vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
On XX/XX/2021, I became aware that my account ending in XXXX was closed due to inactivity. I began a chat session on the American Express app and was told to call XXXX to have a customer service rep assist me in reactivating my account. Upon calling, I spoke with a customer service rep who began assisting me in reactivating my card. They asked for general security information ; name, address, phone and last 4 of social security number. A few moments later, they came back on the line and informed me my card had been reactivated. They asked if there was anything else they could assist me with and I said " yes ''. I needed them to order me a replacement card because I no longer had access to my previous card for this account. They acknowledged my request and put me on a brief hold to start the reorder process. A few moments passed and they came back on the line asking for security questions again, this time for my full social security number and income. I felt uncomfortable providing this information as it felt like they were submitting a new application for a credit card, which I had not authorized. They said I could call back later and speak with a different customer service representative to complete this process if I'd like. Instead, I asked to speak with a supervisor. Again, a few moments passed and they came back on the line stating their supervisor was on another call and would call me back ( no timeframe given ). They also stated that after discussing my scenario with their supervisor that I was indeed applying for a new credit card account ; after they had already confirmed I was not opening a new account. I reiterated this was not authorized and that I only wanted to order a replacement card for the account they had just reactivated. I am filing a formal complaint with the CFPB as I believe I was treated unfairly into thinking I was only ordering a replacement card when in reality, I was applying for a new card. Fortunately, I became aware of the situation once asked for my full social security number and income and did not proceed with the process. I believe the customer service representative actions were deceptive in the fact that they used unscrupulous sale practices in order to sign me up for a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
74 charges totaling {$4000.00} were marked as fraudulent. and credited to my account in XXXX of this year 2021. 
Later in XXXX when receiving my new card all 74 charges were then recharged on my account as soon as I used it to take an XXXX  trip. 

After speaking with a representative we found that 73 of the charges were by the merchant name " XXXX XXXX '' and correctly marked fraudulent totaling {$4000.00}. 
1 of the charges were from " XXXX XXXX '' on XX/XX/2021 for {$11.00}. and incorrectly marked by the card company as fraudulent as ( I had requested only charges to " XXXX XXXX '' as fraudulent ) my trip with XXXX recharged all of the 73 fraudulent charges as well. 

I reopened my fraud case with this new information. 

I have never used XXXX XXXX to make a food delivery : I do have 1 legitimate order on XXXX XXXX from " XXXX XXXX XXXX' for {$65.00} which is not on the list of fraudulent charges as it was not processed under " XXXX XXXX '', but otherwise I have 0 orders from the XXXX XXXX XXXX  and have never used it to make a food delivery. 

on XX/XX/XXXX, a chase fraud representative handling my case named XXXX, called my phone at XXXX XXXX, after 2 minutes of intermittent connectivity the call was lost. I called back 3 times, XXXX, XXXX on the same number ( XXXX ) XXXX and then again at XXXX but this time on the number on the credit card ( XXXX ) XXXX. A representative told me that XXXX was now inactive. but would leave my number to be called back. I never received a call On XX/XX/XXXX I called back and I was informed that XXXX decided that the charges were all legitimate on the XXXX without the communication or information he clearly initially wanted to call and ask from me. I informed the representative that I would make a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: FL

Complaint narrative:
expehrian not corrected balances on 5 of my credit cards, and will not except a dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I have had my Amazon Store card for over 5 years now and never missed or was late on any payments ( 72 ) to be exact. I recently closed my account but still have been paying on my XXXX balance, my bank offers a better rate and Im trying to do away with some credit cards I have. Just prior to closing my I got a notice that my XXXX payment in the amount of XXXX was paid then returned by my bank, the dates Synchrony Bank who handles Amazon said this all happened on XX/XX/21. After checking with my bank no transactions took place on that date, the XXXX was processed on XX/XX/21 and was never returned unpaid. I sent my bank statements as proof but after 30 days I was told they needed more proof, so I sent more and again got a letter stating they needed more proof. I have contacted my bank and they are gathering as much proof as they can to show it was paid. In the meantime I signed onto my account to make a payment on my XXXX balance only to see it has now grown to XXXX?. Remember this account was closed by me. I immediately called Synchrony and questioned the increase, after 20 minutes the rep said it was a payment adjustment but all she could see was XXXX?? I was then told she would refer it for investigation and would here back in 90 days. These the same people who cant even credit my account the money I paid and truly dont trust them to resolve this new issue They Created. I need a third party to over see what they are doing because in the process there going to affect my credit if it isnt resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15 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: GA

Complaint narrative:
Requested Transunion to remove fraudulent information according to 15 U.S code 1681b and under 15 U.S code 1681i. The said company Transunion also violated my federally protected rights under 15 U.S 1692 which they did 14 times and also informed me in a letter from XXXX XXXX on behalf of Transunion that they committed Aggravated Identity theft 18 us code 1028A. IN order to verify a debt according to the law they need a signed contract from both parties and keep in mind that a statement isn't a invoice, which wouldn't be available to Transunion as they aren't authorized to speak on my behalf never have been and never will be. Transunion is using deceptive and fraudulent techniques alongside these companies to manipulate consumers scores which can't be explained under the FCRA because it is fraud. As a consumer federally protected under the Fair Credit Reporting Act ( FCRA ) by law these of these inaccurate, unauthorized, unverifiable, and questionable items on my consumer report must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also I have already involved and sent this letter to the Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX XXXX XXXXcc Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXl Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XX/XX/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 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: MN

Complaint narrative:
I have a XXXX XXXX credit card where I incurred a late fee for the balance on the bill of {$5.00} back in XX/XX/2020. The company reversed this late fee for me ; however, it is showing on my credit as a late payment which is hurting my credit I spoke with the company and they have not yet helped to resolve this for me. 

