vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
I have my mortgage with FIRSTBANK PUERTO RICO and they require an escrow account and pay my hazard insurance and property tax from that account. In XXXX and again this year, there has been difficulties with the check reaching my insurance company. Last year, my hazard insurance policy almost lapsed due to a late payment. Again, this year the check never reached my insurance company. Of course they have the correct address for XXXX XXXX. Management at FIRSTBANK PUERTO RICO blames USPS which is unacceptable. They are responsible for timely payment. 

I suggested they used XXXX or USPS overnight with tracking as we are very late and this time the insurance will lapse and management at the bank was bold enough to suggest that I should pay for the extra shipping charges. I refused. 

I have attached email correspondence which shows this occurred last year in XXXX and again in occurring now in XXXX. This is a serious situation as my insurance will lapse. I don't have the funds to pay myself. 

Also in summary, you may see other complains from me regarding FIRSTBANK PUERTO RICO. They are incompetent and in my opinion, should seriously be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested a statement I placed at all 3credit bureaus to be removed on XX/XX/2021. XXXX  and XXXX  removed the statement immediately. Equifax was difficult to get in touch with a human without going through a computerized verification. Then you have to supply the human the same data before they will speak with you. Instead of removing the statement, they opened an investigation. I called today XXXX XX/XX/2021 XXXX to have this investigation closed as it is a red flag to the mortgage lender I am using to purchase a home. I had to enter my personal information twice into the computerized system then again to a human who then also sent me a link to take pictures of my DL and a selfie but the system did not work. Then they refused to speak to me because they are stating I have a minimum monthly credit card payment, which I do not have a minimum monthly credit card charge. I was transferred to a " supervisor '' who again asked for all the same information. Then she told me the statement was removed but the system has not closed the investigation and she could not tell me when the investigation would be closed. She kept insisting that there is no open investigation, yet there clearly is an open investigation when I log into my Equifax account. This process is holding me back from purchasing a home. The other XXXX bureaus removed the statement the same day. I do not understand why Equifax needs 30 days to close out completed work assignments. I additionally feel that they are the reason for many of my data breaches and having to cancel my debt card for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have tried several communication with Citibank to add my spouse as co-signer or joint account holder but Citibank has failed to do the same. 

After multiple communications over the customer service phone call, I have been told that the application for adding my spouse has been rejected Considering, I live in the state of XXXX XXXX where Citibank branches do not exist the paperwork has to be sent through postal mails. 


My Citi priority checking - XXXX. 
Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX NC XXXX I would like to complaint about the bad services - > 3 months to come to the conclusion of the application No communication on the rejection of application Citibank has quality issues when it comes to providing customer services to the resident of the state where Citibank does not exist. 

If Citibank provides bad quality of service to the residents of the sate where they do not exist, they should not be allowed to operate in such states or put a disclaimer that they would discriminate their customer from customer experience perspective based on the geography they reside in.

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 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
On XX/XX/2021 my CitiBank credit card was used for a fraudulent {$1200.00} charge which Citi alerted me about, canceled my card, and said I would not be held responsible. After over 1 month and 4 phone calls to Citi the charge is still on my card and my account lists it as being settled and that I am being held responsible for the charges. This is despite the fact that every time I call the operator tells me that according to their system the merchant already refunded the {$1200.00} to my account, it just isn't showing up for an " unknown reason ''. I have called 4 times and have been told this every time, I've also been told it will be resolved in 4-7 days every time I have called ( which it has not ), I've been told it will be correct on my statement at the end of that billing period ( which is was not ), and 3 of the 4 times I've been told someone else has to look at it and I'm transferred to a phone number that hangs up after 2 rings. 

At this point Citi has made it clear that while they have recovered the {$1200.00} they are making no effort to refund it to my account, which sure seems to be some form of fraud or 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 monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I refinanced our mortgage through the Money Source ( Loan # XXXX ) in XXXX of last year. Just after closing I received a notice from the county tax assessor ( XXXX, CA ) that our property taxes were overdue. I contacted The Money Source and they paid the taxes but did not make an adjustment to my escrow account. It seems they did not anticipate making that payment which should have been part of closing. 
A year later they are telling me that I'm short {$6300.00} in my escrow account. They have never once notified me about the issue. The only notice I received from them ( XX/XX/2021 ), was an email that stated an escrow audit had been conducted on my account and that " I may have a refund ''. I did not. ( See Attachments ) I have called the Money Source several times to get to the bottom of the issue to find out what they intended to do about it and what caused this issue but they don't seem to have any answers that pass the straight face test. They keep focusing in on my XXXX veteran 's deduction which would leave me a surplus or a refund if they were overpaying. I called and confirmed with the county assessor that there were no overpayments on my account. The Money Source to this point seems unable or unwilling to tell me what's going on. They have not even apologized! They are just going to start charging me an extra {$600.00} per month for a year to make up for it. In what world is this okay? I'm a XXXX vet with a VA loan. This shouldn't be happening period. 
This issue should have been handled in the closing of my loan and is now essentially an undisclosed closing cost charged a year after the fact. The additional concern is that these folks don't seem to know what they are doing. 

Also, I receive relentless sales calls from this company trying to get me to refinance again. I have asked them several times to stop and have blocked several numbers. This proves they have my phone number but can only seem to use it when they want to up sale me but not when there is something I may need to know like a {$600.00} per month increase to my mortgage. 

