vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
I got a letter from this agency regarding hospital bills from XX/XX/XXXX. When I called the agency they informed me that I would have to contact the XXXX Fire Department for any billing information as well as to make sure that both my insurances were billed for this matters. When I contacted the XXXX and got the run around eventually I was informed that the agency lied to me and gave me misinformation and that they were the ones who were supposed to have all the billing information including insurance. So they are attempting to collect a debt which is covered by my insurance due to the hospital or ambulance company not putting the correct address on the mail. I only received this bill the end of XXXX of XXXX that was forwarded from my old home. 

When I called the XXXX finance department some rude unprofessional lady by the name of " XXXX '' refused to transfer me to her supervisor claiming no supervisors were available due to the pandemic. When I asked for the name of her supervisor she told me it was a XXXX XXXX. I asked for the ladies name and she just told me XXXX and that she doesn't give out her last name. She wanted to sit there and argue with me over an account number and telling me its my fault that the account went into collections and that I should have provided them with all my information when they picked me up. Just a XXXX  low class lady that obviously has no accountability for her rude minimum wage behavior. 

When I called XXXX the operator she then went mind blank claiming she had no idea what finance department she transferred me to nor anyone by the name of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TD BANK US HOLDING COMPANY
State: NM

Complaint narrative:
During this COVID-19 virus crisis, I have been trying desperately to get in contact wit TD Auto Finance to ask about my options while the Stay at home orders have been issued and work time has been reduced. I sent emails asking about this and received two responses stating to call the hotline for a resolution. At first when I called I would sit on the phone for hours only to be disconnected. Now as of XX/XX/20 when you call the customer service line XXXX it continues to tell you to contact them via their secure message center for a resolution and then disconnects. Messaging them again I receive the same response to call in or just receive no response at all. Now I may have a buyer for my vehicle and I have no way of getting in contact with TD Auto Finance because it seems they have just forgotten about their customers during this crisis. I need a resolution to this problem so I may sell my vehicle before this opportunity to self relieve from the burden passes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received an offer in the mail for a special offer on a credit card. The offer was mailed to my home with a web site link to apply as well as a telephone number. Upon logging into the website and also upon calling into the call center on XX/XX/2020 at XXXX XXXX, I spoke to XXXX XXXX ( XXXX XXXX Illinois ) and XXXX in Credit Card underwriting ( would not provide any additional information, employee number, or geographic location ) and they advised me that they are not able to let me apply jointly with my husband. We both have excellent credit, qualifying income, and maintain all of our accounts jointly, however, they told me that I would have to apply individually under the offer ( XXXX ) at XXXX. They said I could add my husband as an authorized user but not as a joint applicant. I believe I am entitled per regulations to apply jointly if that is the way that I prefer to submit my application so that all income and dual obligation is submitted initially. If I am not correct, I do apologize, however, my husband does work for a XXXX  and believes this may be a violation of regs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/2020 : Sent letter disputing accounts under the FCRA section 609 ( a ) ( 1 ) ( A ) required to verify. They never verified and accounts  remained. 

XX/XX/2020 : Sent letter asking for Permissible Purpose of inquiries ( FCRA ) U.S. Code 15 Code 168.1b and under U.S 15 Code 168.1i paragragh 5. Still remain XX/XX/2020 : Sent letter informing them of address with proof. Still reports wrong address XX/XX/2020 : Sent letter asking to verify bankruptcy under section 1681 ( c ) and section 1618 ( a ) ( 5 ) of FCRA. They responded they will not re-investigate when they  are required by law to do so. Still no verification was sent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX {$1800.00} XXXX   XXXX XXXX {$650.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$410.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2400.00} XXXX  XXXX {$6300.00} XXXX   XXXX {$0.00} US DEP ED XXXX {$1300.00} XXXX XXXX   XXXX {$110.00} XXXX/XXXX  XXXX {$1400.00} XXXX  XXXX {$0.00} XXXX XXXX {$270.00}

