vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
Company HCS ( Harverd collection systems ) constantly calls me over and over again about a medical bill they states i had service XXXX XXXX i explained to them i was not seen and i asked was this a emergency bill and what hospital is this amount coming from. The compant could not tell me exactly where the amount was coming from .I asked them several times to stop calling me and they keep contacting me harrassing me about debt i dont owe or dont know about stop contacting me they state i was the patient i couldnt have been unless someone used my information. i asked was it a child they said no either way it goes if it was for my child i would of provided insurance so they have the wrong person. The bill is on XX/XX/XXXX on new years day never been there send documenentation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
In the early XXXX, I opened an American Express credit card for my brother-in-laws travel agency. The card was used for this travel agency and no personal purposes. It was on auto-payment from a checking account which was closed. My brother-in-law told me he closed the card over 10 years ago, so I havent thought anything about this account. When I went to co-sign for my cousins student loans in XXXX, I was informed that I owed American Express this money. I had no idea as I never received any letters in the mail or any type of notification whatsoever. If American Express was trying to send me letters, I did not receive any at my only mailing address. Since no letters were mailed to my mailing address, I had no way of knowing if I was trying to be contacted. Turns out that the account was never closed as it would have been impossible for my brother-in-law to close it as he wasnt the account holder, only I was. I had no idea that this was happening though. A letter was written to American Express explaining the situation and we are awaiting a response from them and have been back and forth with them since XXXX. I spoke to someone at American Express and was told that even though I didn't put any charges on the card, the membership fees were continuing to be assessed and can not be rescinded. The card wasn't even being used! The account was charged off in collections and has now hindered my borrowing ability. This is a situation that is out of my control. I should not be held accountable for this as the card was never in my possession and no charges were made, it was only membership fees being assessed. 

As an aside, if anyone were to go back and look at my credit report, all of my lines of credit that I've taken out in my XXXX  years of life have been paid on time. I would never let an account be late or go to collections. This situation is not only ruining my life, but the lives of those who I wish to help out. At XXXX  years of age, I don't even know if I'll be alive in 7 years to see this situation go off of my record. Thank you for your attention to this matter and I hope the CFPB can be of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/2020 To Whom It May Concern : My name is XXXX XXXX. I was advised to submit a cover letter explaining my dispute of an account with J. P. Morgan Chase with a balance of XXXX. I have spoken with representatives and written a letter to J.P. Morgan Chase to dispute this account that I believe is fraudulent. I formerly had an account that was paid off years ago. 
Sincerely, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, we closed on our new mortgage with XXXX XXXX XXXX  and part of that closing, we were reassured that we could recast our loan. Shortly after closing our loan was sold to Dovenmuehle Mortgage. At the end of XX/XX/XXXX, we called the Dovenmuehle Mortgage and requested a call back regarding recasting the loan. In mid XXXX, we received a letter dated XX/XX/XXXX stating that they had received our inquiry and will respond within the time limit required by law. On XX/XX/XXXX, we called Dovenmuehle Mortgage and was advised that we had to send an email to XXXX. We sent our first email requesting a response to be recasting our loan, which we received no response. On XX/XX/XXXX, we sent a second email again requesting a call to discuss recasting our loan, which no response was received. In early XXXX, we received a letter dated XX/XX/XXXX, requesting an additional 15 days to respond to my inquiry and a promise we will respond no later than XX/XX/XXXX. On XX/XX/XXXX, we spoke to XXXX, Customer Service Supervisor for Dovenmuehle Mortgage, who advised that we had to send a request to XXXX, which we did on that day. On or around XX/XX/XXXX, we received a letter dated XX/XX/XXXX, stating that our Private Mortgage Insurance has been terminated. To date, we are still awaiting a response to recast our loan and have had to pay the Dovenmuehle Mortgage interest for the full amount costing us approximately {$900.00} in monthly interest when it should have been approximately {$330.00} per month and declining, as we would like to apply {$150000.00} towards the {$280000.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I requested debt validation from this company in 2019, no valid documentation was provided, nor any payments were made to this company. I also disputed this with all 3 credit bureaus. Debt was not removed from my credit report. This Collection company ( Portfolio Recovery Services is affecting my credit score, as they keep updating the account, which is illegally re-aging my account, which affects when it will naturally fall off my credit report. They are reporting late payments on my account showing a balance, which is also a violation. 

