vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a Costco Visa card issued by Citibank. The card had XXXX balance, and was my " emergency '' card. Citibank suddenly canceled the card without warning on XX/XX/2020, saying that they closed it because I had not used the card. I contacted them and they refused to reopen it. I have written them and told them I am filing a complaint. I find this behavior particularly despicable during the coronavirus crisis.

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 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Collection Service Inc (GA)
State: AL

Complaint narrative:
This debt has been paid in full since XX/XX/2019 and it still shows on my credit as a negative mark, and does not display a status. According to S10 15 U.S.C 1681h

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: NY

Complaint narrative:
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 2020-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: OK

Complaint narrative:
Debt collector ( RPM - Receivables Performance Management ) contacts me multiple times per day. They leave a voicemail message if I do not answer, which counts as contact. As an example, they called me twice on XX/XX/2020 from phone number XXXX at XXXX and XXXX. They left a voicemail message at XXXX, but continued to contact me. I have spoken with the company previously and advised them they are in direct violation of consumer rights. They have disregarded my requests to stop contacting me, and continue to do so. Additional number they have called from : XXXX XX/XX/2020 at XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX They are very clearly number spoofing in an effort to have me answer their phone calls, which is another clear violation.

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 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This debt has been paid in full since XXXX  2019 and it still shows on my credit as a negative mark, and does not display a status. According to S10 15 U.S.C 1681h

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 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: AL

Complaint narrative:
This debt has been paid in full since XXXX  2019 and it still shows on my credit as a negative mark, and does not display a status. According to S10 15 U.S.C 1681h

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I got a letter on the mail from a collection agency demanding payment for medical bills on the amount of $ XXXX.Since I been a few times on medical care and had taken a few XXXX XXXX and XXXX XXXX, I asked the collection company around XX/XX/2019 ( Lanier ) to send me back on the mail legal documentation displaying about the charges and the merchant. ( certified letter was sent, document attached ) To this day I haven't received a note to whom I owe the charges they referred to, instead Lanier collection company added a collection to my XXXX  credit file without giving me the opportunity to pay or settled ( {$150.00} ) I haven't received a single call from Lanier about this call, please note that I am paying the hospital for bills already sent to me so I need to know if this is a separate bill from the hospital or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2020, XXXX XXXX reported a 56 point drop to my Transunion credit report and a 57 point drop to my XXXX  credit report. When I looked into what changes had occurred since last month, I saw an account had been closed : XXXX/XXXX. As far as I can tell, this is an account that I had no knowledge of that originated with XXXX as " XXXX XXXX  XXXX '' and was sold to XXXX XXXX. XXXX XXXX  presumably closed the account due to inactivity. I never used or signed up for this account at any time. It is unconscionable, that XXXX would close this account at random, without my knowledge of it ever existing, and deal such a devastating blow to my credit report. I filed a dispute to my Transunion report with XXXX XXXX, directly with XXXX  and now with the Consumer Financial Protection Bureau. If this matter is not promptly resolved, I will take further legal action.

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 2020-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2020, XXXX XXXX reported a 56 point drop to my XXXX  credit report and a 57 point drop to my Equifax credit report. When I looked into what changes had occurred since last month, I saw an account had been closed : XXXX/XXXX. As far as I can tell, this is an account that I had no knowledge of that originated with XXXX as " XXXX XXXX  XXXX  '' and was sold to XXXX XXXX. XXXX XXXX  presumably closed the account due to inactivity. I never used or signed up for this account at any time. It is unconscionable, that XXXX would close this account at random, without my knowledge of it ever existing, and deal such a devastating blow to my credit report. I filed a dispute to my XXXX  report with XXXX XXXX, directly with Equifax and now with the Consumer Financial Protection Bureau. If this matter is not promptly resolved, I will take further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: DISCOVER BANK
State: MI