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
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$0.00} XXXX  XXXX {$1800.00} XXXX   XXXX XXXX {$650.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$270.00} XXXX  XXXX  XXXX {$560.00} XXXX   XXXX {$1300.00} XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$760.00} XXXX  XXXX  XXXX {$2400.00} XXXX  XXXX {$6300.00} XXXX   XXXX {$0.00} US DEP ED XXXX {$1300.00} XXXX XXXX   XXXX {$110.00} XXXX/XXXX  XXXX {$1400.00} XXXX  XXXX {$0.00} XXXX  XXXX {$270.00}

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
Consumer complaint received 2020-04-01 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: VA

Complaint narrative:
On XX/XX/2020, I reported a dispute to my credit card company for the amount of {$3300.00} at which time the credit card company MasterCard agreed to put my purchase in dispute due to faulty services. I waited the mandatory 20 days and began to call the credit card company to ask for updates on my dispute at which time they informed me that the dispute was still being investigated and continue to offer me call back services that were never performed by them. On XX/XX/XXXX I called the credit card company and ask for an update on my Dispute and found out the dispute have been cancelled per my request which was never authorized by me I asked for a recording of me canceling to dispute their credit card company failed to provide one and said it could not be located. At which time another representative put my dispute back into deep static and told me that they would follow up with me in a few days on the XXXX of XXXX I called to follow up on my dispute again only to find out that again somebody had canceled my dispute an authorized the charges without my permission. I asked again to hear the recording what's the credit card company could not provide I asked for a manager to call me and left a third message for the dispute Department to contact me. After not hearing anything I called today ( XX/XX/XXXX ) I called and spoke to a manager to inform me that she could not help me but she would escalate the case again and I would receive a call. This is the fourth time in a two months. It just casing escalated and today I have not received a call back for the credit card company and they continue cancel my dispute. The credit card company in question is Mastercard I have called them on multiple occasions and ask to speak to manager as an attempt to alleviate my concern to which I'm just told I will get a call back and never received one. I would like to escalate this issue to your department in an attempt to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Location Services Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX from " Location Services '' called me multiple times and then proceeded to harass my wife on her cell by calling 8 Times in 10 minutes. She would call from an unlisted number so I could not block the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: HI

Complaint narrative:
I called my VA mortgage servicer to enter into the 180 day forbearance plan per the CARES Act Section 4022 and despite the law stating that all that is required is " borrowers attestation to a financial hardship caused by the COVID19 emergency '' they have requested I fill out several forms including a complex financial history form. The representative stated that Freedom Mortgage has their own process to apply for the forbearance and that I have to provide this financial information. I also submitted this request through the online secure messaging form with the servicer but have not received a reply at this time. 

I am attaching a screenshot of the secure message I sent several days ago as well as the financial form the servicer is requiring in order to process the forbearance request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nicholas Financial Inc.
State: GA