With everything going on with Covid-19, and in general it is very important that my credit report is correct accurate. I recently sent all 3 credit bureaus new dispute letters to start this process over to get this company removed from my credit reports for unethical practices. 

Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Trying to use XXXX App for investing. Unable to link my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: TN

Complaint narrative:
My unemployment insurance card was stolen out of my mailbox and I have tried and tried to get in touch with the the benefits issuer but non luck. I was supposed to have 2 deposits each {$1400.00} in which equal to {$2800.00} which was unauthorized card use. I cant order a replacement card even though my card is stolen and not in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, On XX/XX/2020 when the COVID-19 pandemic started. I wanted to cancel my international flight since at this time, the USA was at stay at home orders and the borders have been closed. My flight was for XXXX. I tried to get in contact many times with the airline and no response. They would just hang up or lie and say I got the wrong number after I asked about cancellation. So I decided to file a dispute with my credit card, to file a dispute on this transaction. They gave me a temporary credit of {$140.00} USD, which is how much I paid for the flight. 
During this time, I still tried to get in contact with the airline and still no response. 
XXXX came and went. My flight passed. 
So now is XXXX, still tried to contact the airline and no response. On XX/XX/2020, I notice on my credit card billing, that Citi has closed the dispute and decided on the merchant 's favor. So they reversed the transaction of {$140.00}. 
I don't know why they decided in the airlines favor, especially when my flight was in XXXX. So I have no flight, no refund, no nothing. I try to contact the bank, I have been on hold for 2 hours and I get hung up on. I don't know wha else to do.

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 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2020, I attempted to make a purchase via XXXX XXXX. It was during the review of my credit file that I learned of a freeze via a PIN. I have never ever put a freeze via Transunion  but several years ago, I did prevent access through XXXX. The problem is upon visiting Transunion  website much information is being advertise regarding this PIN. My question is how does Transunion  possess so much power that they can apply PINs without the consumer 's request. And, by doing so, never communicated such information to the consumer. My purchase through XXXX XXXX was hindered because of this PIN. Transunion site does not permit easy access to removal of such PIN without encountering a product that they seek the consumer to purchase.

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 2020-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I can not link my PNC account to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CUSTOMERS BANCORP, INC
State: NY

Complaint narrative:
XXXX XXXX XXXX Attachments Mon, XX/XX/XXXX XXXX XXXX XXXX  ( 4 days ago ) I wish to report a crime. I was robbed by Bank Mobile XXXX Bank located XXXX XXXX XXXX, XXXX XXXX CT. XXXX for {$4000.00}. The New York State Department  of Labor Unemployment Division sent my Unemployment Benefits via direct deposit to Bank Mobile XXXX ; However, Bank Mobile XXXX did not post the money to my account even after proof of direct deposit and trace request. I was simply told the bank did not get my money which is a lie!

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 2020-06-05 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: AZ

Complaint narrative:
We have been attempting to enroll in a Covid 19 program for payment assistance since XX/XX/XXXX. 
Here are the notes we have on our end : XX/XX/XXXX > first call to inquire about the program found on your website offering Covid 19 payment assistance. 
XX/XX/XXXX> emailed insurance declaration XX/XX/XXXX>spoke to a rep about a specific program ( temporary reduction via refiance for 4 months @ 6 % APR ) ; We were told that 1st Investors was not reporting any late payments at this time. 
XX/XX/XXXX> emailed insurance declaration again to another rep who said they could not find it XX/XX/XXXX>spoke with XXXX  for an update XX/XX/XXXX>Spoke with XXXX XXXX manager for an update XX/XX/XXXX>Spoke with XXXX for another update ; We were told that everything was received an we were awaiting for the next steps. We asked about credit reporting and he relayed to us that they were not reporting any late payments during this Covid crisis at the very least and not to worry about it at this point. 
XX/XX/XXXX> spoke to XXXX due to XXXX not available because of vacation and that the case # was now missing on the declaration for the insurance. 
XX/XX/XXXX> Spoke to XXXX XXXX ( another manager ) who said the insurance was still not updated in their system but was updated on the insurance system ( a conference call with the insurance company verified it was completed and on their system. XXXX at this point offered another program to enroll in if we were unsuccessful with the current one and was going to call us back with details. ( one month deferral program ). We never received another call back since. 
XX/XX/XXXX I spoke with a manager whom indicated that we still were not enrolled in a program and that we could start the process for a different program at which point I informed her that we were already attempting to refinance with a credit union. I asked her if we needed to make a payment in order to have to time to refinance which we knew could take about 10 days and she was unsure and directed me to call another #. 