Complaint narrative:
Someone stole my identity and open up a line of credit with DISCOVER FINANCIAL SERVICES. Discover is giving me a hard time with this account I've been trying to get this removed for almost 4 years now and it is a effecting me very bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This was a XXXX XXXX credit card account that was opened on XX/XX/XXXX. The account became deliquent on XX/XX/XXXX. The account was closed in XXXX due to financial hardships from the big recession. Midland Funding is incorrectly reporting on all three credit reports that this account was opened in XXXX and is currently deliquent. This account was charged off by XXXX XXXX XXXX  in XXXX. I have never made payments to Midland Funding. Per the Fair Credit Reporting Act, this account should not be on my credit reports as it has multiple inaccuracies. I contacted Midland Funding and their position was that I was not deliquent until XX/XX/XXXX which is impossible if the account was closed in XXXX. My position was that if XXXX XXXX XXXX  gave them incorrect data it is still wrong info that should not be passed on to my credit reports a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was locked out of my account. I am unable to see my account info or make payments. I have tried calling many times but have been put on hold for 6 hours. There is no way to contact anyone to restore access to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
On XX/XX/2020 @ XXXX XXXX.EST spoken with XXXX and attempt made to discuss debt with original creditor XXXX XXXX XXXX. Immediately representative stated " speak with collection agency who is now handling the account, debt must be satisfied in full ''. The amount is XXXX. During this time of crisis, I'm requesting debt sent to original creditor for payment plan options.

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 2020-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: WA

Complaint narrative:
I opened a Discover online banking account with a bonus offer ( up to 200 USDs ). However, after I deposited XXXX USDs from my XXXX XXXX check, my account was suspended without telling my any concrete reason. 

Then I called Discover banking customer service twice to reactive my account. However, I was told that my account was closed ( instead of suspended! ) and they could not tell me the reason. 

What is worse, I tried to open the online banking account again. However, I found that I could not use any bonus offer code this time because the system indicated that I opened a similar account before ( though this account has been closed by Discover ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I have a very serious issue with my servicer SN Servicing Corporation. They will not stop the sale on my home scheduled for XX/XX/2020 despite what our President of the United States of America Donald Trump ordered this week, that all foreclosures and evictions are to be suspended. SN Servicing Corporation are not following the Presidents order and are in clear violation. 
Due to the Corovavirus ( COVID-19 ) I am unable to make any payments, phone calls, file any documents or mail any documents as of today the Governor stated no one should be outside. We all are to stay at home. If my home sells, I and my XXXX  wife will become homeless in such a national emergency. This is a huge threat to I and my wife are in great danger of contracting the Coronavirus if we will not have a place to live. 
This is a very serious matter and has to be taken seriously as our lives are at stake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
National Credit Systems continues to furnish information on credit file regarding debt from XXXX XXXX XXXX. Amount on credit report is not validated and inaccurate. Requested information regarding debt and company failed to comply according to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
It started as a romance email scam. The perpetrator XXXX XXXX contacted me on XXXX online app. He promised me marriage and a family. He resides in XXXX, Maryland XXXX. His phone numbers are XXXX and XXXX. Has a XXXX  XXXX  business XXXX XXXX XXXX XXXX XXXX with XXXX XXXX co-owner. XXXX supposedly traveled to XXXX, XXXX for work in XX/XX/2019. His trip was extended supposedly, and he requested {$2000.00} usd money to be wired to his manager Wells Fargo account # XXXX. I used my XXXX XXXX XXXX account for this. 
He promised to repay upon arrival to the US. A few months have gone by therefore, Im reporting it now with all the information gathered.

