vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
someone with the name given, " XXXX id # XXXX with GM financial, '' claims over the phone that I owe a large sum of money to GM Financial. I have been hung up on by these people several times. I repeatedly request written correspondence via us mail ( a Bill or Statement etc. ) that I may have an opportunity to examine them and take the necessary steps to resolve the issue. Not once has anyone sent anything or provided any documentation to me whatsoever though their reporting to the 3 major consumer reporting agencies has tainted my credit and drastically lowered my score. I had been in the process of pre-qualifying for a VA home loan and now, I am told I can not due to the now very low credit rating. My family life and professional life has been halted completely and I require resolution / remedy. If a person or corporate entity claims I owe them something, they must then present their claim in writing, affording me the opportunity to resolve the matter. They refuse to offer or present any remedy therefore this case is dismissed, account closed, all reporting from GM financial to the major consumer reporting agencies, ie XXXX, XXXX, XXXX, need to be dissolved and completely removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
It is important that the CFPB review and post this complaint as a matter of public interest. On XX/XX/2018, The Second District Court of Appeals of Florida issue a decision of great public importance regarding the enforceability to a HELOC note in the State of Florida. The second District Court of Appeals came to the same conclusion as to the Fifth DCA Court of appeals and held THAT A LINE OF CREDIT ( HELOC ) WAS A NONNEGOTIABLE INSTRUMENT BECAUSE IT WAS NOT FOR A FIXED SUM. THE HELOC NOTE FALS TO REQUIRE THE PAYMENT OF A FIXED AMOUNT OF MONEY, MAKING IT NONNEGOTIABLE INSTRUMENT. AS SUCH, IT WAS NOT SELF-AUTHENTICATING. THE HELOC NOTE IS NOT A SELF-AUTHENTICATING NEGOTIABLE INSTRUMENT. BY ITS OWN TERMS, THE NOTE ESTABLISHES A CREDIT LIMIT OF UP TO XXXX FROM WHICH WE COULD REQUEST IN ADVANCE AT ANY TIME. FURTHER, THE NOTE PROVIDES THAT ALL ADVANCES AND OTHER OBLIGATIONS WILL REDUCE YOUR AVAILABLE CREDIT. THE HELOC NOTE WAS NOT AN UNCONDITIONAL PROMISE OR ORDER TO PAY A FIXED AMOUNT OF MONEY. WITH OR WITHOUT INTEREST OR OTHER CHARGES DESCRIBED IN THE PROMISE OR ORDER. THE DISTINCTION IS NOT ESOTERIC LEGALESE. FLORIDA LAW IS CLEAR THAT A NEGOTIABLE INSTRUMENT IS AN UNCONDITIONAL PROMISE OR ORDER TO PAY A FIXED AMOUNT OF MONEY. 673.1041 ( 1 ), FLA. STAT. ( 2012 ). IN XXXX XXXX XXXX V. XXXX XXXX XXXX SECOND DISTRICT FLORIDA COURT OF APPEALS, THE APPELLANT ARGUED BEFORE THE COURT THAT THE ENDORSEMENT ON THE NOTE WOULD MAKE THE NOTE NEGOTIABLE AND THEREFORE ENFORCEABLE. THE COURT OF APPEALS HELD THAT EVEN WITH ENDORSEMENT PLACED ON THE HELOC, THE INSTRUMENT IS NONNEGOTIABLE BY ITS OWN TERMS. IT IS NOT A FIXED AMOUNT TO PAY A SUM OF MONEY, RATHER IT ESTABLISHED THE MAXIMUM AMOUNT OF BORROWING POWER EXTENDED TO A BORROWER BY A LENDER, TO BE DRAWN UPON BY BORROWER AS NEEDED. SEE LINE OF CREDIT BLACK LAW DICTIONARY, 949 ( 8TH ED. 1999 ). AT THIS JUNCTURE WE ARE GOING TO FILE AN INDEPENDENT LAW SUIT AGAINST BB & T BANK FOR ENFORCING THE TERMS OF A HELOC NOTE WHERE IN THE STATE OF FLORIDA THE INSTRUMENT IS NONNEGOTIABLE.

