vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent my first letters over 4 months ago to XXXX, Experian and XXXX. I also sent more letters almost 2 months ago and neither of the bureaus have not been responsive to any of the lettters I sent out. I know things are slow because of COVID-19 so I'm trying to be patient but to not have received any responses at all is unacceptable to me. I am trying to get a pre-approval for a house soon and the non responsiveness is preventing me from that.

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 2020-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I deposited a check for {$1400.00} by ATM in my Fifth Third checking account on XXXX XXXX, 2020. At the time of deposit, my account had a balance of $ XXXX. As is customary, {$100.00} was made available to me upon deposit but due to the overdraw, only {$91.00} was confirmed available based on the printer receipt I received. Later that evening, with verification that those funds were available, I made an ATM purchase for about {$20.00}. 

The next morning, I checked my balance and found that it was now - {$28.00} and the deposited check had not been posted to my account. I called the bank to see why the check had not been deposited and the {$20.00} withdrawal was showing as an overdraft when the bank receipt had shown {$91.00} available after the deposit. 

To my surprise, I was informed that the bank had placed a 10 day hold on the check and that 'it didn't realize ' the hold would be placed on the deposit so the info that was printed on the receipt was moot. The bank further explained that, although the check is clearly written to me from a major company ( AAA ), even after they verified the legitimacy of the check and availability of funds from AAA, they would not release the funds prior to 10 days, essentially they were free to arbitrarily hold available funds that a legitimate payer intends for me to receive for 10 days for no other reason than they can. 

I am deeply concerned about this policy not only because I need access to those funds to feed my family and pay bills amidst the pandemic, but because there have been several banks that have been sued under class actions for policies and practices in which they hold customer funds or delay debits as a means to negatively effect consumer accounts as a means to collect additional fees. This case sounds just like that in that the bank supervisor with whom I spoke confirmed that, irrespective of how quickly the check from AAA was verified, Fifth Third would not release the funds to me before 10 days. Again, this type of random application of policy that generally harms consumers and does little to protect banks from fraud seems particularly unfair and egregious during a pandemic when family 's like mine need access to the little money they have available to sustain essentials like food, heat, and internet access for virtual school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: AZ

Complaint narrative:
Medicredit mailed a collections notice for an alleged debt for account XXXX. Under the FDCPA, a debt validation was submitted to Medicredit within 30 days. Medicredit mailed back an unsigned account statement showing an alleged balance but provided no documentation proving responsibility for the alleged debt or any payments made by the alleged debtors insurance plan. As such, I decline Medicredits form of validation & demand that proof of responsibility be provided for this account. If Medicredit is unable to do so, then I demand this debt be closed & removed.

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 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NC

Complaint narrative:
Amerisave Mortgage previously returned my {$500.00} app fee but also stated that there were not 2 loans, but only 1. Yesterday, XX/XX/20, I called XXXX ( XXXX ) XXXX re : my loan number ( XXXX ) with XXXX because of some up-charging on my auto draft from my bank that I found on XX/XX/20. XXXX informed me Amerisave made two ( 2 ) requests for payoff for 2 loans with Amerisave. Something is not right here with Amerisave. I have to wonder if this makes them more money somehow as this was done without my knowledge or consent. What possible reason would a person refinancing have to ask for 2 seperate loans to accomplish a single purpose!!!! This question has to be answered : " Does this happen often with Amerisave in order to make them more money on loans? '' I think they owe me {$60.00} for my trouble and XXXX XXXX XXXX. Please feel free to check with XXXX. I am outraged this could be happening to people like me. Are there others?????

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: MS

Complaint narrative:
The credit bureaus are reporting an inaccurate information on my credit report. Those inaccurate information affects my job and livelihood. I sent them letters to investigate properly but kept on receiving inaccurate report. I always pay on time and was never late on all my payment dues. Below are the accounts that affects my credit score : XXXX Account Number : XXXX XXXX/XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The credit bureaus are reporting an inaccurate information on my credit report. Those inaccurate information affects my job and livelihood. I sent them letters to investigate properly but kept on receiving inaccurate report. I always pay on time and was never late on all my payment dues. Below are the accounts that affects my credit score : XXXX Account Number : XXXX XXXX/XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rolfe & Lobello, P.A.
State: FL

Complaint narrative:
Debt collection Attorney Rolfe & Lobello XXXX, FL, claimed they were hired by XXXX XXXX to collect on a defaulted unsecured loan with a balance of {$9000.00}. This Junk debt buyer provided no contract which reflected they were hired buy XXXX XXXX to represent them and the copy of the contract they provided to me that I supposedly signed now suddenly has my new married name and initials, which has been clearly altered. The initials have been typed and so has my complete signature. When I signed the original contract, I went into the local branch and an iPad was used to capture my initials and signature which was my former name. 

