vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I SENT OUT DISPUTE LETTERS TO THIS COMPANY ( NCA ), I HAVEN'T RECEIVED A VALIDATION LETTER. IT'S BEEN THIRTY ONE DAYS. IF THEY COULDN'T PROVIDE ME WITH THE INFORMATION I ASKED FOR ; I REQUESTED FOR DELETION IMMEDIATELY. PLUS THIRD PARTYS SHOULD HAVE MY PERSONAL/NONPUBLIC INFORMATION IF THERE ISN'T NO CONTRACT BETWEEN ME AND ( NATIONAL CREDIT ADJUSTERS ) PLEASE SEE ATTACHED INFORMATION ON : SUBCHAPTER 1-DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION AND RECEIPT OF CERTIFIED MAIL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, I immediately contacted my bank to report a scam. After explaining to them my situation, they explained to me that they can refund my funds back into my account but since I said that it was a scam, they immediately went back on their word. Telling me that they can not do that for me because its against policy yet I was scammed out of money using their bank. I went through many different representatives and with so much false hope they were giving me, I was finally told that they couldnt get my funds back from the scammer but could if it was a fraudulent transaction? Beyond disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent letters to the credit bureaus asking them how did they verify the bankruptcy placed on my credit report, I sent clear documentation asking the courts do they release public information to the credit bureaus or third parties and the court responded and said no. The bureaus clearly failed to respond to me in a timely manner and I would like for this information to be removed from my credit report ASAP.

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 2021-03-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent letters to the credit bureaus asking them how did they verify the bankruptcy placed on my credit report, I sent clear documentation asking the courts do they release public information to the credit bureaus or third parties and the court responded and said no. The bureaus clearly failed to respond to me in a timely manner and I would like for this information to be removed from my credit report ASAP.

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 2021-03-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent multiple letters in which most was notarize. I was ignored and bluntly disrespected as a consumer. I have been inquiring about this information over and over for months and months this is hindering me from buying a property. The credit bureaus don't care. I made multiple phone calls trying to get someone to give me a clear understanding but I eventually will get hung up on. It's very disturbing trying to get things done when these companies are acting like this. This is a on going process and I NEED HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Tri-State Adjustments, Inc.
State: IA

Complaint narrative:
I received a bill for Oxygen which the hospital ordered from a company who does not accept XXXX. I called XXXX, did an Appeal. XXXX worked with the Company, XXXX XXXX XXXX XXXX, which refused the XXXX amount,. XXXX sent me the check, I endorsed the back and put Pay to the Order of XXXX XXXX XXXX XXXX, per XXXX, and they cashed it. That claim is dated XX/XX/XXXX. Then XXXX reevaluated the claim and sent me a Summary on XX/XX/XXXX stating they denied all claims, paid nothing and I can't be billed anything. I have all these documents. Then XXXX again reevaluated because they accepted the XXXX check and said they should now bill my XXXX. But they can not bill me because of my Insurance. I have XXXX XXXX & XXXX XXXX due to XXXX  XXXX for XXXX XXXX. I have no deductibles, no out of pocket, co copays. Been that way since XXXX and the hospital knows that and I did not order the Oxygen or sign except for delivery. I have written to XXXX XXXX XXXX and to the Collection Agency who has threatened to put a Court Order on my Social Security which is my only income. I am XXXX XXXX XXXX. This I have done 3 times, this last time asking them to bill XXXX and sending the information to do that. I also asked for a Hardship Form which I was denied. XXXX gave me this site to report to you.. I am now getting phone calls from Tri State Adjustment , Inc. I got the first bill from the Equipment Company 2 days after I was released from the hospital and I had them come pick up the equipment the next day because I did not order it. I was told I could not go home without it, but the hospital should have ordered from a Company that takes XXXX XXXX XXXX. It took me longer to get over XXXX without the Oxygen, but I could not pay for it. Nor should I have to since XXXX and XXXX has always covered me. I have checked with my bank and they assure me that no creditor can attach my Social Security. I have no bills at all, I budget closely and I have no debt. Please help get them off my back. Stress with my health is not a good thing for me. And 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 explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against AMERICOLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX is a third party company that brought the debt from old navy. The old navy credit card limit was XXXX. This information was reported to XXXX and XXXX  and the information is online at XXXX XXXX. All 3 creditors on my credit report stated the credit balance was XXXX. I had made several attempts to try to resolved the issue. However, XXXX XXXX is making it very hard. They are using information that was reported inaccurately. Information from XXXX XXXX and my free credit report will be attached to this report. The credit card was opened on XX/XX/XXXX in which the writer highest amount charged was XXXX this is why the writer offered to pay XXXX because late fees. The credit card was closed on XX/XX/XXXX. This credit card is 6 years old.

