vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 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: Nelnet, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : NELNET LNS XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on XX/XX/20 at roughly XXXX I receiver a text from chase bank asking if I had authorized a charge for {$760.00} from XXXX. It didn't look right so I decided to XXXX the chase fraud dept number and in between the time I received the text and found their number I got a call from XXXX which is actually the chase fraud number. The man on the phone identifying himself as a fraud dept employee with chase ID number asked me if I had authorized the charge from a XXXX in GA and I said I did not. He proceeded to ask me to verify if the info he had was correct including the account number and my address/info which he already had. He said he was going to send me a pin to make sure the account was mine and to read him back the number to which I did. This was actually how he added the debit card to his XXXXXXXX XXXX XXXX but I didn't see that at first. He verified what he had and then he said to close it out the only thing he needed was the pin number used for the debit card on file so he could process the transaction and close the card down.I gave him this and he said ok in 3-5 business days a new card would arrive.I went to bed at roughly XXXX and woke up to 4 emails from chase saying I withdrew {$500.00} each transaction for a total of {$2000.00} dollars at midnight that night. There was also a charge for {$19.00} at a XXXX that evening after the withdrawls.As of right now chase has deemed the XXXX charge fraud but the atm withdrawls as approved transactions. I cant speak with anyone in the US as all calls are routed to a call center in XXXX where there is little help.As of XX/XX/20 I have submitted screenshots and call logs from my XXXX ( not XXXX as they found ) to chase along with a police report for the fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27 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: NY

Complaint narrative:
The following creditor did not contact me nor did they send me statements on my promotional purchase XXXX via XXXX XXXX. In both XX/XX/XXXX and XX/XX/XXXX they marked my payments as late. XX/XX/XXXX specifically - was the date that no statement or invoice was sent and I was not contacted. I had no way of paying this debt due to a lack of information provided. In XXXX, I contacted them - because I noticed on my credit report that they had filed a Late Notice in XXXX. I paid the debt in FULL and was reassured that they would not mark the account as LATE. Simply Closed. 

How is a consumer supposed to pay a creditor if the creditor does not send statements? 
I never receive email or phone calls despite the fact that it appears they had this information. 

I suspect because this was a promotional period whereby no interest or fees were supposed to be assessed, that they intentionally did not make good faith efforts to contact me. 

I believe that Barclays Bank engages in behavior willingly and knowingly to defraud customers and make them ineligible for the promotions that they sell. 

I will never do business with this bank again and suggest that others do the same. 

Barclays Bank XXXX XXXX  XXXX XXXX, DEXXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: FL

Complaint narrative:
Through XXXX we initially sent a 10 % deposit on XX/XX/2019 for XXXX ( {$51000.00} ) to XXXX XXXX, Transaction No. XXXX. After a few weeks we were notified by XXXX XXXX XXXX ( Owner of the XXXX XXXX ) that the payment had not arrived. In order to secure the charter we sent an additional 10 % deposit to XXXX XXXX XXXX ( XXXX ) on XX/XX/2019 for XXXX ( {$51000.00} ). Both times the funds left our account and were held. After several weeks XXXX did receive both wires but they will not give us a refund for the second deposit. Under our contract, we are only required to pay a 10 % deposit though due to the duplicate payment 20 % has been submitted. We have reached out to XXXX  multiple times to get a refund but we have not been successful. Because it was XXXX 's institution that would not release the payment, we are now holding XXXX responsible for obtaining the funds and refunding us the XXXX. XXXX 's institution held the funds that we had approved to release without giving us a valid reason and we were forced to send a duplicate payment which has cost us XXXX ( {$51000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
SUE FOR A DEBT THAT WAS PAST THE STATUTE OF LIMITATIONS FTC VIOLATIONS The statute of limitations bars creditors from suing for unpaid debts after a certain period of time. If you have old, unpaid debts, you might be safe from a lawsuit to collect the debt. A creditor or debt collector has a limited number of years to sue you for an unpaid debt. 


ITS LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated
State: TX

Complaint narrative:
The statute of limitations bars creditors from suing for unpaid debts after a certain period of time. If you have old, unpaid debts, you might be safe from a lawsuit to collect the debt. A creditor or debt collector has a limited number of years to sue you for an unpaid debt. 


PUT A LIEN ON PROPERTY ON A VERYYYYYYYYYYY OLD DEBTTTTTTTTT!!!!!!!!!!!!!!!!!! 
FTC VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: MD

Complaint narrative:
In XX/XX/2019 my girlfriend and I decided to buy a house our first house after months of searching in different communities we found one that met all our need. We got in touch with developer Lennar and the experience was pleasant from the start until we decided not to go with his bank of choice. At this point, Lennar 's team has been very harassing and lack of coordination in their internal processes. They have tried to speed up the closing of my house because the fiscal year closing is in XXXX and because my lender does not have the documentation yet I am requesting to move the closing date but Lennar does not agree. even though they have failed to send all the documentation on time and my lender works overtime to have my loan approved, it is not going to be possible to close and now Lennar is threatening to put my house on the market again.

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 2020-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a home depot cc on XX/XX/XXXX. It is issued by Citibank. I used the card until XX/XX/XXXX, when citibank issued a fraud alert and blocked the card from all use. I got the card for a home improvement project. Since then I have called 6-7 times in order to resolve this issue, they tell me they are unable to verify the information. I have offered to fax info to verify my identity. So now I do not have access to my account and i am receiving no help from the bank.