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 2018-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I signed up for a Citibank savings and checking account package that included a promotion : Deposit {$15000.00} and receive a {$400.00} bonus, however I have not yet received this bonus. ( Promotion code : XXXX ) The promotion terms were as follows : - Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account - Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days ( a minimum of {$1500.00} must be in the checking account ). 
- Bonus will post within 90 days from the date you complete all of the requirements - Not eligible if youve been an owner of a a Citibank checking or savings account within the last 180 calendar days I was a new Citibank customer. I opened the account on XX/XX/2018, and deposited a total of {$15000.00} to the accounts on the same day ( {$13000.00} in the savings account, and {$1500.00} in the checking ). I maintained that balance for the required 60 days. I then waited the full 90 day period that the bonuses should have posted within. The full 150 day period ended on XX/XX/2018.

I contacted Citibank on XX/XX/2018 to inquire about the status of the bonus. The customer service representative acknowledged that I was indeed eligible for the bonus, and that I had met all requirements. I was told that a request was submitted to have the bonus credited to my account, and that I would receive it within 2 business days ( case number : XXXX ). I contacted Citibank again on XX/XX/XXXX when the bonus was still not posted to the account, and I was told that the request was still pending. It's now XX/XX/XXXX, and still no bonus. 

I would not be as impatient if I had otherwise had a good experience thus far with Citibank, however they have already performed some shady actions such as unlinking my linked checking/savings account in order to charge me fees for combined balances falling below the minimum. Also, after researching, it appears many other customers have had an issue with Citi not paying promotional bonuses unless contacted by the CFPB.

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 2018-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Discovered via brief review of my credit, that a " derogatory account '' appeared on my XXXX Credit Report. The collection firm, " Commonwealth Financial Systems '' displayed {$630.00} medical debt. CFS 's ph. # XXXX and address, XXXX XXXX XXXX XXXX XXXX, PA. XXXX. Immediately I called CFS, spoke with XXXX XXXX and he confirmed debt was from XX/XX/XXXX. A medical debt with an Emergency Room in XXXX. XXXX said he had no further details and quickly added CFS is willing to accept 35 % of for {$410.00} to close the debt. I expressed my concern for not know of this debt nor who they were. I do not recall any calls or letter ( s ) referring to this old debt. I suggested XXXX  do more research and I will do so as well.

XX/XX/XXXX : I contacted XXXX XXXX Hospital, XXXX, Fl. They directed me to XXXX billing. XXXX confirmed I was admitted to the Emergency Room on XX/XX/XXXX, treated and released on XX/XX/XXXX. XXXX confirmed I paid my XXXX {$150.00} co-pay and XXXX paid the remaining balance, {$3200.00}. XXXX suggested I call XXXX for more billing details.

I called XXXX, spoke with XXXX, ( Employee # XXXX ). XXXX   hoped to have a response within one week.

XX/XX/XXXX : XXXX, XXXX, left voice message confirming I paid the {$150.00} Co-pay and has requested archive documents. She also attempted to contact CFS to inform I had Health Insurance in XXXX  but she was unable to reach them.

XX/XX/XXXX I received voice message from XXXX  she needed my approval to Fax selected health records to CFS to display I had Health Coverage.

XX/XX/XXXX XXXX, XXXX, left V message she faxed my E.O.B., ( Explanation of Benefits Payments ), to XXXX XXXX, ( CFS Mgr. ). EOB was itemized with 21 payments totaling {$3200.00} dated XX/XX/XXXX & XX/XX/XXXX. XXXX spoke with XXXX  who stated debt will be removed upon receipt of the EOB..

XX/XX/XXXX I spoke with CFS 's Mgr. XXXX XXXX. He confirmed receipt of the EOB but it now had to be reviewed by another team. He said it should a few days.

XX/XX/XXXX I called CFS asking for XXXX. Spoke with XXXX who stated the review will take a few more days. I expressed my frustration as CFS had the EOB document, full payment confirmation, for more than 10 days. " Please have XXXX  call me ASAP.

XX/XX/XXXX : At this juncture I question if CFS is now operating outside the parameters of the law. 1 ) State of Florida could not confirm CFS 's appropriate licensing. 2 ) It may be considered " Fear tactics '' adding a debt to a consumer 's credit report without confirming contact with the consumer first. 3. ) Now having documented proof of the EOB, direct from the Health Insurance Co, in their hands for over 10 days why has there been further delay to declare this debt paid? This may be considered " harassment ''.

