vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARS National Services, Inc.
State: FL

Complaint narrative:
I was making regular payments to ARS National Service for a debt collection on a XXXX XXXX Credit Card. ARS lost the account and XXXX XXXX hired a new collection agency, XXXX XXXX XXXX   per their letter dated XX/XX/XXXX. The balance due according to XXXX was short by {$200.00} for the last two payments made to ARS National Service for the XXXX  XXXX account on check # XXXX dated XX/XX/XXXX and check # XXXX dated XX/XX/XXXX. Both checks cleared my account, which should have brought my balance down to {$5400.00}. I wrote a letter to XXXX on XX/XX/XXXX, informing them of this error. They never responded. I wrote a second letter XX/XX/XXXX and copied XXXX XXXX. I included copies of my canceled checks XXXX and XXXX. On XX/XX/XXXX XXXX XXXX sent a letter requesting that I call them. On XX/XX/XXXX they only acknowledged payment up to XX/XX/XXXX, but make no mention of the two subsequent payments on check # XXXX and # XXXX paid to ARS National Service. On XX/XX/XXXX, XXXX XXXX sent a letter requesting that I contact them via phone. They called me on XX/XX/XXXX per the attached copy of my cell phone detail for the incoming call. During the course of the conversation, XXXX XXXX acknowledged that ARS had received and cashed checks # XXXX and # XXXX in XXXX and XXXX respectively. They told me that ARS had refunded me but I informed them that I HAD NEVER RECEIVED A REFUND FROM ARS. XXXX XXXX then proceeded to tell me that I had to " DISPROVE '' that I received a refund by submitting a copy of my bank statements for the two months in questions. HIPAA laws not withstanding, I refused and asked that XXXX XXXX or ARS provide proof of refund via copies of THEIR canceled checks just like I did to prove payment ( which of course they can't provide because I NEVER received a refund. ) XXXX XXXX recorded this conversation for " quality control purposes '' and if two party consent is needed, I hereby give my consent via this claim for CFBP to retrieve an audio copy of the conversation. I can also provided a notarized affidavit attesting to what was said during this call bertween XXXX XXXX and me. XXXX XXXX followed up with a letter the same day, XX/XX/XXXX, reiterating that my balance was for {$200.00} more than my payments reflect. I don't know if there is a sweetheart deal or going away present that XXXX XXXX gave to ARS via my XXXX and XX/XX/XXXX payments. All I know is that ARS needs to forward the two payments to XXXX XXXX or issue a refund for {$200.00} to me. I have set aside {$800.00} for payments from XX/XX/XXXX to XX/XX/XXXX and am willing to escrow this amount with a government agency until the issue of the theft of my payments is resolved. I have attached all pertinent documents by date order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
In 2015 i purchased a mobile home for XXXX. It needed to be a complete re do. I lived in it for over 1 year. After 1 year the mobile home park couldn't give me my title that i needed for homeowners insurance, wouldn't fix park safety hazards, and i was within my tenant space rights to withhold rent due to illegal septic vents, rats, and illegal misleading of meters. All of this was verified by the state, health department, code enforcement, and emails i have. I came to an agreement to walk away from the home and they wouldn't take on any legal action against me and I wouldn't against them. 
My last day there i was served with court documents. I spent months sending them via email to the attorneys who were in charge of the debt. Filed my response with the court and left my forwarding info with the park. I never received a court date or heard another word. 
Then came the calls, emails, harassment threats to put me in jail. All illegal things. From a law firm. 
I requested, in writing proof of what they say my debt was. I never got a single thing from them. I told them they needed to stop calling me my friends and relatives and put everything in writing. I had to file disputes as they said i owed over 4k dollars. They changed it to XXXX and then every week in increases by 8 to 15 more dollars. It's always changing and it's the only negative on my history. I don't owe this at all. It's not even my debt. 
In the last week 7 calls from them demanding payment and then today one of their attorneys sent me a friend request on XXXX. A social media platform. This is beyond harsssing and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I went in Chase Bank last year in attempt to open an account and they informed me that several accounts were opened in my name. Then, I contacted Chase Bank about the multiple checking and savings account that were opened fraudulently using my information. I reached out to Chase over a year ago on XX/XX/2019 to get this resolved, and was told to complete the " Identity Theft Declaration of Claimant '' Packet and turn it in within 15 days. I immediately completed the packet and listed all 6 fraudulent accounts that were opened using my information. I mailed the packet back to the address I was directed to send it to : ( Mail to : JPMorgan Chase Bank, N.A Customer Claims Department Attn : XXXX XXXX XXXX XXXX XXXX, OH XXXX Fax : XXXX ) It has been 12 months and I haven't received any information back on that. I need those accounts cleared from my name because I NEVER opened a Chase account, and its messing up my credibility. I can't even open an account with Chase either. All the closed Chase accounts attached to my SSN/NAME weren't opened by me. Please fix this immediately! Ive done my part, i would like for you all to do your part and clear those records from my name! I would like to be able to open up an account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: World Acceptance Corporation
State: GA