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 2020-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Assoc LLC has the same account with different amounts. I have offered to settle with this company for a XXXX XXXX credit card I had some years ago. Now that I made that offer the company has two account ref # XXXX {$610.00} and ref # XXXX {$630.00}. Both of these are the same account yet Portfolio is reporting this as two separate debts to all three credit bureau. They seem to be breaking the law and working against what I am trying to do with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received an email from AMEX Serve saying that my account had been suspended for violating term 15d. I contacted the company and they could not give me any information other than filing an appeal with the back office to which a response would come in within 2 business days. Two days have come and gone and I still dont have a response. Meanwhile my monthly direct deposit of my VA benefits had not been received and they can not tell me if it was rejected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 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: TX

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have paid for a transunion subscription to dispute an account that was paid off. I submitted paperwork via mail and online, since XX/XX/2020. 
I attempted to submit the dispute and upload documentation online through their site and when I go through the entire process once I hit submit it says " your dispute is unable to be processed '' so I called and spoke with transunion on several occasions they stated they didnt know what was going on and that I needed to speak with their technical website department, I did and they were still unable to fix it. Then I was told that I was using the wrong dispute site that they have TWO an older and newer version, one allows for documentation upload the other doesnt, so I used the correct one they gave me a link to, so when I went through the alleged correct site, I still got the same error about not being able to submit my dispute electronically or add documentation. So I mailed it in, it has been over 30 days, closer to 60 and transunion has not removed the XXXXXXXX XXXX XXXXXXXX XXXX account. I have show that it was paid off and closed. I requested it be removed. It still shows it is open and in collections

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 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Card Receivables Fund Incorporated
State: TX

Complaint narrative:
XXXX COUNTY REPORTING A FALSE DEBT COLLECTIONS THAT NEEDS TO BE REMOVED BY THE COURTS Texas ' four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past du FTC VIOLATIONS The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit  Reporting Act. [ 3 ] [ 4 ] COMPANIES INVOLVED : : : : UNIFUND CCR PARTNERS   XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has the same account with different amounts. I have offered to settle with this company for a Capital One credit card I had some years ago. Now that I made that offer the company has two account ref # XXXX {$610.00} and ref # XXXX {$630.00}. Both of these are the same account yet XXXX is reporting this as two separate debts to all three credit bureau. They seem to be breaking the law and working against what I am trying to do with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TX

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX 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 2020-05-27 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: TX

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Webcollex, LLC
State: CA

Complaint narrative:
I informed the company that this isnt my debt and this is negatively impacting my credit. They failed to validate the debt and the credit bureau wont let me dispute it anymore. They failed to show me anything stating that I owed them with my signature. I called the company and asked to come to mutual agreement as it is not mines but I need it off immediately so that me and my children can move. The representative stated they will submit to credit bureau for deletion. Today I found out they just updated it which was not -greed. They could listen to their alleged recording line. They stated they only delete if paid in full which was not disclosed to me until after I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was put into forbearance without me asking for one, agreeing to one or signing anything regarding one. My credit bureau for more my mortgage now states 'affected by natural disaster '. They also removed my auto-pay feature because of this erroneous account status. I have been trying to resolve this for 3 weeks. I made several calls, emailed and faxed documentation that was requested and still nothing. I emailed them on XX/XX/14 and this morning again with the info they requested. Spent another hour on the phone this morning asking for a supervisor that never came. I am supposed to re-fi my mortgage now that may not happen because THEIR error. My mortgage is current and has NEVER been delinquent.

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 2020-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I am in limbo between two mortgage companies. My current mortgage company, Freedom Mortgage, purchased my loan from XXXX XXXX  back in XX/XX/2020. The issue is there was an unpaid balance that wasn't included to fulfil the payoff in its totality. XXXX XXXX  is coming after me for the remaining balance, and Freedom Mortgage is coming after me for this months payment. I have called Freedom Mortgage countless times but have been given the run around, and even hung up on twice. I am able to make my monthly payments. However, I am NOT prepared to pay both my monthly payment and XXXX remaining balance that is remaining due to XXXX. Just today I called Freedom Mortgage, and was transferred, and had to explain this complete disaster over and over again to four different people, only to be told again " I'm sorry XXXX XXXX, but thank you for your service. I see that this is a VA loan. I don't know what to do because this has never happened. Please hold while I transfer you over to our closing department because I don't know what to do ... .click ''! The phone hangs up and I'm left with no answers. I have been told for over a month that someone would call me once this issue is resolved so I can make my XX/XX/XXXX payment. Mind you, it is now XX/XX/XXXX. Instead I received a mortgage statement from Freedom mortgage in the amount of {$2900.00}, to include {$58.00} late fee. I have NEVER missed any mortgage payment or even been late. This has been the worst experience I've ever encountered with any company. Currently I am seeking legal advice on how to move forward. I pray no one else has to experience this.

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 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I am trying to refinance my mortgage and Factual Data/XXXX is reporting unpaid tax liens which is inaccurate. I have even submitted certified tax lien releases and it is still showing on my credit.

Company response to consumer: Closed with explanation