Complaint narrative:
this is a charged off account for an automobile of mine that was repossessed a few years ago. I was trying to fix my credit so I had my credit report on my computer looking at it so I called the lender that I bought the vehicle from to inquire about the amount the vehicle was sold for at the auction and how much they claim that was charged off so while going over the file he the rep told me that he could mail a copy. then he proceeded to say that he seen an old complaint that I made to them about items that I did not receive out of the vehicle when it was repossessed. so I said no one never contacted me back so I just left it alone. so then he proceeded to get smart with me saying do you think we suppose to deliver them to you. so as to not engage in an argument with him I hung up. he kept calling back so I blocked his number. then 10 minutes later I received a notification to my email that someone just pulled my credit .I pulled up XXXX XXXX to see who it was and it was him the rep. I called him back and told him I just got notification that he pulled my credit and then put it in as a hard pull and stated auto loan. I was furious because I am trying to get my credit straight in order to buy a house in the next few months. he laughed and said yes he did and that I told him to do so I said I was reporting him he said so what and hung up I called you all and was told to file this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My wife and I were trying to adopt a puppy, as most people are in these times of quarantine. We came in contact with a website, XXXX and it turned out to be a scam that we forked out {$500.00} on XX/XX/2020 through XXXX to find out. My wife and I had contacted Bank of America to see if funds can be reversed, canceled ( when it was pending ), or at least flag the receiving account as fraudulent or a scam. Nothing was done. After reporting to numerous websites such as website domains, FTC, XXXX, XXXX, and a slew of other websites to warn of the scam, we turned to here since getting out money back or having the transaction was too much for the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I contacted IC Systems on XX/XX/XXXX and XXXX to try to get more information about this debt. On XX/XX/XXXX, I was told that this was a XXXX account from XXXX or XXXX, they weren't even sure what year. I told them that I did not have a XXXX account in XXXX or XXXX. They would not provide more information and when I requested proof, one of their representatives hung up on me. This company is extremely unprofessional and attempting to collect a debt that is not owed and that they can not verify. This has been removed from XXXX  and XXXX  and I am attempting to have it removed from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these suspicious accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I have constantly been in communication with the company about what day I would be making my payment but they keep calling me and my job harassing me stating that they will not be able to hold the loan. For my XX/XX/2020 payment, I explained to several of the reps that I would be making the payment on XX/XX/XXXX. However, each rudely told me that that was not acceptable and they could not notate my acct unless I came in person and sought out other avenues. The reps continued to call harassing me and my job up until Thursday, XX/XX/XXXX. I told the rep on that day that since they could not respect and honor my commitment to make my payment on the XXXX, that I will not be making the payment on the XXXX due to the harassment. I even spoke with the manager XXXX and the same rude unprofessional comment ensued. She states that they do not accept and honor scheduled payment dates over the phone. I told her that I will make the past due payment on XX/XX/XXXX and if they continued to harass me up until that point, I will continue to withhold payment. This is a ruthless, unprofessional group of sharks that are out for blood and is not willing to respect their customers and the dates that they are able to pay. They continue to call and harass, which is unacceptable. I do not ignore their calls and when I say I'm going to pay. I want the constant harassment to STOP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these suspicious accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these suspicious accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My card is with Citi Bank and I paid it off in full on XXXX ( {$23000.00} ). On XX/XX/XXXX I got a text saying I had a late fee so I called them to see what was wrong as I had paid {$400.00} on XXXX and {$400.00} on XX/XX/XXXX. The rep said it was a late fee and interest so instead of arguing with her I paid {$37.00}. That night I looked at my previous and called them the next day to see why I was charged a late fee. They said it was because i paid early and it when against the previous bill. I said I was penalized for paying early?? and the rep said they would credit it back to my back account. Nothing was credited back and I tried calling a fee times and couldn't get through until XX/XX/XXXX or XXXX. I had to explain all over again and that rep said they would credit it back to my account and I should see it in my XXXX XXXX XXXXXXXX account by that Thursday or friday, XX/XX/XXXX or XXXX. Nothing has been credited back and I've tried to call and messenger then and can not get through. I waited over an hour on the phone yesterday XX/XX/XXXX and finally hung up. I would like this resolved but can't seem to get them to fix it. I've seen others complain about them also so I feel something needs to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I have received multiple calls from Credit Management collection agency before XXXX. When they call they immediately ask for my address which I refused to verify at first because they didnt even give a company name. I informed them at that time to mail me whatever they were calling about because I wasnt comfortable randomly verifying my information over the phone. I saw them on my credit report and contact them immediately to inform them that I did not owe anything to the original creditor XXXX. I also provided them with proof and disputed with the credit bureaus and it was removed. Im still getting calls, even this morning at XXXX. I asked to speak with a supervisor and was placed on a silent hold at XXXX until I finally hung up at XXXX. I called back and asked to speak with a supervisor and was told they were on calls. I tried explaining to the representative that answered what was going on and they became very rude saying We can call as early as XXXX. I informed the representative that it was a violation and calls could not be made until XXXX of the time zone the debtor is in and that I myself had been a collections supervisor and that Im pretty sure that law had not changed but I was hung up on. Im exhausted with the harassment from this company. I have yet to receive any correspondence from them as I requested of them to have for my records.

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 non-monetary relief