vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: WA

Complaint narrative:
I disputed the collection through XXXX XXXX on my XXXX report. It was for a medical bill, I had no knowledge of this collection as I have paid all my copays and I have insurance. The debt they claimed I owed was {$75.00}. XXXX took it off my credit report after the company did not respond within 30 days of disputing. The company submitted another collection claim on my credit report but lowered the amount by {$3.00} to {$72.00} so it would show up on my report again. By doing so, it is now on my XXXX report for {$72.00} and on my XXXX report twice for {$72.00} and {$75.00}. This company is not following the law and are using fraudulent ways, lowering the amount a few dollar and resubmitting it to my credit report, after it was taken off my report for no response within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On XX/XX/2018 I noticed a negative report on my credit report. Midland Credit Management indicated that I owed them {$620.00}. I contacted them and stated that I never heard of them. I was told the original creditor was XXXX XXXX. I indicated that XXXX XXXX closed and wrote off this. However, I have plan on paying the balance off. I was informed that Midland Credit Management bought this debit from XXXX XXXX and I owed them {$620.00}. 

I disputed this debit with XXXX and XXXX and they found the amounts to inaccurate with Midland Credit Management. 

I was then sent a letter from Midland Credit Management for me to provide them proof of what I owe. Now I am receiving Pre-Legal Notifications in the mail I have reported Midland Credit Management to XXXX and you. I have also wrote them and told them, by Law they are to provide me with written statements of the original purchase, what is was for, how much and when and how they came to this amount of now {$620.00}. 

Companies buying old debit needs to be against the law as they businesses are harassing people and charging hundreds and thousands of dollars of what is actually owed. 

I want this to stop and my credit wiped clear of Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AZ

Complaint narrative:
I used XXXX XXXX for awhile, and it was a bundle for TV and Internet. The TV worked ok, but the internet was a total failure. After multiple service calls, each time, their technicians stated that the company 's cable in the street was old and worn out, unable to provide reliable internet. They also stated that the company is not willing to repair or replace the cables due to the expense. I cancelled both TV and the internet, since it was a bundle deal. They claimed I owed them a cancellation fee for internet they were unable to provide. I disputed the claim in writing, stated all the facts, and they continued to want a fee. 

They used a collection agency, and I disputed the debt with the credit agency, XXXX. XXXX found in my favor and removed the debt from my record. A short time later, the collection popped up again, this time under the name of a different company, AFNI. I disputed it again, and XXXX again, within a few minutes, found in my favor. 

I still get calls from AFNI, under different phone numbers. It seems that whenever XXXX is on the wrong side of a dispute, they just file a new credit collection under another name, trying to harass people into paying what they do not owe. 

XXXX breached the contract by failing to provide the service they promised, yet still think they can harass people to what they do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
Thursday, XX/XX/XXXX Just this past week, Cash Express took money directly from my bank account without my knowledge for a payday loan that I had taken out back in XX/XX/XXXX. This loan was discharged in  my bankruptcy back in XX/XX/XXXX. I was also told that my {$500.00} loan that I took out was Now over {$900.00} since it occurs more interest every single day. I am going to my bank to do a stop payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
On XX/XX/2017 I opened an account with XXXX XXXX.I switched providers thinking everything was good with no money owed, I got a derogatory remark on XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.

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 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Good afternoon, My servicer XXXX, XXXX XXXX XXXX, sent me mailing about my deferment ending. I called in and spoke with a representative in XXXX applying for a new deferment which was supposed to cover me until XX/XX/2019. 
I received negative remarks on my credit, which showed my payment as past due. 
I called into XXXX and they said they have no record of the deferment and they weren't any notes on my account. I found the paper where I documented the name of who I spoke with, the date and time, etc. The new representative explained she was unable to locate any information and would assist me with processing my documents at that time. 
I was given a three month deferment on the phone with the agent, and informed for sixth month deferment they would mail me a form which I would need to complete and mail in. I asked for a forensic review of my case, with all associated calls to be pulled to determine why the original deferment approval wasn't recorded and to update my credit report with the appropriate information. I shouldn't have negative remarks on my credit for XXXX, XXXX, and XXXX. This needs to be corrected 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 2019-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
XXXX transferred my mortgage to PHH. I attempted to set up a web account with PHH several times - each time they stated that our loans weren't transferred in yet I should wait. On the last day that my mortgage was due for XXXX I was forced to make a payment by phone and was charged {$7.00}. I was told that I wouldn't be charged. I spent hours and hours on the phone with them and they will not credit my {$7.00} back. They took my XXXX payment by phone and say that is compensation but it is not compensation - by then I could have made the XXXX payment by phone. 

They are extremely difficult to deal with and do not even speak XXXX well enough to understand what I am saying. They will not credit my {$7.00} back. 