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 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I received an email ( attached ) from Citi XXXX XXXX XXXX on XX/XX/XXXX that I would get a {$200.00} cash bonus if I open a high yield checking account with required activities. The requirement to earn the {$200.00} cash bonus was " Open a new Citi XXXX XXXX Checking Account by XX/XX/XXXX. Then, within 30 days after account opening, deposit a minimum balance of {$5000.00} and maintain the balance for 60 days to receive your {$200.00} cash bonus. '' So I opened the checking account on XX/XX/XXXX with {$50.00} initial deposit, and made another {$5000.00} deposit on XX/XX/XXXX, and have kept a balance of {$5000.00} from XX/XX/XXXX to today XX/XX/XXXX. Therefore I have met all the requirements to earn the {$200.00} cash bonus. But as of today I have not yet received the cash bonus. When I called Citi bank on XX/XX/XXXX inquiring about the bonus, I provided Citi bank Customer Service the promotion information and the promotion code I received from Citi on XX/XX/XXXX. And my checking account was credited with {$200.00} on XXXX/XXXX/XXXX labeled as " Credit Adjustment for Inquiry # XXXX ''. However, on XX/XX/XXXX, Citi bank withdrew the {$200.00} credit from my checking account with an online message ( attached ) saying " Unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account. However, if you have a copy of the promotional documentation or letter you received, we may be able to assist you. If you have a copy of the promotional documentation, please fax the copies to XXXX. '' I faxed the promotion email I received from Citi on XX/XX/XXXX to Fax # XXXX, along with a fax cover letter ( attached ). But Citi bank still would not honor their promise of the {$200.00} cash bonus. I have called Citi bank customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I could not get resolution for this matter. I want to file this complaint so that others would not fall for this trap from Citi bank. Thanks

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 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I HAVE BEED CONTACTING AND WORKING WITH THE LISTED CONPANIES AND THE CREDIT BUREAUS FOR ALMOST A YEAR. THEY HAVE REFUSED TO LOOK INTO MY CREDIT REPORT. THEY CONTINUE TO SEND ME A REPLY, THAT THE INFORMATION IS CORRECT. I'VE ALSO CONTACTED THE COMPANIES AND WAS TOLD THEY NO-LONGER HAVE ANY RECORDS. THEY REFERRED ME TO A COLLECTION AGENCIES, THEY WANT ME TO CONFERM MY FULL ADDRESS AND SOCIAL SECURITY NUMBER. 

XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX XXXX  XXXX {$580.00}

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 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
please remove these unauthorized inquirys from my credit report, i have no knowledge of these accounts