Complaint narrative:
original creditor was XXXX XXXX and that is what is on my XXXX credit report but on my XXXX world finance co. purchased the loan. and reported the i had been making payments since XXXX it was and has been a charged off account and then they refreshed it by putting that i missed a payment recently on XX/XX/XXXX and on XX/XX/XXXX i have not done anything on this account since XX/XX/XXXX they have illegally refreshed this account I had no idea they had even purchased it. i have contacted XXXX twice on the matter and they are no help at all. on one report it is still XXXX XXXX with a differnt balance on that alone there are major conflicting issues with this .companys should not be allowed to purchase other accounts like this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: MO

Complaint narrative:
My credit report is reporting unknown and unauthorized accounts on my file inwhich I have no knowledge of. Im assuming this is credited to my identity being compromised inwhich made me a victim of identity theft so the following accounts are fraudulent and I'm demanding that this accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX  {$860.00} 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX XXXX {$470.00} 4 ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am asking that Bank OF America clear any banking history using my name! I went in the branch to open an account and they said there were accounts opened in my name previously, so i wasn't able to open an account. I dont owe any debt or anything to BOA, I am a good/responsible customer with good credit, good banking history, and a credit score of 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 2020-02-12 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: MO

Complaint narrative:
My credit report is reporting unknown and unauthorized accounts on my file inwhich I have no knowledge of. Im assuming this is credited to my identity being compromised inwhich made me a victim of identity theft so the following accounts are fraudulent and I'm demanding that this accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX  {$860.00} 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX XXXX {$470.00} 4 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: MO

