vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I checked my credit report in late XX/XX/XXXX and saw this account on my credit. I did not recognize the debt so I disputed the debt. On XX/XX/XXXX, I received a first notice from Nation Credit Adjusters dated XX/XX/XXXX. I messaged XXXX XXXX on XXXX to try and get a contact who could help me resolve the account. I explained what happened and asked for guidance. The debt was so old, I had no way to prove if I did or didn't owe the debt so I went ahead and paid the debt online. I called in on XX/XX/XXXX and spoke with a representative to make sure the payment had been received and asked when it would be removed from my credit report. She stated that it would not be removed but would be updated to XXXX balance and marked paid in full. I told her that I never received a first notice and on a recorded line she stated that they sent a first notice on XX/XX/XXXX and it was marked as mail return. They got my updated address from when I disputed the account in XXXX and then resent the first notice. I never received a phone call or a first notice so I had no opportunity to dispute the debt or pay it before they credit reported the account. I have disputed twice and the company keeps replying that the info is correct. They updated the payment that I made and left a balance and shows unpaid collection. I have emailed the CEO and submitted a message via the company website. This is not fair debt practice tactics and I want this removed from my credit report. I will also be filing a complaint with the Kansas Attorney General 's office and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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 — Investigation took more than 30 days
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
On XX/XX/2021 I requested that both the credit reporting company and XXXX investigate the account that is listed in the letter and have not heard anything back from them in about 120 days

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
on XX/XX/XXXX I checked my Bank of America checking acct to pay my bills, rent, etc with the stimulus and economic hardship money I received along with unemployment only to notice {$3400.00} was debited from my acct on XX/XX/XXXX. I made appointment with bank to discuss issue. Spoke with XXXX who got bank mgr involved along with XXXX XXXX on speaker phone. There was a balance left on charge-off fraudulent auto loan back in XXXX with Bank of America and they took the money leaving me with a {$100.00} balance in the middle of a pandemic that me and my family is struggling from. This fraudulent charge was removed from my credit and from my bank statements on my acct and almost a year later later this occurs which I thought issue was resolved. Also I was informed this is illegal to do because of pandemic order signed by the President and further more Bank of America is a Federal Bank which makes it illegal to do.

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 2021-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mortgage Research Center, LLC
State: CA

Complaint narrative:
Inquired to this organization about purchasing a house. They asked for my social security number to obtain a certificate of eligibility. But they pulled my credit report instead without my knowledge. I am extremely upset. This happened at XXXX PST. I spoke with the manager and explain to him what happened. He apologized. I no longer want to deal with this company.

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 2021-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX balance is incorrect this account is in litigation. Please remove and delete from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX this balance is incorrect and this account is in ligation as well. Please remove and delete this immediately.

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 2021-03-12 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX balance is incorrect this account is in litigation. Please remove and delete from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX this balance is incorrect and this account is in ligation as well. Please remove and delete this immediately.

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 2021-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I Filed numerous FTC to try to resolve the issues related to unconfirmed accounts on 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
Consumer complaint received 2021-03-12 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I Filed numerous FTC to try to resolve the issues related to unconfirmed accounts on 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
Consumer complaint received 2021-03-12 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I received a letter of a alleged collection of a debt I did not own nor authorize, nor sign any documentation hereto ... Convergent Outsourcing INc, contacted me in representation of XXXX XXXX another 3rd party collection company, that purchased from XXXX XXXX XXXX XXXX ... in representation of XXXX that discharged and charge off of a account I did not authorize, nor owe ... complete fraud on their parts.

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 2021-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
KeyBank misapplied the payoff of my HELOC and continues to try to collect on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX, I called Bank of America XXXX XXXX XXXX due to notice of fraudulent activity multiple charges on my account inXX/XX/XXXX. While speaking with the representative, she informed me that there were multiple other charges from XXXX fromXX/XX/XXXXXX/XX/XXXX that totaled to about {$1300.00}. 

On XXXX, I filed a case of fraud of all the multiple charges on my account from XXXX by bank of america representative. 

On XXXX Bank of America denied my claim and report of fraud, presenting no evidence or information on how or why the decision was made. A letter was mailed to my home address stating the report was resolved. 

On XXXXCalled in complaint again for it to be reopened, it was reopened by Bank of America on XXXX. The decision to deny my claim again was made by Bank of America on XXXX. 