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 2021-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I close on a mortgage in XX/XX/2020 with XXXX XXXX. They have since sold the mortgage to Caliber Home Loans. At the closing, there was an approximately {$3000.00} that was to paid off some debts. The debt in question was already being deducted from my paycheck. The lawyers agreed that after the full amount is paid through my paycheck, then I would get the check. That never happened. I kept requesting for the check with no real answers. As I was going through the closing documents I also notice that I never received an accurate closing documents with the actual expenses. The documents that I signed three days before closing were estimates not the actual expenses, because the estimates for the title company was different from what the amount on the title expense statement. This was confirmed by the original loan officer. I am requesting for a thorough recount of the closing process of the mortgage because I believe that I am currently responsible to pay back a mortgage amount that is not accurate. In addition, there was supposed to be a {$500.00} credit applied on the price of the house. This credit was not honored. Then I got an unpaid tax for 2020. 
I tried to resolve the problem with XXXX XXXX  with no success. So I am putting the complaints with the current loan servicer Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent multiple letters in which most was notarize. I was ignored and bluntly disrespected as a consumer. I have been inquiring about this information over and over for months and months this is hindering me from buying a property. The credit bureaus don't care. I made multiple phone calls trying to get someone to give me a clear understanding but I eventually will get hung up on. It's very disturbing trying to get things done when these companies are acting like this. This is a on going process and I NEED 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 explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I receive my unemployment benefits thru Bank of America. In XX/XX/XXXX, my unemployment card was used inside a gas station where it was skimmed. Over the course of the next few days, the thieves actually withdrew money from my account totaling {$1800.00} from ATMs hours away from the city where I reside. When the missing money was brought to my attention the day they took the final amount of money ( I had low balance alert ) I contacted Bank of America and the police to report the crime and to get a police report. All of that information was relayed to Bank of America and while the investigation was being conducted they credited my account back the money. The investigation resulted in them permanently crediting my account XXXX letter sent by BoA stating this ) for the total amount of XXXX. 
Months later, with no warning, the money was withdrawn out of my account again. A new investigation was launched and finally after nearly a year I received a letter on XX/XX/XXXX saying that the investigation was complete and they HAD credited my account. Of course, no credit to my account was ever made. 
I have made nearly 5 calls to the unhelpful customer service agents and each time I was told that an escalation had been filed and there was nothing more I could do. And today, I spoke to a supervisor that was SO RUDE, yelled at me and then hung up in my face. 
I feel I am being discriminated against because this is a California Unemployment account and at this point it feels like I am being targeted, played with and disrespected by a billion dollar corporation during a pandemic. 
This bank has HORRIFIC business practices and horrible customer service. No one has really helped me although they have pretended to by filing these escalations that obviously escalate nowhere. The ride supervisor who hung up in my face as I was requesting her name, told me to call back in 5 days if the money wasnt in my account. Im sure it wont be. I have been victimized twice. Once by the criminals who stole my money out of the bank and now continuously by the actual 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 2021-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CCM Finance LLC
State: TX

Complaint narrative:
My vehicle was repossessed due to failure to make payments for a separate insurance coverage that I declined from the the begging of the contract. I have been covered by XXXX 3+years I stated from the beginning I didnt need the CPI. So how is my vehicle being repossessed for failure to pay for a service that I declined? I tried for 3 days to speak with management. When I finally was able to speak to someone I was simply told my car was gone and there was nothing to be done and hung up on. I was never offered the opportunity to pay the loan off in full. XXXX XXXX refused to even look into the details or notes on my account. I told him these discrepancies were the fault of the XXXX employee that assisted me XX/XX/2021 He stated No comment and disconnected the call. If he had simply read the notes of the account it would be obvious that I am not behind in payments because I didnt ever need the CPI and the failure for them to enroll me in autopay is not my fault. They also shared supposedly secure information with someone that is not on my account. On XX/XX/XXXX. I made a payment towards my loan XX/XX/2021 they requested a copy of the declaration letter from XXXX for my policy which I promptly emailed when I got home as theyd contacted me while driving. I dont understand how is it that I am 3 payments behind? The one payment missed on XX/XX/2021 ( they never made any attempt to contact or collect the payment ) was due to them failing to enroll me in autopay on the eighth. This in entirely their fault and now theyre attempting to steal my down payment and ruin my credit history. I financed the vehicle XX/XX/2021 my car was repossessed XX/XX/2021 roughly a few weeks. How exactly is it even possible for me to be 3 payments behind? They are attempting to add fraudulent charges to my account in order to terminate the loan. They have even called and spoken with a XXXX representative who verified my coverage prior to finance. If I made a payment XX/XX/2021 and my account was in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, my wife and I divorced and I was awarded our home and ordered to refinance the mortgage within 120 days or be forced to sell the home. I immediately contacted my mortgage company, Carrington Mortgage Services , LLC, to begin the refinancing process. 

Although I provided all documents requested on a timely basis, and paid {$600.00} for an appraisal, Carrington continually dragged their feet and did not respond in a timely manner to my phone calls and emails. 

On XX/XX/XXXX ( just shy of the 120 day time period I had to refinance the mortgage ), Carrington denied my application without just cause. I am now trying to refinance with another company and interest rates have gone up almost 1 percent. My ex-wife is also threatening to sue me for contempt of court. There is absolutely no reason Carrington should have spent almost 4 months on the refinance of my mortgage only to deny my application. They have cost me time and money and possibly the ownership of my home.

Company response to consumer: Closed with explanation