Now they deleted my loan from their system. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JP MORGAN CHASE XX/XX/XXXX-XX/XX/XXXX ACCOUNT WAS CLOSED AND IS BEING REPORTED AS A CLOSED FOR CAUSE-PURGE ACCOUNT WAS REOPENED XX/XX/ ACCOUNT WAS CLOSED IN A POSITIVE ASPECT ACCOUNT WAS CLOSED WITH PAYMENT TO PREVENT DEROGATORY MARKS, YET STILL REFLECTS NEGATIVE REMARKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was working on securing a mortgage loan with Chase Bank online. I had started this process in XXXX in the downtown XXXX XXXX branch as I use to live there. 
I was informed on XXXX of XXXX that the guideline requires that my wife should have a 6 months of continued employment and documented previous experience. 
Since she had just returned to work on XX/XX/XXXX that we had to wait until XX/XX/XXXX to be considered. 
We waited until then. When I made an offer for another house, I started working with a remote office in Ohio which I was directed to by calling there toll free # online. My contact was XXXX XXXX- Lending Adviser NMLS ID XXXX. 
I explained to him the situation and that we had to wait for six months.

He contacted me after the six months wait time was up. He advised me that it is prudent to complete the application process and get approval prior to making another offer. I agreed and stated this process. 
I told him that its hard to find the right property while waiting to be approved. He said I can always make an offer while this process is completed. 
I found property on XX/XX/XXXX when a new listing was posted. 
I went to see the house and made an offer. The offer was accepted and I paid {$4000.00} Deposit Escrow to close in 30 days. 
I sent the purchase agreement to XXXX by e-mail only to receive an automatic reply that he is out of town for a week! fearing that I will be losing more than a week. I called and asked to get help from someone else. I was directed to another loan adviser her name is XXXX XXXX who was very helpful in following up helping upload more of the required documents. She charged me {$500.00} service fee?. 
When XXXX came back to work he called me and asked that I work with him. I uploaded more documents including an explanation of why my wife was out of work for 18 months. She had to immigrate to the US and we got married, had a baby She had to stay home to take care of. 
On XX/XX/XXXX he called and said Chase could not accept my wife 's income in consideration for this loan because she was working overseas prior to working here in the US. 
This was verbal and I asked to talk to someone else. I left messages for his supervisor and so far have not heard or gotten any written notification of rejecting my loan. 
I only have 12 days left Chase never followed up. 
I don ; 't know what to do. 
I will contact other lenders but my time is limited and I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I had a promotional balance to be paid off and I called the company to ask what I needed to pay and the person told me. I paid it and now they are trying to charge me a back interest. The company is Wal-Mart, synchrony bank. I have dates when I called them.they hung the phone up 2 times today XX/XX/XXXX. The first time is when they was suppose to transfer me to a supervisor and the second time when I asked for a supervisor they started saying they couldn't hear me and hung up. But they was hearing me fine until I asked for a supervisor. The promotion was due XX/XX/2019 XXXX dollars and some odd cents and I paid XXXX dollars on XX/XX/2019.they are charging me XXXX in back interest.i spoke with the agent on XX/XX/2019 and they told me what to pay. They are suppose to record these phone calls.

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 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX DOLLARS WAS TAKEN OUT OF MY CITIBANK ACCOUNT USING XXXX. I IMMEDIATELY NOTIFIED CITIBANK AND TOLD THEM NOT ONLY WAS THIS NO ME BUT I DO NOT HAVE AN ACCOUNT WITH XXXX FOR CITIBANK.THE PERSON I TALKED TO SENT A REPORT TO THE FRAUD DEPARTMENT AND PUT THE MKONEY BACK INTO MY ACCOUNT.AND TOLD ME I DID NOT NEED TO CLOSE ACCOUNT EVERYTHING WOULD BE TAKEN CARE OF. 

XXXX THE SAME PERSON TOOK OUT XXXX AND ANOTHER XXXX USING XXXX AGAIN. I PUT A HOLD ON THE ACCOUNT AND 2 DAYS LATER WENT TO THE BANK IN PERSON CLOSED THAT ACCOUNT AND OPENED ANOTHER ACCOUNT. THE BANK FILED ANOTHER REPORT WITH THE FRAUD DEPARTMENT, PUT MY MONEY INTO MY NEW ACCOUNT. 

NOW JUST THE OTHER DAY CITIBANK IS CALLING ME SAYING I HAVE A XXXX OVERDRAFT. MY 1ST ACCOUNT WAS NOT CLOSED AFTERALL AND THE SAME PERSON TOOK OUT ANOTHER XXXX THROUGH XXXX. 

ALL THE OTHER WITHDRAWLS WERE NOT PAYED THE XXXX, AND XXXX, WERE NOT PAYED OUT BUT THIS LAST WITHDRAWL WAS PAID. 

NOW I HAVE USED THE MONEY IN MY NEW ACCOUNT GOTTEN RID OF EVERYTHING FROM OLD ACCOUNT AND CITIBANK IS CALLING ME FOR A OVERDRAFT ON THE ACCOUNT I CLOSED. 

ACCORDING TO THEM THAT ACCOUNT WAS NOT CLOSED BECAUSE OF THE INVESTIGATION. I TOLD THEM TO FILE ANOTHER FRAUD. 

