vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I XXXX XXXX am trying to avoid filing a chapter XXXX bankruptcy petition. However, before I do that I want to obtain the actual ownership of my current creditors that went into default several years ago. I hereby file a qualified written request on each defaulted creditor, and if any of these debts were sold off to a third-party debt buyer, then I will review the proper documentation to make sure all proper legal requirements were initiated. Accordingly, I request full validation of the stream of ownership on each account under reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: CO

Complaint narrative:
I got a Costco Credit card from Citibank over 2 months ago. The company failed to send me any bills in the mail and I did NOT authorize e-billing. All of a sudden I started to get collection calls saying my account was overdue. I went to my online bank site to pay Citi ( despite not seeing a bill ) but I have no address to put into the site so I can pay. Logically, I call the phone number on the back of my credit card to try and resolve the problem but, after going through multiple menus, the automated phone service says they will transfer me to an agent but then the line goes silent. I waited in silence for over 20 minutes with no response. So, I'm not getting a bill mailed to me, am getting automated debt collection calls, and am unable to reach anyone in the company to talk to.

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 2019-12-13 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: CCS Financial Services, Inc.
State: CT

Complaint narrative:
This account pop up on my credit and I never sign with these creditors. I do not identity with these creditors

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I was initially notified by IQ Data International , Inc, regarding a bill that needed to be paid. I told them initially to not call me because I was receiving so many calls and that I was going to deal with the debt. They called again, repeatedly, but I did not answer because I already submitted my form of payment to the company. I received the payment back because I did not submit the correct zip code when I initially sent it. I reached out to my apartment complex again and she advised me the correct address to submit payment to, so I submitted my payment. I received a notice saying that the debt was added to my credit report so I called the company trying to explain what happened, but I was met with some of the most disrespectful and out right disgusting behavior from someone specifically by name of XXXX XXXX, if that is the persons right name. I 100 % assumed responsibility for the debt and did not have an issue taking care of the bill, but the number of calls is annoying. Before I could even explain she interrupted me and told me that the bill was valid, that I knew the bill was there. That I did it. Its my fault. at that point, that aggressive nature, essentially berating me sent me over the edge and made me extremely angry and led me to express myself. I tried to explain that the payment had already been sent, but she kept stating she was not going to update this to the credit bureaus and she doesnt have too. I tried to deal with another rep, but XXXX kept answering the phone stating I could not speak with anyone else only she was there and that she was not going to assist me with what I needed and that she is the only supervisor and that the next higher up is the President of the company. I called at different times trying to resolve my matter because I did not want the argument that she seems to be looking for with this ridiculous and outrageous behavior. I tried to pay the bill, but want the fair opportunity to have this taken off my credit. The rep advised, " I will not take this off and I do not have too because you cursed at me ''. Well this rep innapropriateley handled my business matter by crossing the line by questioning my integrity, I'm sure that is not ethical debt collection practices. Im sure in the training session their employees can not dictate what they can and will not do based off of personal feelings. I also never received a paper copy of the bill either. If i received a paper copy none of this would have happened because I would have had the correct agency to submit payment too.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$500.00}, {$4000.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account.

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

4. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$800.00} -This is not 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 2019-12-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$500.00}, {$4000.00}, {$800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account.

2. XXXX XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$800.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been disputing this account for almost a year now and all I want is to have this account removed from my credit report. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Amount : {$1500.00} I have tried to fix this problem multiple times and told them that this account is not reporting correctly. The date opened and the amount owed is incorrect. I don't recall having a balance of {$1500.00}. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

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 2019-12-13 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have been disputing this account for almost a year now and all I want is to have this account removed from my credit report. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Amount : {$1500.00} I have tried to fix this problem multiple times and told them that this account is not reporting correctly. The date opened and the amount owed is incorrect. I don't recall having a balance of {$1500.00}. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

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 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/2019, I received a phone call from XXXX with a caller ID indicating XXXX XXXX from XXXX XXXX, CA. I answered the call and went through two transfers with the phone cutting in and out. I then was told the call was from XXXX XXXX and they were calling about a Debt with PayPal credit. I asked the reps name and was told it was XXXX XXXX. XXXX has an XXXX accent and was hard to understand. She indicated that today shes calling about a debt they purchased from PayPal and you owe us today. Ive never received any form of communication from the company prior - she indicated that a letter had been sent to my home address on XX/XX/XXXX. I told her again Id never received this letter and asked if she could please resend it. Each time I attempted to ask her a question about this, she cut me off and said you need to pay this today or Im turning it to court. She then said, you made a payment on XX/XX/2019. Again, I asked her to send the letter as required by the FDCPA - she then started to get irate and ramble. She began to say, youre refusing to pay today ... I again told her to send me the info first. I told her not to call me until I get the letter. This same number has called my husband on his cell - hes not even on the credit card. This is the first time I received this call. I want documentation from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I XXXX XXXX am trying to avoid filing a chapter XXXX bankruptcy petition. However, before I do that I want to obtain the actual ownership of my current creditors that went into default several years ago. I hereby file a qualified written request on each defaulted creditor, and if any of these debts were sold off to a third-party debt buyer, then I will review the proper documentation to make sure all proper legal requirements were initiated. Accordingly, I request full validation of the stream of ownership on each account under reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I lost my job XX/XX/XXXX of 22yrs my mortgage was {$1000.00} monthly my mortgage increase to XXXX monthlyXX/XX/XXXX. I called my mortgage company in XX/XX/XXXX to talk about this HUGH INCREASE OF MY MORTGAGE. I was told that there is nonething I can do about the increase after the lost of my job in XX/XX/XXXX I had to paid my monthly mortgage of {$2000.00} and live off of my 401-K I had fallen behind in my mortgage XX/XX/XXXX. I called my mortgage company every month to discuss my finances I had no income coming in I was told I had to be at least 3 months behind before I could apply for a loan modification. I finally was able to apply for a loan modification in XX/XX/XXXX I was denied because of debt to income ratio I was advised to reach out to ( HUD ) non profit organizations I contact XXXX for help and couseling talked about finances got a buget put together they are my Representative for my modification I was turned down again for the exact same reason debt to income ratio the same reason as my first denial by my mortgage company ( PennyMac ) I was mailed out a denial letter before my Representative with XXXX contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: MO