Please Help! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
All my accounts are paid in full 100 %. These are typos that these companies wont fix.The account is now under litigation the balance is incorrect and I need it removed from my credit report immediately.Remove all late payments for XX/XX/19 please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: IN

Complaint narrative:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: CA

Complaint narrative:
XXXX and TransUnion are reporting inaccurate information and keep saying that XXXX XXXX is verifying not only is that not true but XXXX XXXX have provided me complete documentation showing there is no such information and have asked the XXXX and Trans Union to remove any such information. They are not doing reasonable investigations and are violating FCRA. I have sent in disputes and phone calls and still they are submitting dispute or even getting information. XXXX XXXX has not verified no such information and XXXX  and Trans Union is intentionally caused me great damage and embarrassment also with emotional distress. 
. Enclosed is the proof that i have no such public record and that i am a victim of identity theft. Came from directly from XXXX XXXX. This will be my last attempt before i am forced to take legal actions on all parties

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 2021-06-24 00:00:00
Product: Debt collection — Credit card 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management has used scare tactics and left numerous phone messages and texts stating " I have only one hour to respond ... Legal action was in force,,, possible jail time ... taking of personal property '' messages like this on a daily basis. I am also due a court date XX/XX/XXXX via XXXX. but I only live on social security check, unable to work, health issues, dont even have a car. They have scared me thinking they are coming to my house to scare me or hurt me. I am in fear. I am a senior citizen at XXXX and have health problems and financial indigent. The phone numbers they call and text and leave messages are : XXXX, XXXX, XXXX. XXXX, XXXX. I have called for free legal aid for assistance. But the harassments continues no matter what I do. I am in fear over {$1800.00} debt. Midland credit management has made me lose sleep and XXXX and scared to go outside in fear of someone hurting me. This is a crazy world now and I do not know what people are capable of. I block the numbers but they find other numbers to call and the phone is actually my son 's phone that he is letting me use. Its not even my phone. What can I do to stop this series of scare tactics that are actually causing me more physical and emotional distress over {$1800.00} that I cant pay, and dont have any personal assets or job and health issues are even more because of this harassment. Please Help Me! 
Sincere Blessings XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
On XX/XX/22 agency placed a COLLECTION on credit report without any acknowledgement or communication to me. 
THE COMPANY NEVER COMMUNICATED TO ME BY PHONE, EMAIL OR MAIL. Company states on credit report that ( I dispute debt ), I HAVE NEVER HAD COMMUNICATIONS, how can I dispute it?

BE AWARE that this agency uses unlawful and unethical collection methods.

Company is called FCO ( Fair Collections Outsourcing ) COLLECTIONS out of XXXX, MD their practices are everything but FAIR.

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 2021-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , Equifax , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

USDOE/XXXX XXXXXXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report showed that my social security number has been fraudulently used by the following names : Other people that have used this Social Security Number : XXXX XXXX ; XXXX XXXX I have never lived at the following addresses that are reported on my credit report : XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX 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 2021-06-24 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: CA

Complaint narrative:
On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: LL Capital Partners II, L.P.
State: GA

Complaint narrative:
On XX/XX/XXXX, I leased a XXXX XXXX XXXX XXXX motorcycle from XXXX XXXX Before finalizing the lease, an agent from XXXX XXXX ( acting on behalf of FCG ) expressly represented that FCG would report payments made towards the lease to the three major credit bureaus on a monthly cadence. In consideration of the agent 's express representations, I signed and executed the lease agreement. As of this writing, Fuel Capital Group has not reported the payment history on my lease to XXXX, XXXX, or XXXX XXXX. I have reached out on at least four separate occasions to inquire about credit reporting on my lease, and each time an FCG representative told me that credit reporting was " coming soon. '' It has been two months since my last inquiry, and credit reporting is still not happening. A cursory review of complaints against FCG reveals that they have been promising credit reporting on other lease agreements for years and still have not delivered.

It's clear that FCG has engaged and continues to engage in a pattern of unscrupulous business practices that exploit individuals seeking to establish or rebuild their credit history. Their actions constitute fraud in the inducement and violate statutory and regulatory consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: TX

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknow things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: Volvo Car Financial Services U.S., LLC
State: FL

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft VOLVOCARLSE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I sent a payment for {$95.00} on my cashapp to the wrong person then right after sent it to the right person. I then requested a refund from the wrong person I sent it to and have not yet gotten my refund. Ive been chatting with Cashapp support regarding this issue and they are asking me for information that I have given them about the person that I was suppose to send it to. I asked the person for the information I needed and have given it to cashapp support and theyre still saying that they cant verify the information Ive given to them and keep requesting the same information I gave them. They are refusing to move on with my refund request and requesting the same information I gave them. I just need cashapp to refund my {$95.00} for the misdirected payment at this point it is really starting to frustrate me. Just give better customer service and simply give me my refund. I am attaching documents showing the payment sent to the wrong person and the refund requested and also the payment sent to the correct person. Also the screenshots of my conversation with cashapp customer service is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/2021 I transferred {$100.00} using my debit card on the Venmo app ot my nephew. 
Two weeks after it was taken from my bank account and after several email inquiries he had not received the funds. He contacted Venmo ( ticket # XXXX ) and was told that " transfers are reviewed which may result in delays '' in being funded. They claim that transfers are usually complete within 3 days. Even after two weeks they respond that it could be 5 to 7 days to resolve!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XXXX XXXX, having written off an old debt that I owed, having exhausted all avenues of repayment because of the dire financial circumstances I was in at the time, but this debt was bought by Midland Funding, who eventually took me to court. This item was dismissed by the Circuit Court of XXXX XXXX County, Mo on XX/XX/XXXX, but still remains on my credit report, last reported as active on XX/XX/XXXX. I have worked with the three credit bureaus since XX/XX/XXXX to clear up this matter. All have co-operated with the exception of XXXX, even though I provided documentation. 

I need to understand how the documentation was verified as correct to two bureaus, but not to all three. 

Original debt : XXXX XXXX  for XXXX Account Attempt to collect : Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation