time, just because Amazon and  Chase have some mutually beneficial arrangements to defraud the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: TX

Complaint narrative:
Equifax shows on my credit report that I haven't made XXXX XXXX  payment ( XXXX  ) for XX/XX/XXXXthru XX/XX/XXXX. I called Arizona XXXX and they told me ( and I verified thru their automated system ) that they were reporting payments made for these dates in XX/XX/XXXX. XXXX sent me a printout showing the payment history for the dates in question. Therefore onXX/XX/XXXX once receiving this report I submitted a dispute to correct this information. At the same time that I submitted a dispute with Equifax I also submitted a dispute with XXXX  and XXXX  to correct the same reporting error. I also submitted a copy of the envelope that XXXX sent me the report and an official letter from Social Security Administration showing the deduction from my XXXX payments starting in XX/XX/XXXX when the first payment was due ( this new XXXX XXXX debt was discovered from a new payment history report run by XXXX in XX/XX/XXXX showing an error reported in my favor from back in XX/XX/XXXXand creating a past due amount with penalties ). The amount deducted in the XX/XX/XXXX letter from SSA was what XXXX and I had agreed upon to pay monthly. Today, XXXX  and XXXX corrected the reporting error but Equifax refuses to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Student Loan Finance Corporation
State: AZ

Complaint narrative:
RSLFC is claiming payment for a loan I did not received. 

On XX/XX/19 I contacted RSLFC and they said they did not have any record with my name about a loan. 

On XX/XX/19, RSLFC claim a loan bought from another financial company which I am not responsable to pay : 1 ) XXXX XXXX XXXX XXXX was notified to cancel the loan with a XXXX XXXX for incorrect dental estimate. 

2 ) The XXXX XXXX stop the procedure and never mail any claim for the amount of any service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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 — Was not notified of investigation status or results
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This account is already TRANSFERRED/SOLD however this account still reports repetitive late payments which is severely affecting my scores.

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 2019-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: WA

Complaint narrative:
I found out from my credit monitoring app that Americollect had posted a debt for collection from 2014 from a medical place. I never received any phone calls or mail regarding a collection in this amount for this debt. Ever. If they called, they did not say anything about a collection or money being owed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I got my credit checked today XX/XX/19 because I want to refinance my car and I am unable to do so because there are several accounts reflecting badly on my credit report. There are about ten accounts on my report that are not mine. I had no idea that these accounts were open in my name before today ; I did not give anyone permission to open all of these accounts nor have I ever opened an account with any of those companies. I did not benefit anything from these accounts nor did I take part in any transactions that were made with these accounts. I do not have any signed or verbal contract with any of these companies and I filed a police report regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On or around XX/XX/2019 I received a statement that showed 5 different APRs on my statement and a fraudulent charge. At this time I disputed the information in its entirety in accordance with the Fair Credit Billing Act ( FCBA ) in which I asked for a request for clarification of charges and APR as I believe the bill to be inaccurate. Please Note that this dispute was done in writing to TD Bank, XXXX. XXXX XXXX, XXXX, GA XXXX in accordance with Page 2 of the Statement with the account information, dollar amount, and a description of the problem. In addition this was down over the phone to XXXX as specified in page 2 of the consumer statement. During this time Page 2 specifically states " while we ( TD bank ) investigate whether or not there has been an error, the following are true : We can not try to collect the amount in question, or report you as delinquent on that amount ''. Despite TD Banks own written statements and contract they have continue to attempt to collect the amount in question and have reported me to the credit report agency as delinquent. As of the date of this complaint I still have not been updated in writing to the status of the investigation or whether or not there has been an error. Due to the amount that was disputed being reported in violation of the credit card agreement and Fair Credit Billing Act ( FCBA ) which states that a consumer " may withhold payment on a disputed during the investigation '' in addition the FCBA also states that " the creditor may not ... report you as delinquent ''. After TD Bank violation the card agreement and the FCBA the consumer reported the issues the the credit bureau and TD Bank once again report this a consumer as delinquent again a violation of the credit card agreement and federal law. Throughout this process TD bank has not conformed to the Credit CARD Act by actively attempting to shield transparency from the consumer. In addition TD Bank has not conformed the their credit card agreement pacifically section 9B " How to dispute reports regarding your account '' which states that they will notify the consumer of the results " within 30 days ''.

Company response to consumer: Closed with non-monetary relief