vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I request that CHOICE RECOVERY INC # XXXX formally substantiate account data CHOICE RECOVERY INC conferred to the major credit bureaus for me, XXXX XXXX , with respect to the unverified account # XXXX. Since errors may be  contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after my time as a student. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak CHOICE RECOVERY INC desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. 
Thanks sincerely for your assisting me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credit Plus Inc
State: LA

Complaint narrative:
Per the answer in complaint XXXX I never request any one to run my credit for anything. Not XXXX  or credit plus. Once again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Around XX/XX/XXXX, I was issued a secured credit card with Citibank with a deposit given of {$2500.00}. 

On XX/XX/XXXX, Citibank closed my account without any warning whatever. They refused to give me any information why they closed the account. 

After the closing of the account, I made 5 requests that Citibank refund my {$2500.00} security deposit. They told me that it would take time to process the request. I was further told to call back.

Finally, on the 5th phone call, Citibank told me that they issued the check and mailed the refund on XX/XX/XXXX. I waited until XX/XX/XXXX and still no check. I then called to follow up and Citibank, who changed their story and said the check was mailed on XX/XX/XXXX in contradiction to their prior statement. 

I asked to see a copy of the check showing the date and/or a mailing confirmation and Citibank refused. They said they could not send any confirmation of either the check or the date they allegedly mailed the check. 

I spoke with Employee ID XXXX. To date, I have no refund check.

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 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: LA

Complaint narrative:
I have read your response and as I stated in my complaint to Professional Debt Mediation in XXXX, Florida. Their phone number is XXXX. I was told one thing and now being told something completely different. I was told when I paid that {$400.00} I would not owe anything else. This debt is almost 4 years old. I am asking that Professional Debt Mediation remove this debt permanently from all credit reports. I am asking that you cancel the remaining amount of this debt, removing it from the credit reporting agencies, XXXX, XXXX, XXXX. This is the only thing listed as a collection on my reports and it's preventing me from getting me a place to live. I am homeless and no one will lease to me with this on my credit. I paid what I thought would be enough and at the time it was all I had but I paid it in good faith thinking this would be removed from my credit report. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
What I am about to report now is that a person named XXXX XXXX caused a problem by opening a bank account with my social security number. 
The banks with the problems are XXXX XXXX, XXXX XXXX XXXX. 
I heard from my bank XXXX that on XX/XX/XXXX, there was a problem with the checking account, so I could not open the bank account. 
Here is what I got from XXXX XXXX & XXXX XXXX. 
XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, NJ came to the bank with XXXX XXXX 's ID and my social security number, and he took about {$53000.00} from XXXX XXXX and did not pay back last XX/XX/XXXX. 

This is not the first time who XXXX XXXX caused problems with my identity. I have reported to the XXXX Police department on XX/XX/XXXX. The case number is XXXX. 
On XX/XX/XXXX, I also reported to the XXXX XXXX Police department and the reports number is XXXX. 


another problem, XXXX XXXX even does not try to help this case at all. 
I went to XXXX XXXX Branch office and called them many many times but, they do not want to answer anything to me. 

I do not know how to get information. 


XX/XX/XXXX 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 2019-05-03 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: GA

Complaint narrative:
hard inquiries I did not approve this Equifax XXXX XXXX Inquiry from XX/XX/2017 XXXX ss

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I have witnessed the worst experience of my life facing a serious of problems with Transferwise.com. It has not only cost me financial loss but also my reputation. I have been a customer for almost a month. My documents were not verified for 3 weeks despite countless calls and several emails. The worst thing, i couldn't even withdraw my money into my own account. Neither i can send personal transactions of large amounts just because i accidentally applied my business account during signup. There were days when i had to call even thrice. I couldn't make a purchase from my own money and i seem to stuck my funds with transferwise. They have the worst customer service one can ever imagine with csr telling you they can't do anything. It is what it is so don't bother dialing their support phone. Their verification department seems to be in hibernation or somewhere in XXXX where you have to wait for days for your turn. You get 1 email and then another number of days. Finally they disabled my account which i am sooo thankful for because i was just so frustrated of all the wait. After all this : I am still waiting for my funds to clear out. I have sent them 2 emails and 3 calls in last 24 hours. 1 agent seems to say one thing and other agent seems to say another. Also now they are dropping my calls without any explanation. 
Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To : Costumer Financial Protection Bureau XX/XX/2019 URGENT From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX e-mail : XXXX Phone # XXXX This is report of harm, abuse and violation by Chase Credit Card. 