Complaint narrative:
I have called the hospital in XX/XX/2019 about not receiving a bill and being sent to collections and they stated that they had my address and it was the slating address, I stated that it was funny because the hospital owns the clinic my primary doctor is out of and their system is linked. Contacted them again in XX/XX/2019 about not receiving another bill and they stated they still had my address in XXXX, MO which is wrong still. And now there is yet another collection on my account from a bill I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Order Number : XXXX Date : XX/XX/2019 Order Number : XXXX Date : XX/XX/2019 I have never consented to TransUnion charging my credit card. I had this issue last month when a charge showed up on my statement ; when I called, they told my that the false subscription was cancelled. I have been charged again this month, and nobody is giving me a direct answer on what's happening. I would like TransUnion to remove all my payment information and cancel any " false subscriptions ''. I would also like to be refunded for these seemingly illegal/fraudulent charges.

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 2019-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
I was paid on XX/XX/19 by XXXX with a check from XXXX XXXX   for XXXX. I mobile deposited the check on XX/XX/19 to my XXXX XXXX account. The funds were released. Then on XX/XX/19 the check was deposited again by an unknown individual to Eastern Bank. XXXX was charged twice, he said he opened a claim and that they took back my funds but not from Eastern Bank and was unsure why. XXXX tried to open a duplicate check claim with XXXX XXXX and the FDIC was involved. They issued a temporary credit to my XXXX account but then took it back out. I was never explained why. I inquired with XXXX he said there is nothing more he can do. He stated that the person at Eastern Bank still has his money. The individual who fradguaently cashed the check a second time. You can see that they never did a second signature on their mobile deposit, and that account is not one belonging to me with my name, so a second signature should have been required to process that. 

You can see a trail for checks deposited by me from XXXX. The unknown individual at Eastern bank has no trail as this was fraud. They have the funds that are supposed to belong to me. 

I have reached out to all three banks and they all are saying to contact the other.

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 2019-12-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was never late on this card. The company had double charged and during the debate and waiting for them to give me correct information they went ahead and put in not one but two late  payments this was a nightmare I had talked to several agents all saying something different .Finally we found I owed a small amount I had been told I did not I paid immediately paid off account and then closed the account for bad customer service. I asked them to remove this but they have ignored me now resulting in a bad report on my credit

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 2019-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
On XX/XX/2019, I purchased a vacant home insurance policy from XXXX. I paid the first premium of {$560.00}. The vacant home insurance was necessary as my existing policy was due to expire XX/XX/2019 and the sale of the home was not closing until after that date ( between the XXXX and XXXX of XXXX ). Unbeknownst to me, unrequested by me, and undesired by me, XXXX/Loancare on XX/XX/2019 inexplicably sent a payment of {$2600.00} constituting the entire year 's worth of premium to XXXX. This overdrew my escrow account by a significant amount. I found out about it on XX/XX/XXXX. I assumed XXXX had made the withdrawal. I contacted them XX/XX/2019 and they assured me they had not requested that payment and that they would return it and it should be redeposited in my account. As it is impossible to reach anyone at XXXX by phone, I sent two emails to them asking about the payment. I never received any response from them. It is now XX/XX/XXXX. My loan is due to close TOMORROW and XXXX is still showing an overdrawn escrow balance and is asking me to pay it off and then increase my mortgage payment going forward. It should not take an entire month to correct this problem. Also, the Loancare/XXXX  website looks like it was built by a 3rd grader learning to code. I can't wait to pay off this loan and I hope to never have to do business with these morons again.

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 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
We have been loyal customers of XXXX for more than 10 years. On XX/XX/2019 we switched to another company. When we received the last bill by XXXX we were surprised to see that instead of issuing a prorated bill for the 6 days we used their services ( from XX/XX/XXXX to XX/XX/2019 ) they charged us for the whole 30 day period! 

We called multiple times the customer service center of XXXX and they insisted on that. We requested that they present us with the contract we signed more than 10 years ago and they referred us to their website, which for old customers initiated service more than 10 years ago the contract DOES NOT state that prorate is not the case for cases like ours. 

As a final action, we wrote to the Customer Relations of XXXX, but instead of replying to us with specific arguments and facts they decided to send the claim to a collection company! 

After that we would like to let you know that we dispute this debt and we are willing to pay the fair amount for the service we had. Thus, to pay, for the 6 days of service per {$3.00} per day, the amount of {$20.00} plus taxes and fess of {$10.00}.

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