vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: CT

Complaint narrative:
In XX/XX/XXXX I rented an apartment with XXXX XXXX. I vacated apartment upon lease end and provided proper notice to building managment, which was non-existent at the time. Months later I receive phone calls stating that I owe a balance for three months of rent, spanning outside of the leasing agreement. I have disputed these charges numerous times through out the years until most recently on XX/XX/XXXX, when I decided to contact the collection agency directly. I was given incorrect information. I was informed that the account had been closed and that a deletion request would be sent. Now in XX/XX/XXXX, I realize this account remains on my credit report. I reached out to them again and found out to my surprise that the wrong account was pulled up back in XX/XX/XXXX and that someone else 's account was deleted, and that I therefore still owe for this apartment from XX/XX/XXXX. I continuously as for supporting documents, to which I dont receive. Neither have I ever received any written correspondence regarding this alleged debt. I have reached out the municalities in the town where this apartment is rented, and there are no court motions or correspondence validating these charges. Please help, as my hand are tied at this point and my credit is continuing to suffer. Kind regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I believe a Best Buy credit card was opened with my information and this debt was placed on my credit information. Subsequently my bank account has been frozen due to garnishment orders based on default. I had no idea and reported this so many times but to no avail.

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 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2018 I sent a written request to Fifth Third Bank to remove MI insurance from my mortgage account. Shortly afterwards an appraisal was completed. Stating that the loan to value wasn't 75 % or less, ( actual based on appraisal is 77.3 % ) Fifth Third declined the request. I sent a rebuttal to their decision sighting XXXX XXXX rules stating that tenure or the seasoning requirement ( 2/5 year ) is waived in the event the home value increase is substantially due to upgrades or improvements to the real property. The appraisal sufficiently bears this out. The loan has been in effect for 2.5 years, there is no junior lien and payments are current. Fifth Thirds response was a voice mail suggesting that if I wish to remove MI insurance I need to send a request in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 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: OH

Complaint narrative:
still reporting acct delinquent when it was brought current and is current XX/XX/XXXX is date acct was brought current and today they reported it delinquent again. As well as they show up as XXXX on XXXX  and XXXX XXXX on equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX I received documents and a welcoming letter from USAA about opening a checking account. However, I never did nor authorized such an action. The account number is XXXX and appears to have been opened earlier in XX/XX/XXXX. I spoke with the bank staff including XXXX and XX/XX/XXXX, both customer service support who did confirm that this account was opened in my name, had my correct SSN and address but a different email address. They confirmed that a debit card was issued and an initial deposit made into the account, again, with no knowledge on my part. They also confirmed that the debit card was stopped by their fraud department but the account is open but on a hold as of XX/XX/XXXX. I requested several things be done immediately but they could only promise that I would be a call within 3 business days. I requested the following : The account be closed immediately with all funds redirected to their fraud account My name and all other information be removed from this account. 
Issue a letter by end of day XX/XX/XXXX confirming that all was accomplished. 

I inquired how a bank account could be opened without any credit check or other validation done by the bank. I have my credit reports frozen on all three credit agencies due to possible breech of my personal data. They could not answer that question and I am concerned for all their clients that no validation is done before an account is open. 

I believe this to be a scam attempt, opening a checking account with minimum deposit and then issuing fraud checks against insufficent funds. My concern is that this activity and/or closing of the account by the bank will be reported to the agencies and appear on my records, thus damaging my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On Tuesday, XX/XX/2018 XXXX AM, I received a fully booked invitation to visit the " XXXX XXXX '' ( An Independent Indian Tribe Local Government in Oklahoma ), this invite included the Flight, the hotel and a rental car. Everything was accurately planned and scheduled and sent to me. 

XX/XX/XXXX, I traveled without any problem, picked the car, checked in at the hotel with no problem at all. 
It is the norm that I authorize the incidental costs on my credit card, I never had a problem. 

Everything went so well, I returned the car, with the gas tank half-full and I did return it on time as it was sent to me in the plan I had in hand. 

Thu, XX/XX/2018, I was hit by a charge on the car rental, I called and emailed customer service of " XXXX XXXX XXXX '' to investigate about that charge, and I was nice enough to say if you want to charge me about the half tank gas, it is OK, you can charge me for the full tank as per the price agreed upon and return the rest of the money. 
I requested a bill, they actually did send me a bill of {$130.00} that includes the whole thing with the rental ( that was paid for already ) with the gas with everything, I called my bank ( Capital One ) to dispute and a nice lady interfered and I stayed over an hour on the phone, 1- If my total bill is {$130.00} only why am I charged with {$170.00}? 
2- I claim that I owe them only half a tank which is according to the prices is {$38.00}. 

They offered to give 50 % discount, convincing us to get 50 % of the {$170.00}, which I hatefully agreed on and I was refunded {$19.00}. 
I rejected that refund while I was still over the phone with my bank and the merchant. 
I tried so hard to have answers for the above 2 questions. I never succeeded. 
The banker agreed to give me 100 % refund and asked me to submit all the documents I have that prove my trip was fully booked. 
I did provide all the documents I had which show clearly my point. 

XX/XX/XXXX, I found that I was re-billed the amount .. 
I called again, my bank, the banker confirmed they received all my documents and he was confused, struggling with words and told me that I had to talk to his manager.

The manager, she can not do anything about it and I will have to go to the Merchant to bring a signed bill because they do not know how much to charge me.

She wanted to convince me that {$170.00} is the price of the gas and that {$19.00} is half of the price of the gas. She did not make any sense, I have all the phone records ( as they do ) and all the documentations as well.. I am ready to escalate this to the court if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
gulf coast collection agency called me at XXXX on XX/XX/XXXX saying that I owe an unspecified amount of medical debt to XXXX XXXX. Payments have been made regularly to This hospital and I am dealing directly with them. Gulf coast has sent no written notice to me. 
The person that called said " If you do not pay, I will have a warrant issued for your arrest. '' The person was male but did not give his name other than the above mentioned company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After deciding to upgrade my current phone, i applied and was approved for merchant credit in the form of an installment loan. This loan for for an XXXX  XXXX XXXX, through a well known online outlet company in the cellular industry called XXXX XXXX XXXX XXXX XXXX. However, this company has failed to report my account to the credit reporting agencies, now in month three, nothing has shown up, so my payment history is not being included on my credit report. I went through the proper channels to investigate why my payments haven't posted. I was then informed that my account have been submitted for reporting back in XX/XX/2018 but the credit bureau, namely Experian, has failed to investigate and update my account to my profile, which after research, and consulting with a family friend whose an established attorney informed me that this was a direct violation of Fair Credit Reporting Act. This account required a down-payment of {$180.00} after a credit check, a soft check as stated by the representative. And the remaining balance was to be paid over 24 months in the amount of {$29.00} after the initial payment of {$30.00}, the vendor states that they do report to all 3 major credit reporting agencies which typically shows up in 30-45 days. 
Below is Information provided to me from the creditor, my account # is XXXX, balance of device when the loan was opened was {$710.00}, current balance is now {$210.00}, after several on time payments ( 5 in total ) and trading in my old device Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Physical Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, SC XXXX Contact Number and Fax : 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 2019-01-30 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: NJ

Complaint narrative:
I am filing this complaint because Experian, has ignored my request provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified, that I have disputed. Account Name : XXXX XXXX XXXX Account Number : 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 2019-01-30 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CARD NO.XXXX IS REPORTING AS DISPUTED, THIS ACCOUNT SHOULD BE OPEN PAID IN FULL NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/2018, I received notification from XXXX that a collection was added to my credit reports. The Collection agency is listed as XXXX and the original creditor is listed as XXXX XXXX XXXX. I reached out to Experian, XXXX, and XXXX, informing them I have a bill from the original creditor listing the past due amount as {$1000.00}. The amount listed on my credit reports was {$1000.00}, it was recently updated by XXXX to reflect {$1000.00}. This amount is still incorrect and should be removed for inaccuracy. Also, the date opened listed on my reports is incorrect. XXXX has XX/XX/2018, the correct date is XX/XX/2018. I have asked each of the bureaus to remove the account due to inaccurate information listed. Experian stated they could remove it but the collection agency could put it back on my report with the accurate balance and correct date opened. This is turn would drop my credit score again, and appear to be a new collection account. XXXX  stated once the account is removed the collection agency would NOT be able to put this account back on my report. XXXX  stated the collection account is not listed on my report. 

I would like for this account to removed from both my Experian and XXXX  reports due to inaccurate information listed. Also, I never received notice from XXXX notifying me of the pending collection. I have attached a copy of the bill from XXXX XXXX XXXX and a copy of my credit report showing the 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 2019-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I was supposed to write personal check for my city of XXXX property taxes for {$6700.00}. 
I use online banking and no longer have an ordinary check book with exception of bank provided numbered check that was provided for me at the initiation of my account. 
I called Wells Fargo ( my Banking Institution and gave them the check number, XXXX, and told them that I was getting ready to write this check and would it be OK? customer service agent assured me that everything looked ok. I wrote the check and along with two bills ( for each 6 months ) to the city of XXXX Department of Finance. 