Complaint narrative:
My credit report is reporting unknown and unauthorized accounts on my file inwhich I have no knowledge of. Im assuming this is credited to my identity being compromised inwhich made me a victim of identity theft so the following accounts are fraudulent and I'm demanding that this accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX {$860.00} 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX XXXX {$470.00} 4 ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
original creditor was XXXX XXXX  and that is what is on my XXXX credit report but on my equifax XXXX XXXX XXXX purchased the loan. and reported the i had been making payments since XXXX it was and has been a charged off account and then they refreshed it by putting that i missed a payment recently on XX/XX/XXXX and on XX/XX/XXXX i have not done anything on this account since XX/XX/XXXX they have illegally refreshed this account I had no idea they had even purchased it. i have contacted equifax twice on the matter and they are no help at all. on one report it is still XXXX XXXX with a differnt balance on that alone there are major conflicting issues with this .companys should not be allowed to purchase other accounts like this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was making regular payments to XXXX XXXX XXXX for a debt collection on a Capital One Credit Card. XXXX lost the account and Capital One hired a new collection agency, XXXX XXXX XXXX   per their letter dated XX/XX/XXXX. The balance due according to XXXX was short by {$200.00} for the last two payments made to XXXX XXXX XXXX for the Capital One account on check # XXXX dated XX/XX/XXXX and check # XXXX dated XX/XX/XXXX. Both checks cleared my account, which should have brought my balance down to {$5400.00}. I wrote a letter to XXXX on XX/XX/XXXX, informing them of this error. They never responded. I wrote a second letter XX/XX/XXXX and copied Capital One. I included copies of my canceled checks XXXX and XXXX. On XX/XX/XXXX Capital One sent a letter requesting that I call them. On XX/XX/XXXX they only acknowledged payment up to XX/XX/XXXX, but make no mention of the two subsequent payments on check # XXXX and # XXXX paid to XXXX XXXX XXXX. On XX/XX/XXXX, Capital One sent a letter requesting that I contact them via phone. They called me on XX/XX/XXXX per the attached copy of my cell phone detail for the incoming call. During the course of the conversation, Capital One acknowledged that XXXX had received and cashed checks # XXXX and # XXXX in XXXX and XXXX respectively. They told me that XXXX had refunded me but I informed them that I HAD NEVER RECEIVED A REFUND FROM XXXX. Capital One then proceeded to tell me that I had to " DISPROVE '' that I received a refund by submitting a copy of my bank statements for the two months in questions. HIPAA laws not withstanding, I refused and asked that Capital One or XXXX provide proof of refund via copies of THEIR canceled checks just like I did to prove payment ( which of course they can't provide because I NEVER received a refund. ) Capital One recorded this conversation for " quality control purposes '' and if two party consent is needed, I hereby give my consent via this claim for CFBP to retrieve an audio copy of the conversation. I can also provided a notarized affidavit attesting to what was said during this call bertween Capital One and me. Capital One followed up with a letter the same day, XX/XX/XXXX, reiterating that my balance was for {$200.00} more than my payments reflect. I don't know if there is a sweetheart deal or going away present that Capital One gave to XXXX via my XXXX and XX/XX/XXXX payments. All I know is that XXXX needs to forward the two payments to Capital One or issue a refund for {$200.00} to me. I have set aside {$800.00} for payments from XX/XX/XXXX to XX/XX/XXXX and am willing to escrow this amount with a government agency until the issue of the theft of my payments is resolved. I have attached all pertinent documents by date order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: TX

Complaint narrative:
I already tried contacting Square Cash To request a Cash Card and they refused to Send me a Replacement. 
I waited a week for a response, and they ended up telling me theyre unable to verify my Identity while they actually verifed my identity. 
I am a victim of Identity theft but When I ask for a replacement card They refused to even provide that to me in my new york address. 

Over and over I get a run around and now they refuse to even respond to my email. 
I am ready to file a Lawsuit due to Non compliant Issuance of a Cash Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: CITIBANK, N.A.
State: KS

Complaint narrative:
This is regarding billing dispute number XXXX. 

On XX/XX/2019, our XXXX XXXX tech support package renewed for {$100.00}. 
Previously, we had been to Best Buy and were told all protection plans were converted to the Total Protection Plan. This covers all electronics in the house and a {$49.00} service fee for in-home visits. 

On XXXX, we called to make a service appointment for our XXXX  XXXX. We were told at this point the package had not converted and we owed another {$210.00}. They stated they would refund the {$100.00} to the account. As soon as the purchase came through the account, I disputed the prior charge on XXXX. 

I filed a prior XXXX  against Best Buy complaining about the price difference being snuck up on us at the last minute and asked Best Buy to stand behind what was told at the store level, giving a refund difference for this year. XXXX with the XXXX  's office refused. You can reference the XXXX  if you go to Best Buy 's headquarters. 

It appears Best Buy 's credit came through on the same day of my dispute, presumably after I filed it. Best Buy ran the refunds as two separate amounts : {$32.00} and {$76.00}. Best Buy finally stated it was refunded this way due to breaking it into XXXX and Tech support renewal. I confirmed this when looking at my Citibank letter as well. 

On XXXX, Best Buy issued a response to Citibank that stated they had no record of my cancellation even though the account was clearly refunded on XXXX. Citibank probably caught the way it was broken up by the breakdown amounts. Then, there is a note further down that doesnt display a date next to it where Best Buy acknowledges the refund. 