I am victim of Case Credit Card. I have reported over the phone ( conversation recorded ) to Chase Credit Card unidentified charges to my account. Case Credit Card responded that this charges come out from subtracting one credit from another credit and received result of this subtracting Chase Credit Card applied as charges to my account. Case Credit Card begins charge interest from this alleged amount although I have requested correction or dispute. 

Credits to account can be only subtracted from amount to pay. Subtraction one credit from another credit and result applying as charges to account is ridiculous. A asked over the phone ( conversation recorded ) to correct this issue numerous times without success. 

Therefore I described this case by letter and submitted personally to Case Credit Card. Case Credit Card has refused to give me receipt on copy of this letter. I received finally receipt from other branch. 

This case remains not resolved. Therefore I am asking Costumer Financial Protection Bureau for action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A hard inquiry was done by XXXX XXXX through Capital One without my consent. I consented for a hard inquiry by XXXX XXXX through XXXX XXXX and I was approved. Capital One has previously done a soft inquiry on my credit and denied me auto finance, so I knew Capital One was not an option for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
Best Buy would not honor an advertised XXXX promotional discount that was offered on the XXXX dishwasher I purchased. 

I was charged {$140.00} for an installation fee on a dishwasher that was advertised as free installation. On top of being charged for a fee that was advertised as as a free installation, the dishwasher purchased was defective. This resulted in the dishwasher needing to be replaced -- and I was charged a second installation fee! 

Best Buy in no way honored the advertised XXXX promotion, and on top of that charged me to replace a defective dishwasher that they sold me. So I have paid a total of {$300.00} for an installation fee for a dishwasher that was advertised as free. 

My attempts to resolve this with Best Buy support have been unsuccessful. The first time, they closed my dispute with no notice or even input from me. Then when I got them to reopen my support inquiry, they threatened me saying that the only way this issue could be resolved was thru the legal system. They are requesting that I track down and send them store promotional adverts to prove that was the offer. They did not even make an attempt to verify this within their own stores, which can clearly be documented with the time stamps of my purchase and their in-store promotions for the store. 

TImeline : XXXX '' Front Control dishwasher purchased XX/XX/XXXX SKU XXXX with promotion of free installation Item defective Exchanged by BB on XX/XX/XXXX - 2nd XXXX with no hot water hookup. XX/XX/XXXX Management offered to replace with in stock XXXX SKU XXXX. Because the XXXX retail was several XXXX  $ higher, they offered to decrease the cost by {$200.00}. However, they charged {$140.00} to install. 

Dispute initiated by me XX/XX/XXXX - XX/XX/XXXX Citi bank electronic " since you have excepted the {$520.00} transaction, we have closed our investigation. 

XX/XX/XXXX I disputed the replacement for the defective dishwasher and the 2nd {$140.00} charge. Citi bank re-opened. XX/XX/XXXX action requested from Citi bank. I called the number provided and an account specialist, XXXX told me that I received a {$200.00} credit on the XXXX. I explain the credit was because management offered to replace with an in stock dishwasher that was {$200.00} than what I purchased. I was billed a 2nd {$140.00} to have it installed. 

XX/XX/XXXX Citi 's specialist, XXXX informed me that this is a legal claim and I must provide them with documentation to support my claim that the XXXX had a promotion of free install. 
I asked them to review XXXX XXXX promotions at the time of purchase to support my claim. XXXX declined and again, put the burden of proof on me to present them with documentation.

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 2019-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX sold my loan to Specialized Loan Servicing ( SLS ) last year. In the transition my escrow account paid for my hazard insurance. I sent the bill to SLS after they rejected it with the agent. I was told they were looking into it. It's been 2 months and now the coverage cancelled XX/XX/19 per a letter received from XXXX 's XXXX today. This is fraud by trying to force me into taking out their coverage at double the rate since my coverage is now cancelled based on their breach of contract and an additional XXXX fee has been assessed. Total due to XXXX 's is XXXX  and the agent is at XXXX XXXX XXXX XXXX, policy XXXX. SLS should be sanctioned based on this fraudulent activity. Please assess penalties and interest on my behalf.

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 2019-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MN

Complaint narrative:
I have a Parent Plus loan for my child, and she is enrolled full time at school. I got a text notice that the payment is past due on XX/XX/XXXX. I contacted MyFedLoan.org about the incident and they said they were in process of updating the enrollment status and that I wouldn't need to worry about it. 