On XX/XX/XXXX I received a " Notice of Secured Payment Returned Unpaid '' Wells Fargo denied payment and as result I was forced to pay additional fine of {$330.00} plus {$53.00} fine for a bounced check. 

I had enough money in the bank, and the bank should have honored my check. 

In conversation with bank managers, first they claimed that city deposited the check in excess of two months period which is the banks grace period for their cashing a check. in another words they say if the check is submitted for payment later that two months of the date on the date that was written, then it would be declined. 
In contacting the city I was told that the check was posted on XX/XX/XXXX. Ten days to be exact, but not two months after the check was written. Then they changed their story and told me that it was denied payment because the accounts were not linked therefore they where unable to pay. This statement contradicts directly with what I was assured on the phone prior to writing the check and I thinks it is banks responsibility to cover the extra penalties I incurred. Banking institution ought to be a trusted source for their customers in relation to their finances, but not to create heart aches. 

I appreciate your assistance in resolving this matter.

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 2019-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TMX Finance LLC
State: VA

Complaint narrative:
I am getting almost daily calls from XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, VA XXXX. Phone ( XXXX ) XXXX. 

They continue to call me and leave messages on my voicemail telling me I need to call them about a loan ; however, I have called them several times to explain my phone # is only a few months old and I do not now, nor have I ever, had a loan with them. I have asked them to take my phone number off their system but they refuse, and the calls continue. I now have them blocked, so that my phone won't ring when they call -- usually during the day when I am at work -- however, the voicemails still appear on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I cancelled my Bank of America XXXX  XXXX Business credit card on XX/XX/2019 and the company assured me that they would release the " hold '' they have on my Certificate of Deposit ( CD ) account that I opened with them for {$1500.00} as collateral for the secured business credit card.

I've called 4 times in the last week and asked them to release the hold on the {$1500.00} CD account I have with them, and each time they told me that they will fix it within 24 hours so I can cancel my CD account. However, each time they have not followed through.

They are purposefully delaying this process so that they can force me to automatically renew the CD account I have with them. This CD account earns a paltry interest rate. I've earned less than {$0.00} for the entire YEAR that I've kept the CD open with them.

I believe that they are manually keeping the " hold '' they have on my CD even though my credit card is cancelled so that they can force me to auto-renew my CD with them. They know the interest rate is garbage and this is their way of keeping account numbers and retention numbers high. This is absolute garbage and a horrible way to treat consumers just to preserve growth numbers and bump earnings reports.

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 2019-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
Today, XX/XX/XXXX, SpeedyCash withdrew {$1800.00} without permission. It was the full balance of a payday loan that I did owe. The issue I feel is very wrong is they did not attempt to take a payment in the last 8 months. They can confirm that my account went to a 3rd party collection on XX/XX/XXXX. They can confirm that the last time they attempted to withdraw funds was XX/XX/XXXX. As I have contacted collection agencies to begin payoffs on accounts. I do not agree nor understand how they go around their 3rd party collection agency, XXXX, how they leave my account alone for 8 months, and suddenly decide to take the full balance themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I have two accounts with chase and both were charged overdraft fees when the other had money in the account. Also, I want overdraft protection of some kind!

I would like the insuffient fund fees refunded. Additionally, the charges that caused the overdraft were unauthorized and I have contacted the merchants, so those charges have been refunded.

Account ending in XXXX XX/XX/19 : 2 charges of overdraft Account ending in XXXX XX/XX/2019 : 3 charges of overdraft Total fees : {$170.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I paid the debt over the phone with my credit card and these crooks still reported it as unpaid to the credit company!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: CREDIT WORLD SERVICES, INC.
State: KS

Complaint narrative:
I have yet to receive validation of the account with Credit World which I requested two months ago not to mention the debt has been discharged in a bankruptcy finalized last week. Nothing has changed this company has done nothing to rectify this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
On XX/XX/XXXX we received a letter from Freedom Mortgage Corporation cancelling our ACH payment. Today, XX/XX/XXXX we received an email notifying us they cancelled it because they have transferred the loan to XXXX. That payments are to be made effective XX/XX/XXXX. 

We have not yet received a Servicing Transfer notice in compliance with regulation z.

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