On XXXX, I spoke with Representative XXXX ( XXXX ) XXXX and requested follow up information on my complaint. I was told that the complaint was declined again. I requested to speak with a supervisor. I spoke with Supervisor, XXXX XXXX ( who refused to give me her ID number ) she also refused to provide me with details on my case such as what evidence was used to make a determination, who handled the case. 

I was also informed that there was no evidence or information on file for the decision made on the first and second dispute. When asked who makes decisions on these claims and whether I can speak with a manager, XXXX XXXX reports the research team makes these decisions but does not meet or speak with cardholders. I requested the name of the head of the research team and was told by XXXX XXXX that she can not provide this information. 

Additionally, XXXX XXXX XXXX refused to give her ID number, claiming she is the only XXXX in her department on XXXX at XXXX XXXX I am a XXXX single mother, low-income who is a victim of fraud. I have been denied my rights and a proper case and am a victim of identity theft. Bank of America has failed to protect me because of the type of account being child support. They have not taken me serious or handled my complaint with integrity or honesty. I am appalled that someone has stole over XXXX dollars from me during a pandemic, this is child support money that I use to support and take care of my daughter. 

I am demanding Bank of America to immediately refund every fraud charge and to do a proper and full investigation of this case including : Collaborating with apple.com on this complaint and getting specific details on who used my card, their locations and items they purchased. I want my child money refunded immediately. This is degradable and illegal.

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 2021-03-12 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: Atlantic Recovery Solutions LLC
State: TX

Complaint narrative:
Atlantic Recovery has contacted me on my cell phone, which I did not give approval or consent for them to reach me on my cell phone. I've told them the individual they are calling for is not tied my phone and to stop calling me and they continue to call from various call numbers back to back. 

Most recently ARS sent me a text message again asking me to contact them to resolve a debt that I don't own and is not even in name. 

Received Call on XX/XX/XXXX @ XXXX XXXX  from XXXX Received Call on XX/XX/XXXX @ XXXX XXXX from XXXX Received Call on XX/XX/XXXX @ XXXX XXXX from XXXX Received Text on XX/XX/XXXX @ XXXX XXXX  asking me to call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: NY

Complaint narrative:
I applied for a Citi Diamond Preferred Card in order to use a transfer balance offer they had XX/XX/2021 it was approved and I applied to do a balance transfer online. It was my intent to transfer money to my XXXX XXXX XXXX XXXX Mastercard in the amount of XXXX. 

XX/XX/2021 I received an e mail stating my balance was available online, and it looked like the balance transfer went through. I checked my XXXXr account and I did not receive the funds in any of my accounts, and called them to confirm they had not rejected any payments, and they had not. 

I have called Citi Bank to find out where the funds went and they stated to a company by the name of " XXXX XXXX XXXX ''. I do not have an account there and don't know how my funds were sent there. Citi was made aware of this and started an investigation which produced no results, and basically told me to call XXXX XXXX myself to get my funds. I refused to do so because I don't have an account with them and should not have to fix their mistake. On XX/XX/21 I was then told by XXXX agent ID XXXX that Citi provided my bank account information to XXXX  XXXX along with a letter stating the funds were sent in error. I did not provide authorization for my personal bank information to be sent to another company who I don't do business with. They said the plan was for XXXX XXXXXXXX to transfer the funds to me this way. I stated I no longer wanted to balance transfer funds and wanted my account closed because this is fraudulent. I was then told the company " XXXX  XXXX '' was affiliated with XXXX XXXX XXXX XXXX in some way and to call XXXX XXXX XXXX XXXX to see what they could do. When I did this on XX/XX/21 they stated the money was not transferred to any of my accounts and suggested I call Citi back to resolve the issue with them. I have no idea what is going on but it feels like someone stole my money and is trying to charge me for it or blame me for their mistake. I emailed XXXX XXXX information sent to me about the transfer in hope they could help resolve this, but I have not heard back yet. I have been on hold for hours trying to resolve this and it feels like it is going nowhere. I need help!

