vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 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: World Acceptance Corporation
State: GA

Complaint narrative:
There were two accounts that appeared on my XXXX credit report from World Finance Co. with account # XXXX & XXXX that I have no knowledge about. I sent a certified letter to World Finance Co. to  validate the debt in fact belongs to me on XX/XX/2020 and asked them to provide the following documentation : " An explanation of what this alleged account balance is for ; A calculation of this balance, including the complete payment history on this account, so I have proof the amount is correct ; Documentation showing I agreed to pay this debt ; Provide the agreement that grants them the authority to collect on this alleged debt ; and A copy of their State license ; including license number '' and their response on XX/XX/2020 stated they searched their records with my name and address and were unable to identify the account or account holder. 

I mailed a certified letter to XXXX  on XX/XX/2020 & XX/XX/2020 advising the creditor failed to validate the debt and under the FAIR DEBT COLLECTION PROTECTION ACT this debt should be removed from my report or provide validation documents confirming this debt belongs to me. I also received an updated dispute response from XXXX dated XX/XX/2020 stating they verified the debt belongs to me ; but no documentation provided again to show proof the debt in fact belongs to me as stated in paragraph above. If the companies can not provide proof of validation of these two debts then the accounts need to be removed from my XXXX  credit file confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
on the XX/XX/XXXX I was double-billed by XXXX XXXX and the Bank of America paid 2 identical payments of XXXX. The bank refuses to return the money. I called the branch and was told they couldn't do anything, I called customer service, what a joke, they said go to the branch. All of this XXXX XXXX nonsense over an obvious double bill. Who pays 2 identical payments to a vendor on the same day? No one. Their online dispute form isn't available and may or may not be in 24 hours. This bank is a dreadful grift on the American people and needs to be broken up in a thousand pieces. I want to close the account but you can see the difficulty when they're talking 45 days to resolve a minor dispute. They are really mind boggling incompetent. They might be big but they're not very good, pathetic in fact. Can't even do sums. 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 monetary relief
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Benuck & Rainey, Inc.
State: NJ

Complaint narrative:
Getting calls from Benuck & Rainey LLC, debt collectors. They call daily, sometimes up to 7 calls a day, some within minutes of each other. When I answer they ask to verify DOD and SS # before they can even tell me what the call is about. When I ask to tell me what the call is about before verifying my information, they get angry and aggressive before they proceed to hang up. I don't know what this calls could be about and have not received any kind of correspondence from this company either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACI Worldwide, Corp.
State: FL

Complaint narrative:
ACI, XXXX XXXX XXXX, has called my cell phone repeatedly claiming to be attorneys, stating I owe paypal some exorbitant amount of money. I have a XXXX account that I use to pay ONE bill, and the balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
XX/XX/2020 I received a letter in the mail ref XXXX and so I called them on XX/XX/2020 at XXXX XXXX. I spoke with XXXX that was very rude after I told her I wanted an itemized statement on this account because we had paid a lot on this bill already and thought it was paid off. She then said no there is a balance and if you do not pay it today she would put it on my credit to go against me. This bill is for a XXXX year old child. I told her that I wanted it sent to the original creditor and she said she would not and there was nothing the FDCPA could do about it and hung up. I then called and spoke with her supposed manager to  report her behavior and against the law debt collecting tactics and her name was XXXX which she told me about 3 other accounts that were there that have been paid off with taxes. She still refused to get an itemized statement and told me I would have to contact the other places at which she denied any phone number for.

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 2020-02-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/XXXX I co-leased a XXXX XXXX XXXX at XXXX XXXX, today XXXX XXXX in XXXX XXXX, CA, without any problem or late payment for more than two years. Unfortunately, on XX/XX/XXXX this car had an accident and was totaled. The insurance made all the arraignments and paid Kia Finance a total of {$15000.00} on XX/XX/XXXX supposedly for the full payment of the car and covering all the expenses owed. Until XX/XX/XXXX we received an email from my credit card company saying that there was a change on our credit report and to our surprise there was still a balance on the Kia Finance account of {$280.00} dlls money owed for a car that was no longer in his possession since XX/XX/XXXX and that XXXX XXXX assured that the account was cleared. XXXX XXXX paid what was requested from KIA FINANCE but it seems that a balance was left unpaid and we never receive any letter requested by mail, email or call. To end this situation, we paid the balance of {$280.00} on XX/XX/XXXX but the damage to his credit was already done. 
We made calls and sent letters to Kia Finance clear this out, that I was never late in any payment but the company denied to fix it.