CFPB, Please assist me to resolve this 5 year old issue. I do not know what more I can do..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
DEAR CFPB : This matter is in regards of, 4 Debts, one is from : XX/XX/XXXX, another one is from:XX/XX/XXXX, the other one is from:XX/XX/XXXX, and the last one is from:XX/XX/XXXX. I wrote the debt collector before 30 days as per Sate and Federal Laws dictate, NOT TO CALL ME, NOT TO HARRAS ME, that this matter was closed and PAID IN FULL to the collection agency. I also requested to the collection company that if they had anything ells to please to contact my Attorney in charge of this matter. This collection Agency is abusive and keeps writing me mail and keeps calling me 4 to 5 times a day. Thank you. Respectfully yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Good morning, we entered into a conventional loan with Citibank and provided less than 20 % down payment, requiring PMI monthly payments. Since XX/XX/XXXX we are providing double principal payments, to reach the 20 % equity value quicker.

Additionally, home values in the XXXX Florida area have risen, i.e. two neighboring homes, each comparable to our home, sold for {$350000.00} and {$330000.00} respectively, when we bought our home at {$280000.00} also completely remodeled ( same circumstance as the sold properties ). Lastly, we have invested in the property, made upgrades ( in form of remodel ) and also added to the property, therefore the original appraisal to the home is no longer valid.

Upon calling Citibank, twice this week ( Monday, XX/XX/XXXX and today, XX/XX/XXXX ), asking for a PMI cancellation and opening process for re-appraisal, requirements are good standing with the loan payment history, loan in place for minimum 2 years and now we are told that we have to be a 78 % home value on the loan.

This makes no sense, as at that point, it is an automatic cancellation of PMI and I wouldn't be requesting an appraisal, which at the end of the day is paid out of my pocket.

It is my feeling that Citibank is providing delay tactics and not allowing us to go through the process of an appraisal and qualify for cancellation of this additional PMI payment. If I am requesting for this process to be done, it is because we feel we our property has a higher value than what we bought for. It is my understanding that we have the right to request for an appraisal, especially given the comparable home values of recently sold properties.

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
I have a debt reporting on my XXXX credit bureau. I have tried resolving with the collections company Alpine Credit , Inc by mailing a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX  from the credit report, of which I received no response from and also there is no contact number provided on the report which is required. The debts reporting are {$150.00} and {$210.00} medical bills reporting in my deceased spouses name, who passed away XX/XX/2017. This is not my debt, nor did I sign as signatory financially responsible for this debt. I have tried multiple times to reach the company to discuss this and resolve but have been unsuccessful in reaching them. The contact information listed on the credit report is not good contact information. for Alpine Credit.My rights under the FCRA and FDCPA are being violated, and if this isn't resolved I will contact an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
After trying for over a month to resolve this matter, I am writing to you to ask for help. Wells Fargo bank is holding my funds hostage. My daughter recently moved to XXXX to work on her XXXX XXXX degree. We opened a joint account so I could access the funds if she needed anything. She set up online banking so she could transfer between her Wells Fargo account and her bank in XXXX. On XX/XX/2018, Wells Fargo put two trial deposits into the XXXX bank account to verify the account. On XX/XX/2018, using Wells Fargo online banking, I initiated a {$3000.00} transfer from the XXXX bank account to Wells Fargo. The money was debited from the XXXX  bank account on XX/XX/2018 ; but has never been credited to the Wells Fargo bank. For the past month, my daughter and I have on many occasions either visited a branch or called a branch to find out the status of the money. I have been told that since a claim was made by my daughter, that they could not speak with me concerning the case. On XX/XX/2018, I visited a local branch of Wells Fargo to once again try and locate the missing money. After spending over an hour and speaking with three different people via the phone, all I know is that they suspected the transaction was fraudulent and returned the money at XXXX. They still can not say where the money is or when I should be receiving the credit for the deposit. They did tell me to check with the XXXX bank which I have but was told, " since the transaction started on Well Fargo 's website, they would have to resolve this issue. ''

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 2018-09-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After receiving my three ( 3 ) Annual Credit Reports, I discovered that Chase Card Services had flagged my decades old account ( which was never reported negatively ) with a late payment in XX/XX/XXXX.

