vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My account access is locked and Citi will not provide me access so I can move my money out of this worthless company. I WILL NEVER DO BUSINESS WITH CITI 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 2020-10-30 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I do not have a contract with this company. These people are trying to make me pay money that I do not owe and continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I was applying for a credit card and was denied in the beginning of XX/XX/XXXX. I looked on my credit report and saw there was a collection agency on it, Diversified Adjustment. I called them and spoke with XXXX, XXXX. She asked me if I live at XXXX XXXX XXXX XXXX and I said no. I later called om XX/XX/XXXX and told XXXX I never got a debt verification letter and she explained XXXX was the ones who hired the collections agency to get money they thought I owed them. I took 1 week off to get things sorted and to get a police report that indicates grand larceny, from XXXX as it was a XXXX employee XXXX XXXX XXXX that opened a second account without my knowledge and bought {$7100.00} in my name, committing identity theft as he asked me for my whole social # and took a picture of my drivers license. I emailed the collection agency four times to give me a letter that shows the debt that is being owed. They never responded to me. XXXX hung up on me as well as XXXX. This collection agency breached the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Celebrity Financial, Inc.
State: CO

Complaint narrative:
We refinanced our home with Celebrity home loans on XX/XX/XXXX. The funding manager came to our home to notarize the refinance documents. She was unable to bring copies and said she would email us the following day of all the papers we signed. On XX/XX/XXXX we still had not received copies of the above documents and I reached out via email to the funding manager. I received a response and was told the loan officer would get us a copy of our closing documents. On XXXX I emailed our loan officer following up and letting them know we received the refund from our previous loan servicer for our remaining escrow and they could cash our closing check. XX/XX/XXXX I sent another email and called the previous day leaving a voicemail with no response. I received an email later that day from the loan officer stating the titling processes that and she would cc them onto the email. XXXX I sent another email to the loan officer as I still did not hear back from the titling department. XXXX I was notified be email that loan officer was no longer with the company and a new agent would be taking over. She stated she would look into the issue. XX/XX/XXXX I still had no resolution regarding the copies of the closing documents. I received a response later that day, " I will light a fire today!!! '' XX/XX/XXXX and still no response so I sent an email stating I was going to file a complaint if the documents were not received by XX/XX/XXXX. I still never received a response to that email as of today nor has our closing check been cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
This company XXXX XXXX XXXX XXXX XXXX keep sending me bills and trying to collect a debt that is not mine, I already dispute this with the credit report companies and I already made a complaint in consumer finance and results were positive to me and negative information was removed from my credit reports but I just find out that they send this account to collections again, Im about to take this to the legal side because I just have a XXXX XXXX and my doctor told me was because the stress and the only stress I have is because XXXX XXXX XXXX XXXX XXXX ... XXXXthis is the last effort I making to fix this situation thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: PA

Complaint narrative:
THIS IS NOT A DUPLICATE Chase charged me {$120.00} on XX/XX/XXXX. Till date, XXXX the vendor who was supposed to get this payment has not received it. I spoke to their Billing dept yesterday. 

I called Chase and they want the Vendor to call their Bank. 

This is ridiculous and has happened first time in 30+ years since I have used a credit card. Chase charged me and need to pay the Vendor. If the Vendor does not get it, I need refund back. Why should my vendor call their Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: GA

Complaint narrative:
Since XXXX, I have been challenging things on my credit. There are items on my report that are not mine. There are duplicate accounts shown for the same erroneous items. I have not received any response from the credit bureaus. It has been 7 months of me trying to get the incorrect items removed. The Dates of my most recent letters are below : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 There are 38 Inquiries on my Equifax that I have continuously asked to be removed. 
There are 25 Inquiries on my XXXX that I have continuously asked to be removed. 
There are 22 Inquiries on my XXXX that I have continuously asked to be removed. 

There are 3 Derogatory Marks on my Equifax that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX  : XXXX  XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 3 Derogatory Marks on my XXXX  that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 4 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

I simply would like the Credit Bureaus to Uphold the law and delete these erroneous accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: GMA Investments, LLC
State: FL

Complaint narrative:
this company XXXX XXXX I have paid more than XXXX years, I need this abuse and report to my person and my credit to be corrected immediately! He held XXXX XXXX directly responsible for not ERASING an account already paid from my credit and for continuing to use my ID to damage my credit!