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 2020-02-25 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: MD

Complaint narrative:
I purchased an item on XXXX  with my Chase credit card on XX/XX/XXXX. The item was marked as " hand delivered to a resident '' when no one was home. I live in an apartment building and checked everywhere and with all my neighbors but no one had seen my package. I notified XXXX  and they sent a free replacement on XXXX XXXX which I did receive. The item was defective and not to my liking so I returned the item at an XXXX  location near home on XX/XX/XXXX. Nearly a month later the charge was still showing on my account so I disputed the charge. A day or two later on XX/XX/XXXX, I received an email from XXXX  stating that they had received my item and the return was complete.On XX/XX/XXXX the refund was posted on my Chase account. On XX/XX/XXXX I received another email from XXXX  notifying me they had received the dispute from Chase. A few days later I called Chase to cancel the dispute and I thought that was the end of it. Apparently, the claim was never closed, and XXXX contested my dispute with Chase with proof that I had been sent a replacement. The dispute was reversed and on XX/XX/XXXX I was rebilled for the item that had been returned on XX/XX/XXXX. I have called XXXX on several occasions and they tell me that all they see on their end is the original charge and the refund, no rebill. I have also called Chase 's claims department on several occasions and have been given several different stories : - " The rebill just posted yesterday, give XXXX a few weeks and they should see it in their system '' - " The dispute cancelled out the refund, you need to call XXXX to refund you again '' - " The rebill amount is sitting in XXXX 's bank ( which XXXX claims is Chase ) because of the dispute and they just need to contact their bank to release the funds '' - " XXXX never refunded you, the refund you see is because of the dispute '' Chase refuses to reopen the claim because XXXX has proven that a replacement was sent ( not the issue ). 

To date, no one can figure out where the money is. I don't have it, Chase doesn't have it, XXXX doesn't have it.They both keep pointing fingers at each other and I'm left with a balance I shouldn't have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I applied for a credit card at the end of XX/XX/XXXX and was denied stating that I did not have a credit report nor a credit score. In late XX/XX/XXXX I attempted to get my free credit reports using the XXXX web site. I was not able to get my credit report online at the time. I received a letter from Equifax dated XX/XX/XXXX, that was mailed to my correct current address of XXXX XXXX XXXX XXXX , XXXX OH XXXX. The letter stated that I needed to provide documents about my identity showing my " current '' mailing address of XXXX XXXX XXXX, XXXX  OH XXXX. I have not had that address for over five years. That same letter later states my correct current mailing address when it requested documents. 

About XX/XX/XXXX I sent in a copy of their letter requesting the documents. I included a copy of my driver 's license, a copy of my Social Security card, a recent utility bill, and a copy of my birth certificate. 

As of XX/XX/XXXX they have failed to respond to the request for a copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
We received a mailer from XXXX XXXX XXXX regarding a streamline FHA refinance. After discussing with the mortgage lender, we began the process with intentions to close on the new mortgage in XX/XX/XXXX. We were told by the mortgage lender throughout the month to not make our XX/XX/XXXX payment as that would affect the payoff of our existing mortgage. As the end of the month got closer, we again asked if we should go ahead and make our XX/XX/XXXX payment and were once again told no that it would mess up the closing and payoff of our existing mortgage. We were able to close on XX/XX/XXXX with the payoff scheduled to be wired on XX/XX/XXXX. 

We subscribe to credit monitoring service and noticed early XX/XX/XXXX that the loan had not been paid off, was showing 30 days past due and our credit score had dropped significantly. We contacted Ditech ( our existing mortgage holder ) and were told that the payoff was posted on XX/XX/XXXX. We explained that the wire was sent on XX/XX/XXXX and the loan should have been paid off. We were informed that the wire department was gone for the day and that we would have to call back. We tried calling back several times, each time having to speak to a different person and explain our situation over again. We were put on hold and spent as much as an hour or more on the phone with still no resolution. 

During this time we also tried to contact our mortgage lender repeatedly. We left messages, sent emails, and got no response. Once we received a letter regarding our first payment, we were able to contact someone at XXXX as it included a specific person and their contact information. We found out the lender that we worked with on the refinance was fired and that was why were not getting responses. I explained our situation and they said they would get right on it and work with the title/closing company ( Equity Settlement Services ) to get resolution. I have since called 2-3 times a week to check on the status, but no progress has been made. This has been going on since mid-XX/XX/XXXX. 

We have spent countless hours calling and trying to resolve this issue with Ditech and XXXX. When I have asked for documentation of the wire that was sent for the payoff, I was told that they may not be able to give me that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have previously filed a complaint against this company Complaint Number XXXX. On dated XX/XX/XXXX statement because I contacted your agency, XXXX posted my accounted with $ XXXX misposted payment and {$100.00} Encode Error. 
On dated XX/XX/XXXX statement, there are two transactions dated XX/XX/XXXX Encode Error Reversal - {$100.00} and {$1000.00}. 