As such, I contacted the Credit Bureau Support Unit ( CBSU ) of Chase and an investigation was commenced centering around the XX/XX/XXXX period of time. During this period, I was experiencing severe financial hardship due to loss of employment and a reduced pension allowance. I was in telephone contact at least twice in XX/XX/XXXX with Chase Card Services in an attempt to remain in good standing with my payments and requesting relief.

Chase contacted me on XX/XX/XXXX via telephone and explained that one of our telephone conversations had been transcribed from XX/XX/XXXX ; however, only one conversation was eligible for transcription. The reason for this arbitrary and capricious policy was not articulated. The conversation that was transcribed revealed that I was instructed to make ANY payment in order to keep the account current and such action would not impact me negatively. I understood this direction to mean my account would continue to be reported in good standing. Chase 's view of this direction was explained to me as only being advice and not meant to convey favorable reporting of the account. Indeed, a later conversation in XX/XX/XXXX would convey the same direction, but alas Chase declined to transcribe both contacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Phone : ( XXXX ) XXXX in XX/XX/2018 regarding a debt from XXXX that in my recollection was paid in full. The debt was for {$450.00}. I called the collection agency and asked them to validate and verify the debt. I was sent a bill from XXXX, that simply showed a balance, but did not provide any details of the reason for the debt. I called the collection agency the week of XX/XX/XXXX, and after being transferred multiple times, the representative from Convergent explained that they could not find the account and I should call back. I called back and spoke with a representative during the same week, and explained what was sent to me. She was kind and empathetic and said they would send a detailed, itemized bill that would explain the debt. I heard nothing after that. I was notified on or around XX/XX/XXXX that the company reported the debt to XXXX.

I called the collection agency and explained that I still have not received information that validates the debt. The person became combative and said there's nothing they would do about it. I asked to speak with a supervisor and was hung up on.

I've submitted two disputes to XXXX, and the outcome was that the company validated the debt. I have still not received any information that validates this debt, according to the FDCPA guidelines.

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 2018-09-28 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: CarMax, Inc.
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my Auto Payment is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
DEAR CFPB : This matter is a continuation of the debt in reference to the same collection agency. in the 2 other accounts. I am asking the collection agency not to contact me any longer, to contact my attorney. this matter where already PAID to the collection agency. So please do not call me do not harras me and do not write me any more. Thank you Respectfully yours ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Dear CFPB Officers, At XX/XX/2018, I received an official email from PNC bank, stating if I make two bill pays, I will receive a {$15.00} bonus afterward. I made the two bill pays at XX/XX/2018, but I still didn't receive the {$15.00} bonus until today. I have contact PNC bank multiple times, but the representatives only told me that I would receive the bonus soon, but they refused to investigate this issue from their end for me. So I sincerely request you to contact PNC bank to send me the {$15.00} bonus as I have completed the bonus requirement. I have attached the original email for your review.

Thank you very much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have been working with XXXX XXXX for going on 5 months trying to repair my credit and pay off debts. I have been on a payment plan for going on 3 months instead they continue to send threatening letters with lawsuits even though I'm in the process of paying off the debt. Every time I talk to somebody on the phone they pretend like they don't know what's going on it's a very uncomfortable experience. I have no idea why they keep sending letters to be taken to court when I am in the process of paying the debts currently. I have received 11 letters in the past 3 months. Every time I try to rectify the situation they tell me that the person that is working on my account is not in the office. Again I have been making current pants for the past 3 months yet they continue to pursue me for a lawsuit. They are also sending the letters in the mail without an envelope with everything written in the open on a postcard for anybody to look at that comes across the mail. This is nothing short of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The company XXXX XXXX XXXX is saying I own them {$3100.00} from an account they have from XXXX XXXX credit card from XX/XX/2001 and is currently now taking {$300.00} out of pay check. I've called the company multiple times letting them know they are wrongfully taking money out of my paycheck, and that they have the wrong person

Company response to consumer: Closed with explanation