CITIBANK CALLS AND I WILL NOT TALK TO THEM. I GET TOO UPSET. I HAVE NEVER HAD THIS KIND OF PROBLEM WITH CITIBANK AND I USED THEM FOR OVER 15 YEARS. EVERYTIME I'VE TALKED TO SOMEONE, ITS LIKE THEY'RE EITHER HARD OF HEARING OR NOT LISTENING TO ME AND I'M TIRED OF THEM. SO I'M FILING WITH YOU THEN I TALK TO MY LAWYER. THEY HAVE TO UNDERSTAND ONE OF YOU.

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 2019-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
A complaint was previously filed by me and the CFPB closed the complaint based upon the response of the business. The business provided false information to the CFPB including : The Company 's description is inaccurate. They are refusing to answer emails and phone calls regarding this matter. They are ignoring the arbitration letters filed sent to them by the XXXX and so their claim that they are bound by the arbitration clause was a knowingly false statement by them. Their actions indicate they are not taking steps in accordance with XXXX procedures and are in significant breach of the contract and causing unnecessary harm and expenses to the consumer. This complaint should be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I applied for a checking account online on XX/XX/XXXX and I received a email asking me to submit a copy of my ID and social security card I had to apply for my social security card so I submitted my ID and my social security card when it arrived I submitted it on XX/XX/XXXX. On XX/XX/XXXX I received a email saying it was approved to call a number or go to a branch to fund my account so I called the number and nobody answered so I left messages with no luck. I went to the nearest branch to me and the teller asked for address verification. I logged in to my XXXX bill account online and downloaded the most recent statement. She said she couldn't accept it because it had a past due balance even though I showed her if was paid off and XXXX balance. She showed to the branch manager she said she had to send it to her district manager and will get back to me that afternoon. I never heard back from them. On XX/XX/XXXX I called and spoke to the branch manager again. She said to take her my cell phone bill So I went back. On XX/XX/XXXX and emailed it to her she said she could not accept it because it was month to month not contract. So i emailed her the new statement of my power bill again and she said she could not accept it because it had a previous balance on it. I explained to her that all the bills have a previous balance on them. She turned me away and she gave me her district managers number I called twice and left voice mails with no luck. I contacted the banker that assisted me with opening my account online and he called the branch manager who told him that I presented different documents with different addresses and could not verify my permanent residence and they were thinking of closing my account and terminating relationships with me. I told him they were lying because I showed them the power bills with the same address and it was proper address verification

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 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Attached to this complaint are 5 hard inquires from XXXX ( 2 ), XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have spoken with all 4 companies and none of them are willing to work with me on reporting these as unauthorized/fraudulent. I would like them removed ASAP. I have worked with both parties and neither the 3 companies or Equifax or XXXX are willing to help me get these removed. They both say back and forth call them and ask and vice versa.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB case XXXX did not process for XXXX and Experian could you please forward the case to them it did not show a case number for these to on the dispute, page timed out over and over

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 2019-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: MD

Complaint narrative:
A complaint was previously filed by me and the CFPB closed the complaint based upon the response of the business. The business provided false information to the CFPB including : The Company 's description is inaccurate. They are refusing to answer emails and phone calls regarding this matter. They are ignoring the arbitration letters filed sent to them by the XXXX and so their claim that they are bound by the arbitration clause was a knowingly false statement by them. Their actions indicate they are not taking steps in accordance with XXXX procedures and are in significant breach of the contract and causing unnecessary harm and expenses to the consumer. This complaint should be reopened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: CA

Complaint narrative:
The issue is My ex wife ( XXXX ) is listed as a joint card holder on this account and we both feel that is an inaccurate description. I am the only person who ever applied for this credit card back in 1993. XXXX might have been added as an additional cardmember sometime over the course of the 26 years I've had the card. In fact years ago I cancelled all cards except mine and specifically requested that I be the lone cardholder with any and all responsibilities toward future charges etc. Since that time XXXX has not access or a card but has continued to be listed with credit companies as a joint cardholder. XXXX called Discover months ago and they specifically told her the only way to remove her from the account was for me to take sole position of all debts and responsibilities in the final divorce decree ( which I did ). 

On XX/XX/XXXX I spoke with XXXX XXXX at Discover 's CEG team ( this is supposedly the highest department that deals with disputes at Discover ). I also spoke on XX/XX/XXXX with XXXX ( who claimed to be the manager of the department ). I was told the exact opposite information, meaning they can not and will not remove XXXX from Joint responsibility because she is a joint cardholder. I have asked numerous times for proof of this information and so far have received nothing. 

My belief is that I am the sole responsible party for this card and request that XXXX be removed and have all credit reporting concerning this account cease in relation to her. 

If not, I am requesting proof in a timely manner that XXXX is in fact responsible for the account. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is in reference to an complaint already filed and closed ( XXXX ). I was not able to submit my feedback online due to issues with your website ( I assume there are notes on this issue attached to my account? ) I would like to submit my feedback including the fact that I feel it is unfair that I was not refunded the {$700.00}, when there are numerous examples of customers erroneously typing the incorrect phone number for cash transfers ( which was NOT the case in my situation ), but were still refunded in full by Chase.

Company response to consumer: Closed with explanation