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 2021-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2021 My husband and I visited the XXXX XXXX Chase Branch ( XXXX XXXX XXXX XXXX XXXX, AZ ) and after waiting 50 minutes in the lobby, we were greeted by XXXX XXXX XXXX, a relationship banker. We told XXXX we needed to open a safety deposit box. We let him know, we had valuables in hand that needed to go in there, as we were only in Arizona for the weekend to close on our new home. We let XXXX know we were moving from XXXX to the XXXX XXXX area, and were selling our XXXX home. As soon as XXXX learned that significant funds ( roughly XXXX XXXX ) would be coming to Chase, he suggested we upgrade our accounts, open a savings account. We politely declined, as we were only visiting the branch with one motive - to open a safebox to store our valuables inside. XXXX kept pushing and insisting that we upgrade our accounts based on the balances that we would be keeping with the bank. We started to get upset, as it was nearing the branch closing times, and we still did not have a safebox open. XXXX treated us with disrespect, and almost as if punished us, for not wanting to have our accounts upgraded by telling us we no longer had time to open a safe box. If he had stopped pressing the sales pitch, he would of been able to perform the safety deposit box opening in time. He was abusive and deceptive, and was only out for himself. I understand that opening a box leaves him with no commission, but an account upgrade and new money, would leave him with several hundred dollar commission. We had to leave the bank without getting a box opened, which was a waste of our time. XXXX was disrespectful, unprofessional, deceptive, abusive, and irresponsible. XXXX 's behavior is a risk to Chase as it exemplifies poor judgement and may affect the Bank 's overall reputation risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: TX

Complaint narrative:
ON XX/XX/2021, I unfroze 4 bureaus that I have frozen, and applied for a savings account via Vio Bank. My scores are all above XXXX, and all information provided on the application is accurate. 

The website denied the application, without providing any reasons. The website did provide a phone number, which I called, but the agent said they can not provide any information nor the databases they used to deny my application. The agent suggested I tried again on the website. 

So I tried again two more times on XX/XX/2021, and again once on XX/XX/2021. Same result. 

I have decided to take my cash elsewhere ( I am just trying to maximize FDIC coverage by opening more bank accounts ). 

I do, however, demand that this bank inform me, in writing, about the reason ( s ) for denial, as well as the source of any and all information they have used to reach their decision, so I have the opportunity to contact the sources and rectify any errors.

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 2021-03-12 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: FL

Complaint narrative:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE WRONG NAMES AND ADRESSES THAT NEED TO BE CORRECTED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am a long time customer with Freedom Mortgage, for the past 4 years I am trying without any success to refinance the existing mortgage and I am concern of the way the company handles private information like the SSN. 

Every time I receive a notice that I am eligible for streamline refinance or other type of lower rates I contact the XXXX and I proceed with the application ; however each time after 20 or 30 days the applications is closed and the reason is always the same " incomplete application ''. 

The agent who normally takes the application becomes unreachable after they take the application over the phone and after the initial documents are signed, after that step the agents can't longer be reach. 

My concern is what does the company do with all those signed documents and SSNs etc and why is when the rates are the lowest the company always closes the applications. 

When I contact the company no one can explain what happens, they don't take the time to review the files and they don't offer any solution.

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 2021-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
I received several pieces of mail to my house directed to XXXX XXXX. My former married name was XXXX, so I thought that maybe they just got my first name wrong ( my name is XXXX ). 

Upon opening it, I saw a large bill for XXXX XXXX. I spent an entire day calling back and forth to XXXX and to a doctor in TEXAS ( I'm in IOWA ) that this alleged bill was for so I can tell them this has nothing to do with me as I'm in Iowa and haven't been to Texas in 30 years and this is not my name. I also haven't been to the doctor in over a year because I was laid off due to COVID, so this definitely has nothing to do w/ me. 

They said to just ignore it if it isn't for me, so I did. I was sent bills in the mail on these dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( I probably got one in XXXX, but didn't get a date and scan of it ) XX/XX/XXXX Then, collection notices arrived on these dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Now, the collection showed up on MY credit report for this in the amount of {$1500.00} for the following creditor : CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX It says the original credit was XXXX XXXX XXXX. I am not the intended recipient of this debt and did everything in my power to tell them so before it ever went to collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
I received a letter of a alleged collection of a debt I did not own nor authorize, nor sign any documentation hereto ... XXXX XXXX XXXX, contacted me in representation of Velocity Investments another 3rd party collection company, that purchased from XXXX XXXX XXXX XXXX ... in representation of XXXX that discharged and charge off of a account I did not authorize, nor owe ... complete fraud on their parts.

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