vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My Name is XXXX XXXX, I have been a victim of identity theft. I have dealt with this haunting issue for almost 10 years or so. 
In XXXX my information was breached due to a local medical facility called XXXX not securing medical records in a proper manner. Someone managed to open up a XXXX XXXX account and order phones which was finally Deleted from my credit report about 2 months ago. 
This same person managed to open up a XXXX XXXX credit card ( Account # XXXX ) in XXXX of XXXX and even managed use of it and made payments. I suspect that it was someone in my city because I never received a card or anything related to it. I tried to dispute this with XXXX  XXXX but they kept saying that the card was mine, I filed reports with the FTC and directly with XXXX, XXXX  and XXXX. 

I also had bank accounts that were opened in my name which the banks were able to close once I disputed and provided proof. XXXX XXXX XXXX and XXXX XXXX  and XXXX XXXX XXXX. All of these accounts were deleted successfully from my credit reports except for XXXX which is still on my XXXX. 

I also had a card fraudulently opened from XXXX XXXX XXXX ( Account # XXXX and, one in XX/XX/XXXX and one in XX/XX/XXXX. 

Finally, the most egregious one was opened in XX/XX/XXXX with Barclays ( Account # XXXX ). this card had the highest credit limit. I need these issues resolved because it has lead to all sorts of issues in my life. 
Ive tried to dispute these with the proper authorities and the companies themselves and Im not sure what kind of information they have but I assure you these credit lines are not mine. 

Attached is the report I filed with the FTC Back in XX/XX/XXXX to have these items removed from my credit report. 
I have also attached my Social Security card and Florida Drivers license. 

At this point I am Disputing the following : Barclays XXXX ( XXXX & XXXX ) XXXX XXXX XXXX ( XXXX  & XXXX ) XXXX XXXX XXXX ( XXXX  & XXXX ) XXXX XXXX XXXX ( XXXX  ) Respectfully, XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX FL 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 2019-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I purchased a house using my VA loan FLAGSTAR BANK last XX/XX/XXXX. when i closed i was told my insurance and taxes were included in my payments.of {$990.00}. 
In XX/XX/XXXXI recieved a letter from my insurance company to say that i never qualified for wind mididgation at closing last year, and that my insurnace had gone up from {$1000.00} to {$2000.00} Then my morgage company told me that becase they did my assesed taxes on the prior owner my taxes have trippled causing my morgage to go up by {$600.00} a month. 
I am a single woman vetran that has just been taken advantage off as I would never have purchased a house that a year later my payment would go up {$600.00} a month which i can not afford.I WILL NOT BE ABLE TO PAY THIS AND WILL LOOSE MY HOME. 
I feel the morgage company was very dishonest.

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 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received an insurance check for a roof leak. This check was for {$5600.00} and the adjuster report shows predominantly painting and mold prevention. Damage began in XX/XX/2018. I immediately mailed the check to my mortgage company, Arvest and made an appointment with my painter to repair. The mortgage company is on the check along with my name. I also signed a form they wanted and included the adjuster report. Currently they will not answer my e-mails. I've cancelled my painter twice. I have never been even a day late on my mortgage payment. Please help, I need these black spots on my ceiling repaired. Their e-mail is XXXX. Phone is XXXX. I've spoken to them and they told me the check was put in the mail on XX/XX/2018. I do not have a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Had a fire total loss and two payments was told would be deposited into my account by Chase Branch. 
The funds was deposited into my account then removed. 
Since then executive office of Chase informed me complete a intent to repair along with some receipts. 
I did that and the remaining funds have not been released. Then I was told that from Chase Insurance Dept said the Executive Office dont know what they are talking about. Then the claims department on a recorded line said that a inspection was needed by them free of charge showing the intent of work being done and the remaining funds would be release. I told the Chase Claim rep that I have completed 75 percent of the my work on my property already. 

I have just been getting the runarounds and have lost my tenant and will not be able to finish my job and feel I am being discriminated because I am a minority contracted and have submitted my personal information per their request IRS tax information and I have no idea what they are doing with my personal information requested and I have been doing my best to work with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am having an issue that I can not seem to have resolved and have been trying to speak with a supervisor at Wells Fargo, but have been leaving messages with no return calls. On XX/XX/18, I contracted XXXX XXXX with XXXX XXXX XXXX to provide floral services for my wedding, which was supposed to be on XX/XX/18. I sent her {$390.00} on XX/XX/18. On XX/XX/18, my then fianc and I had to change the date of our wedding due to a financial emergency. We changed it to XX/XX/2018, but decided we would go on and get married, which we did on XX/XX/2018. I informed XXXX about the change and she agreed with the date change ( I have included all correspondence in regards to this ). Sadly on XX/XX/2018, my husband had a massive XXXX XXXX and passed away. While I was grieving and making funeral arrangements, I had an associate reach out to her in regards to refunding the deposit of {$390.00}, she agreed. My associate contacted her on XX/XX/2018 and she stated that she would see how much the deposit was and contact her back. This was the last we heard from her. I have sent emails and messages, with no response and decided to contact Wells Fargo to retrieve my money. I was told on XX/XX/2018, that I would not be able to dispute it because of the time that has passed. While I am very aware this transaction took place in XXXX, I did not expect my husband to pass away. I called back multiple times since then to try to appeal the decision based on the circumstances and was escalated to a manager, no one has contacted me back. I am very upset with the lack of empathy and poor customer service I have received in regards to this incident. I would not need to dispute this if the merchant would have gotten back with me, nor if my husband had not unexpectedly passed away. I would like some sort of resolution regarding this because up until now, I have not had any issues with Wells Fargo bank.