At this point in time we have given up on any program and have successfully secured new financing from XXXX XXXX XXXX of XXXX. 
How ever, I was un pleasantly surprised to find any creditor reporting late payments of any kind while we are in this Covid Crisis period. 
We are both now unemployed and have no idea as to how long this will continue base on government guidelines. However the loan will be paid in full with in the next few days and I would like the credit department to remove the late payment and correctly place a paid in full closed account remark instead. 
I respectfully ask that this be done immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Contacted Apple Card regarding dispute on XX/XX/2020. On XX/XX/2020 Apple Card email me for additional information and response was given via replying to their email. I contacted Apple Card the week of XX/XX/2020 and was told the dispute is in second stage. On XX/XX/2020 Apple card email me to state the the dispute was no in my favor. I contacted Apple card by phone several time and was told that they never got my email with information that they needed. Apple card also told me that they got information from the merchant that sounded very suspicious, and my request for such information has been denied. My request to reopen the case was also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
Complaint ID XXXX On my first complaint I only mentioned about the escrow account problems Fay Servicing was charging me 3 times the actual real estate tax. 
1 Now I also find out that the Fay servicing did not pay for my homeowner Insource whereas they have enough money in my escrow account and they again showed falsely paid by them. 
Copy of my Insurance agent letter stating that fay did not pay for insurance ( annexure A ) is attached I paid the insurance bill copy attached ( annexure B ) Now there is no sense for Fay Serving to collect escrow from me I can pay my Insurance and real estate by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In XX/XX/2019, I was offered a balance transfer with a 0 % APR. On my most recent statement, the rate was increased to 22.99 % and I was charged {$150.00} in interest with no warning or notification. Capital One admitted that the last notification they provided was over 15 months ago, in XX/XX/2019. Additionally, while the XX/XX/2019 statement provided by Capital One does list the offer end date, it is not mentioned on the Account Terms which are legally binding. This is clearly out of line with industry practices as XXXX  XXXX XXXX has sent multiple notifications when their offers are ending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: TX

Complaint narrative:
I have been contacted for 3 days in a row by a " Debt collection agency '' called capital management services from the phone number XXXX stating that I owed a {$780.00} to XXXX XXXX credit card company. I told them I would not be giving them my information and I would settle this issue with the XXXX themselves. 

I had previously closed my XXXX XXXX account roughly 10 years ago and verified this by not being able to connect to their billing department because they did not have my social security number on 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 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IN

Complaint narrative:
PNC doesn't allow 3rd party linking of bank accounts. Specifically the company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been contacted for 3 days in a row by a " Debt collection agency '' called XXXX XXXX XXXX from the phone number XXXX stating that I owed a {$780.00} to best buys credit card company. I told them I would not be giving them my information and I would settle this issue with the BestBuy themselves. 

I had previously closed my best buy account roughly 10 years ago and verified this by not being able to connect to their billing department because they did not have my social security number on 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 2020-06-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
See attatched XX/XX/XXXX Letter from Equifax CONFIRMING : We recieved your request concerning your Equifax credit file. We are unable to locate a credit file for one of the following reasons : 1 ) * You may not have a current file.2 ) * You have not applied credit recently. * 3 ) You have not actively used credit in the past ten years. EQUIFAX MAINTAINS CREDIT FILES MAINLY ON US RESIDENTS. ** I HAVE NEVER BEEN OUT OF THIS COUNTRY IN MY XXXX  YEARS ON EARTH however XXXX XXXX Accessed my XXXX account XXXX. ** I had a credit file?? WHAT HAPPENED TO IT?? XX/XX/XXXX XXXX Alerted me XXXX XXXX Accesed my account.. Was it me I ANSWERED NO. XX/XX/XXXX UNAUTHORIZED TRANSACTIONS APPERRED ON TWO CREDITCARDS. XXXX  & XXXX FTC ID Theft Report is case XXXX. I WAS PART OF BREACH NOW NO FILE????? DID EQUIFAX BREACH CAUSE THE ID THEFT ON TWO CARDS?? IS ALL MY PRIVATE DATA ON DARK WEB TO FRAUD ME MORE??? Elderly XXXX American Citizen TARGET BY PROFILE ( * NO PROTECTION FROM CRIME. Please hear me " I CAN'T LIVE ''!! )

Company response to consumer: Closed with explanation