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 2020-03-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Sears informed me they would cancel the late payment fee XXXX as a courtesy and good faith. I followed up with them today XX/XX/20 because I noticed on my statement that the late fee XXXX was never waived as promised. I was informed that instead it was tackled onto my monthly payment for the month of XXXX and that it needed to be paid. Sears needs to keep their promise and waive that fee as soon as possible. They are also not adhering their message regarding Corona Virus and are imposing late fees to all customers

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 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
From XXXX and XX/XX/2020, the new mortgage processing company after switched from the old mortgage processing company kept asking me to purchase the HO6 insurance ( condominium owner insurance ) even though I did not buy the HO6 insurance after purchased the house 10 years ago. I already provided that my HOA master insurance covered the structure of the house but the new mortgage process company - XXXX ( Loancare company ) bought the HO6 insurance from their own decision while I were still communicating and even after I already purchased and provided the condominium insurance. I am very frustrated with their one way decision buying {$580.00} fee without my agreement and trying to charge the fee to my mortgage account number # XXXX.. The company never listen my opinion that other lenders never asked the additional and duplicated insurance since I already rented out the house. Please email me at XXXX or call me at XXXX for any question. 

Regards, 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 2020-03-21 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: IL

Complaint narrative:
Transunion had removed this account then when I asked XXXX  to update their info as Transunion has it all of a sudden appeared back on my Transunion report, I've asked for months for a copy of the signed contract from XXXX and still Transunion has not complied only saying its been verified. I am a victim of identity theft and I have sent in the affidavit. I would like to resolve this inaccuracy

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 2020-03-21 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: AZ

Complaint narrative:
we need as consumer production from agent like Experian to be product because they report the wrong scour!!!!!!

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 2020-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been trying for weeks to have Chase Bank release funds in line with a Florida Court Order to the beneficiaries of my Mom 's estate. I called and visited the bank in person and provided the original Court order but the bank refused to release checks as captured in the Court order. The bank officer that I met with called their legal department when I was there and after a 45 minute hold was advised that the legal department would have to review the court order and that I would be provided with an update in three business days. I have since called and e-mailed the branch but have yet received the courtesy of any reply or update. I do not have access to the account but my cell phone is linked to it so I get text alerts with respect to account activity. Rather than issuing the funds as required by the court order, Chase for some reason made a significant payment from my deceesed Mom 's account on XX/XX/XXXX, I subsequently received a text indicating that the account was overdrawn by {$99.00} XXXX. My mom has been deceased since XX/XX/XXXX and there was definitely no justification for the Medicare payment. The bank has been reckless, incompetent and completely unresponsive. These are difficult economic times and we need to faciliate the release of these funds without further delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-21 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MD

Complaint narrative:
A charge appeared on my account XX/XX/XXXX, the same day i lost my card. I didnt realize it was gone til later that evening. I disputed it and was issued a credit while they investigated. The end of XXXX i see the charge back on my account again. So i talked with someone and told them i wanted to challenge it. XX/XX/XXXX i check my balance and noticed the charge was added back on to my account again. Im upset at this point because its time for balance/payment info to go into the CBAs. This is the second month in a row my balance was reported high because of this charge. I checked the dispute area and found out that discover sided with the merchant because they provided a Grocery Receipt ... yes a RECEIPT!! Which doesnt prove anything, therefore it is not valid enough to base the final verdict for the claim. Ive pointed out several key factors to help the dispute. 1. The charge was made at a location Ive never shopped at before. 2. The charge was made outside of my city and 3. The charge was the highest amount ever spent off my card. Then The agent kept telling me to call in when i kept telling them i was sick and couldnt speak but no they kept being inconsiderate. Not only did they not investigate my issue, they sided with the merchant without proof. I even talked to someone on XXXX  and was lied to, she never helped me at all! She said i could message her the dispute issue instead of calling. I Never had any issues with discover, always paid my bill ontime and yet i get treated like this. XXXX WOULD NEVER TREAT ME THIS WAY!! Discover needs to take a page from them. I use my discover card more than my XXXX even though i have a XXXX limit with XXXX. Im So im appalled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-21 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: ID Analytics, Inc.
State: TN

Complaint narrative:
On XX/XX/2020 I reached out to sage stream to view my credit report and it had tons of errors on it. I disputed several items but yet there still remain.

Company response to consumer: Closed with explanation