Company response to consumer: Untimely response
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
This is a NEW complaint. Select portfolio servicing did not ATTEMPT to collect a debt not owed. They have {$250000.00} for a debt in dispute XX/XX/2020 select portfolio servicing provided a payoff statement in the amount of {$250000.00} to the title company. XXXX XXXX  collected this amount that was wired to sps that day. XXXX XXXX sps returned the money to the title company which because there was no release provided was promptly returned to Sps. Sps then returned the money to XXXX XXXX. XX/XX/XXXX sps received a check for {$250000.00} from my proceeds from XXXX. No releases have been recorded and I still do not have my proceeds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: Mobiloans, LLC
State: FL

Complaint narrative:
this company MOBILOANS LLC I have paid more than two years, I need this abuse and report to my person and my credit to be corrected immediately! He held MOBILOANS LLC directly responsible for not ERASING an account already paid from my credit and for continuing to use my ID to damage my credit!

Company response to consumer: Untimely response
Consumer complaint received 2020-10-30 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: GMA Investments, LLC
State: FL

Complaint narrative:
this company XXXX XXXX I have paid more than two years, I need this abuse and report to my person and my credit to be corrected immediately! He held XXXX XXXX directly responsible for not ERASING an account already paid from my credit and for continuing to use my ID to damage my credit!

Company response to consumer: Untimely response
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Komyatte & Casbon, P.C.
State: IL

Complaint narrative:
Back in XX/XX/2020, I submitted a payment to the Collection Agency ( Komyatte & Casbon ) in the amount of {$55.00} and asked them to update or remove the negative information from my credit file, along with issue a letter to this effect. To this date, XX/XX/2020, my credit file has not been updated nor have I received the letter stating this account had been paid in FULL. I have called on several occasions and was told this is being processed, but as stated above, my credit files have not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
There was a fraudulent charge placed on my Barclays Jet Blue card ending XXXX. On XX/XX/XXXX {$100.00} was charged to my account said XXXX XXXX on the statement. I had a XXXX balance on the account before this fraudulent charge was placed. Barclays has not removed the charge and have added {$40.00} each month late fee. 
My credit score has dropped 84 points due to this crime.

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 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc
State: TX

Complaint narrative:
My mortgage payment is XXXX, has been for over one year. I pay ( except for ONE payment ) XXXX each month and state " difference to principal, which would be {$1.00}. 
Capitol Mortgage Services ONLY applies XXXX cents and so far has REFUSED one phone call, two e-mails and their web site e-mail to credit the principal the difference or even tell me why. 
I pay it, I tell them where to apply and they refuse, won't even tell me a single thing or do a single thing to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Received calls from a XXXX at Wells Fargo looking for a relative, lied to me to try and obtain information that I did not have.

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 2020-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: TX

Complaint narrative:
americollect XXXX XXXX XXXX americo collect sent me to collection for a medical bill when I went through a Covid 19 pandemic, and I don't even have a job to pay for food for my family. there is little communication from them in trying to solve this problem of their payment of money that is only XXXX dollars. 
Please, I am willing to start paying after the pandemic is gone, but now I am going through a very difficult situation and I need a temporary break. 
Thank you and I would appreciate your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/2020 I received a U.S. Bank ReliaCard. I knew that I hadnt applied for this card nor do I have an account with this bank. After doing some investigating, I believe this card was sent to me because someone applied for unemployment benefits in my name. Im not unemployed. I tried calling the number associated with the card and the number is inoperable. This needs to be investigated and fixed.

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
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
In XXXX I agreed to refinance my home with US Bank. 4 or 5 days before closing they asked for an additional {$10000.00} in escrow that was not part of the estimate they gave me. I was upset but had gone through so much of the closing process decided to still close with US Bank. I made that decision because the US Bank employee I was communicating with wrote in writing " after 2 months of payments can cancel the Escrow and it will only take 2 days to do it ''. 

I have now been trying to cancel the escrow for 7 or more weeks now. Throughout the process US Bank adds another layer of red tape that is not disclosed. Like the {$1200.00} fee to pay them to cancel the escrow that was paid 3 weeks ago. 