This junk debt buyer did not provide me with a notice to appear in court, which is how they were able to obtain a judgement against me. they have sent garnishment notices to business that I have never been employed with. I am head of household which my attorney has filed the necessary paperwork and they don't want to accept it and is now challenging it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: MA

Complaint narrative:
On XX/XX/20, I was denied access to my online log in. I received the message, trouble logging in? I followed the prompt to resent password and was informed my personal information did not match the information on file. On XXXX I called the company 2 times. I was hung up on after speaking to the robot. Then I spoke to a multiple reps who transferred me to an IT rep. I was on the phone for nearly 45 minutes. I hung up because I had to work. I then contacted live chat 4 times. They recommended the same interventions each time, and each time it failed. I called CITI on XXXX. I was hung up on the first time. The second time I spoke to a representative who informed me he neededto transfer me to IT. He did so and then they hung up on me again. I am now online with chat for the fifth time. I have wasted hours of my life to log into my account to be sure I pay my bills. This company is a menace and has no semblance of IT support or customer service. Please intervene.

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 2020-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX I attempted to pay my mortgage through Homebridge mortgage website. Their was an issue with the website allowing me to make my payment for XXXX mortgage. I attempted to called IT department but was stuck with Customer service. On XX/XX/XXXX I called in to Homebridge/XXXX and spoke with representative and made my payment over the phone with the company representative and received a confirmation number. 
I noticed at end of day on XX/XX/XXXX the payment still had not been drafted from my account. At XXXX Pacific on XX/XX/XXXX I called and spoke wit Homebridge/XXXX  representative to provided my confirmation and asked about the payment draft. She ( Homebridge rep ) stated that she sees the payment was made however the representative by error did not process the payment correctly. I immediately requested a manager to reconcile the issue and that their error must not result in any late payment reflection on my credit as I am in middle of a new mortgage. She stated shell put a note because she sees I made payment on XX/XX/XXXX, note to manager to call me back and transferred me to credit customer service department where I sat on Hold not resolved.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
HCI notified me on or about XX/XX/2020 of an alleged debt being collected. Under the FDCPA, a debt validation was submitted to the organization within 30 days. HCIs response only included a billing statement indicating a balance but provided no documentation to indicate that the alleged debtor has actual responsibility for the alleged debt. As such, the original creditor listed in the alleged debt made no attempts to collect any alleged monies owed nor made any attempt to indicate that any balance may have been owed.

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 2020-11-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NH

Complaint narrative:
The lease was paid off in XXXX, with proper documentation. XX/XX/XXXX XXXX cashed two checks for the amount of {$16000.00}. These two checks were stapled to a mileage odometer form as well as other lease ending forms. I have been fighting with XXXX since XXXX to get my title. It is now 5 months later and they still refuse to send me my title and officially close out my loan! I didnt even receive a final statement from them despite my account balance showing as {$0.00}. This is beyond frustrating as my lease is officially over in less than 30 days and this should have been taken care of MONTHS ago. Instead Hyundai has given me the run around. I even resent the odometer form at the beginning of XXXX after many phone calls. And they still claim they need it or they will not release the title. This has been the most frustrating process and at least 5 phone calls have been made. I made two today only to be told by the automated system that they could not take my call and then hung up on me.

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has not been updating my credit score and giving me proper credit I deserve. My score does not increase if I pay balance off or anything. My score has been the same since XX/XX/XXXX an I have paid accounts off. Im not getting proper credit score rating an feel discriminated against by equifax. Equifax has paid XXXX balance accounts under negative accounts when balance was paid before contract ended. I have a paid for car loan that I never paid late on in 5 years and my paid off car says closed account an under negative accounts. Equifax is allowing a collection account to keep changing names just to keep a current date. The date updates as if I opened collection account in XXXX XXXX. That collection account is from XXXX an has been sold numerous of times. All the creditors that collection account been sold to is on my credit report in closed accounts or collection. The collection account went from {$250.00} dollar balance to XXXX something over the years an keep updating in different names and newer dates. Please make equifax fix my credit report and place positive and negative accounts where they should be. Also equifax does soft credit checks on my credit report from equifax without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Debt collection Attorney XXXX XXXX XXXX XXXX, FL, claimed they were hired by Onemain Financial to collect on a defaulted unsecured loan with a balance of {$9000.00}. This Junk debt buyer provided no contract which reflected they were hired buy Onemain Financial to represent them and the copy of the contract they provided to me that I supposedly signed now suddenly has my new married name and initials, which has been clearly altered. The initials have been typed and so has my complete signature. When I signed the original contract, I went into the local branch and an XXXX was used to capture my initials and signature which was my former name. 