On XXXX, Citibank issued a letter to me stating the dispute was resolved. 

I have filed another XXXX  report against Best Buy for numerous reasons, including recent problems with their XXXX XXXX as well as listing that I never asked approached them for a refund. Clearly, they should have investigated this on their end properly. 

My concern is if Citibank has flagged this dispute as mispresented. In the dispute summary online, it still reflects the dispute as open and pending investigation. I e-mailed this problem to billing disputes on XXXX ( only that it still shows open ). I also attached a copy of the dispute summary. I still have not heard back on the problem.

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 2020-02-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I mailed a dispute letter to the Equifax credit reporting agency on XX/XX/XXXX asking them to verify the 17 negative accounts that appear on my credit report. I included another notarized page with clear photocopies of my drivers license and social security card. As of XX/XX/XXXX I have received nothing from Equifax in response to my letter. I should also note that I have received reponses from the other two major credit reporting agencies within the 30 day time limit. 

I am including with this complaint a copy of the dispute letter that I sent to Equifax and a copy of the Ceritified Mail Receipt. Equifax received the letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I spoke to XXXX requesting XXXX  XXXX Data  used to pay my creditcard be removed. I would Not be paying on Ideninity Theft Unresolved Fraud Anymore. I have submitted Over {$3.00}, XXXX FRAUD reports to USAA. USAA HAS NEVER CREDITED THE FRAUD so I stopped paying on it. Frauds Not Resolved are : XX/XX/XXXX- XX/XX/XXXX XXXX charges total {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All XX/XX/XXXX XXXX charges total {$470.00}. USAA used my XXXX  XXXX Data  prior to removing it making a {$3.00}, XXXX PAYMENT I DID NOT AUTHORIZE. This caused {$2300.00} OVERDRAFTS of social security funds to live off of for the next 3 months USAA STOLE MONEY NOT OWED ( fraud ) leaving me liable for fraud and no money to pay rent or buy food.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
My PMI was cancelled on XX/XX/XXXX as per a letter received from Newrez on XX/XX/XXXX. We are in XX/XX/XXXX and Newrez is STILL charging me the PMI premium, only this time it has INCREASED to {$190.00} from {$120.00}. 
I have asked multiple times to update the payment amount, but to no avail. 

I have emailed the company on : XX/XX/XXXX - No response XX/XX/XXXX - No response XX/XX/XXXX - No response XX/XX/XXXX - No response. 

I have called the company on : XX/XX/XXXX - Rep said it had not been 2-3 weeks for the payment to be updated. To me, XX/XX/XXXX to XX/XX/XXXX, that's OVER 3 weeks. 
XX/XX/XXXX - Rep said an escrow analysis was ongoing and would be done by XX/XX/XXXX. She also said it was ok to pay as late as XX/XX/XXXX. 
XX/XX/XXXX - Talked and explained problem to one rep. Was transferred and had to explain same problem to another rep. Said PMI is paid in arrears. Rep apologized for confusion, saying I have a grace period until the XX/XX/XXXX, not the XX/XX/XXXX as stated by other rep on XX/XX/XXXX. On hold while rep is seeking advice with supervisor. Supervisor never manifested himself/herself. Hung up with promise from rep she would follow-up. 

Today is XX/XX/XXXX. My payment is due and I STILL do not have the amount without the PMI premium which was removed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12 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: MO

Complaint narrative:
This was investigated for 1 day before shooting me down. My only recourse at this point is to file a law suit against all the proper channels inwhich is involved and has caused me pain and suffering due to a lack of investigation and failing to apply the law as it should to this particular situation. And, again my problem is that an account ( XXXX XXXX ) was removed from my report files XXXX of XXXX, but sometime without warning it reappeared XX/XX/XXXX. As a general rule whenever an account is reinserted on ones credit file, the consumer should be notified within 5 days, and this did not happen, instead it was reinserted, why?, especially when there's already a police report attached to my files stated the about account is fraudulent and this XXXX XXXX account shall be permanently and immediately blocked and removed from my credit file.

Company response to consumer: Closed with explanation