This transaction took away the " misposted payment '' that was given to me on XX/XX/XXXX statement. It also caused a my account NOT to be paid in full as I always do and have done for all the years I have own the card so interest charge was applied of {$51.00} I immediately called XXXX and spoke with a Manager named XXXX and he insisted at first that it was because I did not pay {$1000.00} back in XXXX. According to the notes posted on the account, the items submitted from myself were not clearly visible. XXXX opened a case number XXXX. He then read more into the notes and said that the settlement team made the decision to place the Encode Error Reversal on the account and take away the money that was rightfully mine that I deposited to XXXX in XX/XX/XXXX ( 3 months ago ). 

Again I am not sure how this could be as I provide the XXXX receipt that clearly shows the numeric numbers as well as the XXXX phone number and the XXXX XXXX numbers that one can call and listen to the automated answer as to the value of each money order. The person on the phone said he had to open another case and needed 30+ days to review the material. I told him to pick up the phone and call XXXX and put in the XXXX XXXX numbers and you will hear the values and that will take less than 10 minutes. I am tired of calling people and being on the phone for hours at a time trying to get creditted MY OWN MONEY! IT IS WRONG!

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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION
State: MD

Complaint narrative:
The company that is the problem is VitalChek. I'm trying to get the birth certificates for my sons. I ordered on XX/XX/XXXX - they were very quick to take the money. 

Company does not respond in person to telephone inquires but tells you " due to high call volume to callback later. '' The company has only canned respones to issues that rather than specific statements of what needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2017 I filed a Chapter XXXX bankruptcy petition. The bankruptcy plan for 100 % repayment of debts was confirmed in XX/XX/2017. In my petition, I included two Bank of America unsecured credit card debts. At the time of filing, both debts were sold to a collection agency, XXXX XXXX XXXX , XXXX. Bank of America filed a claim for payment for both unsecured debts, XX/XX/2017. Since my Chapter XXXX plan was confirmed, I have never missed a single payment to the Standing Bankruptcy Trustee. I pay my 100 % repayment Chapter XXXX plan, in full, each month, and the Trustee distributes funds to Bank of America for repayment of these debts. Each month, since the confirmation of my Bankruptcy plan, Bank of America continues to report one of the debts as " Charged Off, '' with no reflection of the account being involved in my Chapter XXXX repayment plan. They never report they are receiving regular payments from the Standing Trustee either. If a person were to review my credit report each month, they would see the balance is decreasing routinely. However, anyone else viewing my creditworthiness would think I still have an outstanding, unpaid, charged off debt owed to Bank of America. This is inaccurate and I have been unsuccessful my countless disputes, with the credit bureaus, to have Bank of America report this information accurately. Oddly, the other Bank of America claim is reported correctly each month as being included in my Chapter XXXX, not as a " charge off. '' I don't know where to turn at this point. furnished all evidentiary documentation, for your review, to better understand my disheartening situation. Page 5 of my XXXX  report shows the Bank of America charge off, and the other documents relate to my Chapter XXXX petition. This misinformation is hurting my creditworthiness more than my Chapter XXXX record.

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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Put a credit freeze on my account after the big data breach. Experian took my information and gave me a 6 digit password to unlock and lock my account for security. The feature seemed to be an awesome way to protect my credit. Now they refuse to unlock my freeze when I enter my information and 6 digit pin as required. They are asking me to submit all types of copies of my personal information and refuse to unlock my credit score as required by agreement. No other agency does this to me of the big 3 but them. Online, automated, or on phone, they refuse to unlock my account as required by our agreement. In no way did I put a freeze on my information to exclude my ability to share it as I deem fit, or requiring me for the exhaustive documentation they now say they require. This practice is a XXXX  and unfair way to punish consumers that put a freeze on credit through Experian.

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 2020-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I made two large payments to XXXX XXXX XXXX, a lawfirm handling the collection for Sears / Citibank credit services to settle the balance of a collection on my credit report. Since then I have not been able to receive a {$0.00} balance letter from Sears/Citibank. I have made multiple calls, the last on XX/XX/XXXX or XX/XX/XXXX, I can not be sure as I have called so many times. This last call I was told that a letter would finally be issued to me in which I received on XX/XX/XXXX that shows a {$0.00} balance. Low and behold, the account number did not match up. I contact Sears/Citibank " escalation team '' yet again. Now they are telling me that the letter I received was for an older account that eventually was transferred to the collection account and that it was sent in error. They are telling me that I will not have a {$0.00} balance letter for 60-90 days because this is how their system is set up. I feel that after speaking to the last representative that sent me this wrong letter, sent the letter to trick me in thinking it was what I was needed and to just get me off of the phone. I've called their attorney 's office and they can not answer as to why Sears/Citibank can not issue a {$0.00} balance letter as they have had the funds from their account ( attorney 's ) since XX/XX/XXXX. There shouldn't be an issue as to whether it will clear or not. In addition, I had a home closing on XX/XX/XXXX that I have now lost because of this account. So I paid $ 3800+ dollars to Sears/Citibank for no reason and I have now also lost {$5000.00} in deposit monies for my home. I ; m pretty sure that this is in violation of the FCRA.

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