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 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It is passed 60 days. You told me it takes 60 days to take off the inquiries. Due to identity theft. Its stkll on my credit report. One from XXXX  XXXX. Other from XXXX XXXX-Fla.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: AZ

Complaint narrative:
In XX/XX/XXXX, I purchased a home in the XXXX, Arizona area. I work for a XXXX XXXX and due to the Government shutdown, I was not able to pay my XXXX mortgage payment. I have attempted to work with the current loan company but they have not been helpful. I am still unable to make my payment. However, upon coming across this issue, I am also trying to sell the home I am currently living in. It is listed for sale for the past 2 months because of medical issues I was also having previous to the shutdown. In that time, the relationship with my boyfriend ( non-marriage or in process of marriage ) had ended in XX/XX/XXXX. I am the only one on the  loan but had added my boyfriend to the title in XX/XX/XXXX. My boyfriend gave me a gift of {$40000.00} to purchase the home for us from the sale of his previous home ( see attached gift letter ). Since the end of our relationship, my previous boyfriend has sought legal counsel to get his money back from me despite signing the gift letter. He also reached out to the lender that issued the loan to me and had him sign a letter saying the money was a gift and should be retured to my previous boyfriend ( see letter from the lender attached ). I can't help but feel that my previous boyfriend and lender conspired against me from the beginning. The lender acknowledges he was trying to satisfy " the guidelines '' to get the loan approved. I truly feel this is fraud committed by the lender and a conspiracy to extort money from me. I further feel this was a scheme planned out by my previous boyfriend with assistance from the lender to take money and my home from me. I have an order of protection against my previous boyfriend for XXXX   XXXX ; I am scared of his actions. I don't know what to do and need help while I try to sell my home. Thank you for listening and considering my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: MI

Complaint narrative:
So I filed a dispute with TransUnion about inaccurate reporting information about my bankruptcy, I asked them to update the correct filing date, they responded back and said a 3rd party company they use to verify the information confirmed that the information was accurate and correct. I then called them and said please tell how the information was verified and the said they use a company call XXXX, I then told them that how was it possible that XXXX verified my information when I have a security freeze on my account with this company. I contacted XXXX and asked how them how did they verify the information I was disputing and they said they contacted the court where I filed my bankruptcy, I informed them that I had a letter from the court clerk that states, they do not report to 3rd parties and credit bureaus, I sent this letter to Transunion with my security freeze letter from XXXX, So this is proof that a FRAUDULENT verification was conducted or not done at all. So I ask that this be removed from my credit report IMMEDIATELY.

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 2019-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I found out through my credit report that there is a collection from XXXX XXXX XXXX for a medical collection from XXXX hospital. This bill was for my son who is XXXX years old and is XXXX. I contacted the collection agency because I had started a payment arrangement with the hospital itself immediately after receiving the 1st bill. The hospital stopped ticking the funds from my bank account for no reason. I call the collection agency in explain this I even offered to borrow funds from a family member to settle the account but I only hide half of the balance at my disposal. They refused to do any settlement on the account and they said they would continue to report the account of the collection to my credit report. They also said that even if I started on a repayment plan as I originally had with the hospital it would still report me negatively to my credit report. 
Having a special needs child on the XXXX XXXX it's very difficult especially because insurance doesn't cover the majority of any emergency expenses such as his. We were a charge over {$13000.00} just for a one and a 1/2 day stay at the hospital and the insurance covered a portion of it and we were responsible to still pay {$3600.00}. We do not have those funds and have attempted every possible option to avoid this impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
On XX/XX/2019 at approximately XXXX XXXX ( AZ time ). US Collections West contacted me in an attempt to collect on a debt. I am currently in an active Chapter XXXX Bankruptcy. When I told the representative that he said that he got notice that my case was dismissed on XX/XX/XXXX. That is absolutely false. He went on to ask me if I would like to resolve the debt before he submits a wage garnishment. I told him that he can not do that do to the bankruptcy an his company never submitted a POC in regards to the debt. This company was properly notified from the courts in regards to my case. This is the second time that this company has violated the law when is come to how the collect on 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 2019-01-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Previously subscribed to XXXX. Terminated my service, with a balance due, returned equipment and got notice, without warning, of being sent to collections. Balance due indicated of {$130.00}. 