Every time I speak to someone at US Bank I get a different set of rules or steps. It feels like they are just a bunch of liars but its more likely they just grossly inadept. 

The process has been frustrating. They don't care that I was told it would only take 2 days. I have offered to forward it to them, the emails from their employees. 

I do not think that a bank/mortgage company can mislead consumers in the loan process. It should be in writing and they should keep written commitments. They also said if I would pay my property taxes they wouldn't need the {$10000.00}. The next day I paid my property taxes and sent them the receipt. They then said, oops we made a mistake telling you that and we are still requiring the extra {$10000.00} at escrow. 

If I make a mistake, lets say I don't pay them, etc. Will I get to say Ooops? Can I lie to them or mislead them? Why is it only one way?

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 2020-10-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: 2288984 Ontario Inc.
State: TN

Complaint narrative:
XX/XX/2019, I had taken a Payday loan from Money Key. I am NOT disputing Money Key, I am disputing a company that told me that they purchased the debt. The company is called XXXX, XXXX XXXX XXXX XXXXXXXX and I was told they are based in XXXX. I along with 2 of my friends received a call from an unknown number stating that if I didn't call XXXX that someone would be at my home or work place in 48 hours. I did not call back, so they called again the next day. My friend answered her call, and spoke with XXXX XXXX who called from an unknown number and told her that if I didn't call back they would be be at my home or work place in 24 hours. So I called back. I spoke with XXXX XXXX that had all of my information from Money Key. He had 2 recommendations for m. The first was that I could refuse to apply and they would proceed with legal action and I would be charged court fees and interest on top of the original debt or I could make a voluntary agreement with them to pay monthly installments on the debt but I would have to pay with debt card, credit card, prepaid card, but I could not mail the payments. I agreed and gave them my credit card. He then transferred to a lady. I didn't get her name, but she was to confirm everything. I asked what was the name of the company and she stated that I spoke with XXXX from XXXX but she was from XXXX XXXX  which is explained to be a third party billing company. She stated that they would send me an email for me to sign to confirm. When I received the email, it did not look right to me. No address and the grammar was off. So I called the number I called early that evening and it went to voice and said that I reached a XXXX area code phone number which is in XXXX, WI. So I XXXX both companies and can't find a website or address. I XXXX the phone numbers and could find nothing. I called XXXX XXXX back at XXXX, the next morning, and they stated that they are based in XXXX, and they not have a building with an address for me to send my payments to. He then stated for me to follow the chain of title. That this was a pre litigation collection. So I stated to him that I would like for him to mail me everything. He got defensive and stated that he was removing my credit card information and take this to litigation, so I told him I would see him in court. 

I have attached the agreement that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
I processed my scheduled monthly payment on my account as I have been for years and years. My normaly payment of {$340.00} was due XX/XX/XXXX, I processed my monthly payment on XX/XX/XXXX ( before being 30 days delinquent ) As i have done many time over the course of the loan. 

Suddenly now VW credit wants to list that my account was over 30 days late when that is not false. I've requested they fix the issue and explain it & no one can seem to give me an answer on what's going on. 

I'm not sure if VW credit is hurting for $ $ due to the coronavirus, but i've made ALL my payments during this pandemic and never requested any forgiveness. The fact they want to say im past due is atrocious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30 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: GA

Complaint narrative:
Since XXXX, I have been challenging things on my credit. There are items on my report that are not mine. There are duplicate accounts shown for the same erroneous items. I have not received any response from the credit bureaus. It has been 7 months of me trying to get the incorrect items removed. The Dates of my most recent letters are below : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 There are 38 Inquiries on my XXXX that I have continuously asked to be removed. 
There are 25 Inquiries on my XXXX that I have continuously asked to be removed. 
There are 22 Inquiries on my Transunion that I have continuously asked to be removed. 

There are 3 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 3 Derogatory Marks on my Transunion that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

There are 4 Derogatory Marks on my XXXX that I have asked to be verified for 7 months. The bureaus have had months to do so and yet they still have violated the FCRA by leaving these items on my credit report. They are : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed twice, it's a duplicate fraudulent account! 

I simply would like the Credit Bureaus to Uphold the law and delete these erroneous accounts from my credit report.

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