This junk debt buyer did not provide me with a notice to appear in court, which is how they were able to obtain a judgement against me. they have sent garnishment notices to business that I have never been employed with. I am head of household which my attorney has filed the necessary paperwork and they don't want to accept it and is now challenging it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase closed my credit card account account. 

when they closed it they neglected to notify me that i have 30 days to use my cash back that i accumulated over the years and have amounted to XXXX 's of $ . 

i asked them multiple times to address the issue and return me my money and they said that its gone forever, which i believe isn't justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TriVerity, Inc.
State: OK

Complaint narrative:
I had previously requested that CU Recovery do not contact me at work. They violated this request today, XX/XX/2020 at XXXX XXXX CT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
Consumer Financial Protection Bureau CFPB Consumer Help XXXX XXXX XXXX XXXX  XXXX, IA XXXX XXXX XXXX XXXX XX/XX/2020 Subject : Billing Harassment by XXXX Dear Sir/Madam, I XXXX  an envelope from the XXXX , MA XXXX store ( XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, Invoice number XXXX, Tracking ID : XXXX XXXX XXXX XXXX XXXX Envelope ) to XXXX XXXX, XXXX on XX/XX/2020. XXXX charged me {$75.00} ( please see receipt and credit card statement ). It contained a rubberband bracelet that my XXXX year old daughter had made for her grandparents and a family photograph. However, upon arrival in XXXX XXXX I was told that the envelope could not be delivered because the Commercial Invoice was missing. This is XXXX fault and not mine. After much effort and extensive, but futile, communication with the XXXX folks in XXXX XXXX, I gave up. I told them ( via email ) to keep the envelope. I was very disappointed in XXXX and my daughter was upset that her grandparents did not receive their gift. 

The next thing I know is that XXXX has the audacity to send me another invoice for {$75.00} ( Invoice number XXXX ). Despite contacts with XXXX by email, XXXX, phone, XXXX has not resolved the matter and has escalated the harassment by recruiting a Collection agency to collect {$75.00} ( Total charge {$85.00} ) from me. 

At this point, I sent the Collection agency ( Transworld Systems XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, File # XXXX, XXXX XXXX, Invoice number XXXX XXXX XXXX ) a notice to stop and a copy of the receipt for {$75.00}. 

As a consumer, I want to know how I can stop XXXX from harassing me with these collection notices. Additionally, I want a refund for {$75.00} since XXXX lost the commercial invoice. 
This whole process has been very stressfull and I would like to know my rights and how I can make a big corporation like XXXX more responsible for its actions I will mail you this letter and receipts. 

Thank you very much, Name and address withheld

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: IA

Complaint narrative:
Around the date of XXXX, XXXX I was having problems using my IOWA Way2Go Card. I spoke with a representative. He asked me about all my personal Information, Even asked for my social, Full name and my personal Phone number, I don't remember his name but he told me after I gave him my " Primary '' phone number on file ... That phone number was incorrect. So then he told me since he couldn't go in the system to fix that information. I would have to Send him a Picture of the front and back of my " ID '' with what type of prepaid card I have And also send my case number XXXX he gave me. So I sent all that information to the e-mail " XXXX '' The representative told me once I send that information I should be expecting a email " VERIFICATION '' awaring me to wait over 24hrs or 48 business hours to see If my information have been expected or not. It has been over 48hours I haven't heard from any representative or The Fraud Services. I would just like to get the right information and know what are the next steps and what activities are going on with my account. 

Thankyou, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
On XX/XX/20 I called to pay off my account. They told me {$520.00}. I paid the total amount and closed my account. Then about 2 months later got a bill for {$250.00}. I called them numerous times and gave them my confirmation on the payoff transaction which is, XXXX. They informed me they would investigate the phone transaction and get back with me. I never heard anything back. Then I find out they turned it in on my credit report. When I paid it off i ask twice if that was the total payoff and she said yes. I am not paying this bill that they have created after my account was paid in full. They have the phone recording on that transaction that they can review.

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 2020-11-04 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 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  XXXX {$410.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX {$240.00} XXXX XXXX  XXXX {$150.00}

Company response to consumer: Closed with explanation