Finally, when the payment was 29 days past due according to their records ( XX/XX/XXXX ), I made a payment so it wouldn't affect my credit. I contacted them again on XX/XX/XXXX to check on the status of the enrollment update. They said it would take up to 10 business days to update my records ( per an email response I got ). 

I sent my next regularly scheduled payment on XX/XX/XXXX for my legacy  student loan, with additional principle payment included, and received today ( XXXX ) another notice that I am past due. I logged in and found out that they still have not updated the enrollment status. I have a screen shot showing that I am both paid ahead, and delinquent on my account. 

I let them know that I would be contacting the CFPB if they didn't fix it last time, and since it's still not fixed, now I'm ensuring action is taken via this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: GA

Complaint narrative:
Around XX/XX/2019 I've submitted my dispute letters to Equifax, XXXX XXXX, and XXXX, but also the collection agency XXXX XXXX XXXX XXXX.. XX/XX/XXXX I received a letter of correspondence from XXXX stating that my concerns will be reviewed yet the item is still on my Equifax report and my XXXX report . On my XXXX XXXX report the account has been closed and this occurred XX/XX/2019. None of the companies have provided me with any proof that I have a contractual obligation to pay the collection agency, no contract bearing my hand written signature on it at all. This has ruined my ability to get additional things accomplished due to these companies willful non compliance with the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and 7. The credit reporting agencies MUST provide me the method of verification information within 15 days of my request, yet this hasn't been done either. Enclosed with my complaint will be all the documentation that I've sent and received so far. Also I'm enclosing a screenshot of my XXXX XXXX XXXX XXXX credit update as proof that the account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I currently owe $ XXXX in student loans to Navient. My regular monthly payments are auto drafted monthly, and I am a month ahead in my payments. 

My company has started to make monthly payments on my behalf for {$150.00}. 

My due date is the XXXX of the month, and for XXXX, the payment was made on XXXX. 

As of XXXX, my next payment due is not until XXXX, but a payment will be processed around XXXX. 

My employer sent the first additional payment of {$150.00} to Navient and it wwas posted to my account on XXXX. The entire amount was applied to interest. I want the amount applied to the principal balance on my smaller loan. 

I called Navient on XXXX and spent XXXX minutes on the phone arguing about daily accrued interest. 

Navient told me that the only way I could make a true principal payment would be to make the additional payment on the same day as my monthly payment so there would not be any daily accrued interest due at the time of the payment. 

So now I'm stuck with the entire additional payment being applied to interest and nothing going to principal. I'll probably still owe on this loan when I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: PA

Complaint narrative:
I was in the hospital on XX/XX/XXXX to XX/XX/XXXX. I didn't have insurance at the time and was unable to pay the large balance. The bill went to a collection agency called XXXX XXXX XXXX. This company is adding interest to the medical bill. The original bill does not have interest applied. I did some research and I've read that if the original bill does not have interest applied, a debt collector can't add interest. I explained this to the company. They are adamant on adding interest to get it paid. I told them recently that what they're doing is illegal and will refuse to pay interest on a medical bill. I'm paying the bill, just not the interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ACCOUNT THAT APPEARED ON MY CREDIT WHICH I WAS UNAWARE OF. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME AND I WOULD LIKE A RE-INVESTIGATION INTO THE ACCOUNT SO IT CAN BE REMOVED OFF MY 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 non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I have gotten behind ( well been behind for some time on my loan ). My mortgage servicer Specialized Loan Servicing sends me a monthly statement indicating my amount/s and what I have paid. On this statement it shows Fees/Charges/Optional Product with a {$0.00} balance but yet the past 2 times I have called them they have advised me verbally that I owe them over {$300.00} in late fees. How can you indicate on my monthly bill that I have no late fees but yet say that I owe you late fees over {$300.00} ( can't remember exact amount ). I feel that they are being untruthful in not disclosing to me that I am being charged a late fee when they send out my monthly statement.

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 2019-05-03 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: FL

Complaint narrative:
I requested an investigation of t the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

There has not been a response to my disputes on XX/XX/3019 nor XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/15 {$490.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX   {$550.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX   {$300.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX   {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX   {$3600.00} XXXX XXXX {$10000.00} XXXX XXXX {$1700.00} XXXX {$260.00}

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