Contacted XXXX  for an itemized bill supporting the {$130.00}. A few days later got a pdf of a bill from the collection agency, Credence Resource Management LLC, shows multiple balances but not {$130.00} except in header at top of bill. No indication in bill of how the {$130.00} is derived. 

I called Credence and they refused to send an itemized bill other than the erroneous one sent. I informed them they have no claim if they can not provide an itemized bill supporting the collection amount. They responded the info they have is from XXXX and had done what they were required to do.. 

So at this point I have an account in collections with no supporting line item detail and neither XXXX  or Credence able to provide same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have called and mailed letters on several occasions regarding accounts opened fraudulently in my name and I included the Official Affidavit form, Federal Trade Commission Identity Theft Report and Local Police Report. The company keeps on responding with a denial letter which changes each time. One denial letter will state that Merchandise was shipped to customer 's verified address which nothing was ever delivered to my address and I have asked for signatures to prove who was signing for these items which they never would provide. I also asked for a copy of the application in my name which they refuse to provide and also the information used to open the account does not match my information along with the security questions do not match my answers. I never applied for any credit card and there have been several opened with Synchrony Bank and they refuse to accept that this is Identity Theft. The other denial letter states that the account opened greater than 1 year with verifiable payment history which they say was made using a XXXX XXXX  account. I have never had a XXXX XXXX  account and have definitely not made any payments to this company. They also state that customer benefited from use of card/participated in the purchases. I have never even received a credit card from this company and have definitely not participated nor benefited from any purchases. Synchrony Bank is a Fraudulent company who refuses do accept that I am a victim of Identity Theft.

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 2019-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Reference loan # XXXX with Shellpoint/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  and XXXX XXXX XXXX  at XXXX XXXX XXXX  in XXXX, VA XXXX. Effective XX/XX/XXXX XXXX XXXX was granted his XXXX XXXX XXXX  rating which also relieved him of property taxes on the property noted above. We had to calculate our own new payment as XXXX XXXX refused to adjust our mortgage, did not send us a statement for the months of XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX I had to call to get those statements but had paid the mortgage. They are saying we have to continue paying taxes through XX/XX/XXXX. They were notified via fax on XX/XX/XXXX with the letter from the tax assessor 's office of this relief and although they acknowledge having this letter insist that we pay the taxes. This is far above scandalis and we absolutely want this matter resolved as quickly as possible. It appears that they are trying to defraud us. We received a statement for XX/XX/XXXX in the amount of XXXX. The Commissioner of revenue has returned the taxes we've paid to XXXX and Shell point is yet to return that money to us in the amount of XXXX. On XX/XX/XXXX our escrow balance was XXXX. We received a check from the surplus in the amount of XXXX. and change and now our escrow balance is minus XXXX. Please assist us in getting this matter corrected. Their numbers are monkey business not facts. If you wish to contact us we may be reached at XXXX. Thank you for your assistance.

Sincerely, XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: MD

Complaint narrative:
I've defaulted and the company Pennsylvania Higher Education Assistance Agency has charged me 18 % in additional interest on my loan for defaulting. My loan amount has actually doubled. Outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi Priority Account in XX/XX/XXXX, and signed up for the {$600.00} new account promotion bonus, which required me to deposit {$50000.00} into the account within 30 days and keep the balance for 60 days and then wait for another 90 days to receive the bonus. I have kept over {$50000.00} balance in the account since XX/XX/XXXX till now ( XX/XX/XXXX ), but I haven't received any bonus yet. 

Here is the detailed actions I took : - On XX/XX/XXXX, I opened the Citi Priority Account. 
- On XX/XX/XXXX, the {$50000.00} initial fund was deposited in the account. 
- Immediately after the deposit, I called the customer service and confirmed that I have signed up for the {$600.00} bonus. I did so because I used to miss receiving the new account bonus before. 
- During XX/XX/XXXX, I called the customer service and re-confirmed that I will receive the {$600.00} bonus in mid-XX/XX/XXXX. 
- I still didn't receive anything in mid-XX/XX/XXXX, so I called the customer service again. But they indicated that the new account bonus is out of hands of customer service, and I should check with the branch in which I opened the account. So I immediately went to the branch and talked with one of the personal bankers. He told me that I will receive the {$600.00} bonus in end of XX/XX/XXXX when my statement came out. 
- So I went back and wait till end of XX/XX/XXXX, but still nothing. 
- Around XX/XX/XXXX, I went to the branch again and talked to the same personal banker. He said he will submit a dispute, and the internal dispute team will resolve this in 2 weeks. He assured that I will get the money back.

- It's already been 3 weeks now, but I haven't received the bonus yet. 

I'm very tiered and disappointed about the whole things in order to seek for the {$600.00} bonus that I'm qualified. It's taking so long and I don't know when it will end. I lost the interests of the {$50000.00} cash especially as the market interest rates are getting higher and higher.

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