As someone who is in their 20s and previously uneducated on credit, I now understand how important prompt payment is in this matter and this will not let this happen again.I have been extremely diligent since then to ensure all bills are paid on time. 

I completely take responsibility for my naivety and promise in my maturity to move forward with financial competence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had XXXX fraud on my credit card which I cancelled and have not received yet. 
XXXX has charged my new credit card which I have not received, and I do not have the number to use, without my permission. 
I was told by capital once that, Visa Mastercard gave my new credit card number to XXXX ..... I did not give them permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I have never signed an agreement with this creditor ..This is not the original creditor. I was never 30 days late. This Account is Duplicate US Code 1962e FALSE AND MISLEADING REPRESENTATIONS US Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt ; ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My current bank, BBVA was bought by PNC. 
The transition took place on XX/XX/XXXX. 
I have 5 accounts, 2 personal and 3 business accounts. It took 2 visits to the branch and a total of 6 hours for them to give me access to my 2 personal accounts. 
I still can not access my 3 business accounts, which I use on a daily basis to operate my businesses. 
I have spent HOURS on the phone and 6 hours in person at my local branch attempting to access my account information- and now here I am, 7 days later still unable to gain access to my 3 business accounts. 
I am not the only one in this predicament as every former BBVA branch in XXXX is overrun with irate customers in the same situation I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
I received letters twice from Enhanced Recovery Co L regarding collections for a mobile device number not associated with me, on the back of the bill it tells you to pay at XXXX XXXX or XXXX XXXX. My husband contact Enhanced Recovery Co L, they tried to claim that the I owed {$1500.00} for an XXXX XXXX XXXX mobile number ; this is inaccurate. I believe the company is fraudulently trying to obtain my information, also they sent a fraud packet for me to complete. I didn't complete the packet nor pay the fraudulent bill. I have filed a police report with my local agency, the officer informed not communicate any further with Enhanced Recovery Co L, he believes this is clearly a scam, trying to obtain my personal information to use for other purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
My mortgage account with Mr. Cooper collected County Taxes 2 times in XXXX instead of 1 time. On XX/XX/XXXX, Mr. Cooper sent {$3.00}, XXXX to XXXX XXXX County. On XX/XX/XXXX, Mr. Cooper sent {$3.00}, XXXX to XXXX XXXX XXXX. In XX/XX/XXXX, a check from XXXX XXXX County in the amount of {$3.00}, XXXX was payed to Mr. Cooper for over paying the taxes in XXXX because they paid it twice. Mr. Cooper did not return the taxes or the Escrow account. It is XX/XX/XXXX and my escrow account still isn't adjusted/ money has not been returned to my account. This caused my mortgage to go from {$1700.00} to {$1900.00}. A difference of {$190.00} every month since XX/XX/XXXX. That is twelve months of over paying the mortgage payment since it is XX/XX/XXXX. Tax form 1098 from 2020 showed I payed property taxes in the amount of {$6.00}, XXXX. I have called the customer service number five times and spoke to the customer service and chatted online with Mr. Cooper and nothing has been done. My daughter called and spoke to a supervisor, XXXX XXXX in the Executive Resolutions Team on XX/XX/XXXX. Ms. XXXX tried to say it was an payment for XXXX. I had the account open and it showed I paid the taxes in XXXX. She walked that back. She found that XXXX XXXX County sent the check back for double payment in XX/XX/XXXX. She said she would escalate the situation to XXXX who handles the taxes for Mr. Cooper. She sent an email to confirm that on XX/XX/XXXX after speaking to my daughter and myself. She said it would be resolved in 9 days. Left a message on my home answering machine on XX/XX/XXXX stating it was being processed. On XX/XX/XXXX I got an email from Ms. XXXX stating she was still waiting for XXXX to get to her. I wrote her back in frustration but stayed respectful. I have heard nothing. My daughter left a message for Ms. XXXX on XX/XX/XXXX letting Mr. Cooper know that we were making a complaint. For over a year, we have tried to get this resolved. We need help. My wife has XXXX. I am busy from morning to night. We have a lot of medical bills to pay. This situation is unconscionable and illegal. I am unable to refinance at a much lower interest rate until this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I recently requested from my loan servicer Mr. Cooper ( Nationstar ) to remove the PMI from my loan as the LTV has dropped below the 80 % threshold, I have had no late or missing payments in the 5 1/2 years I've had the loan, and the property value has increased substantially. I received a call today from a person in their Insurance department, and he told me that the removal of PMI was based solely on the original amortization of the loan, and I told him that the guidelines clearly state that it also states 'based on actual principal payments '. 
Mr Cooper is in violation of the XXXX Guide section 8203.2 ( a ) Borrower-requested cancelation of Borrower-paid mortgage insurance based on the original value. 
The original purchase price of the home was {$130000.00} in XX/XX/2016, and the loan was originated with a 5 % down payment, which brought the pricipal balance down to {$120000.00}, or 95 % LTV. With my most recent payment, the principal balance is now {$100000.00}, or 79.74 % LTV.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I logged into my XXXX XXXX XXXX account and was looking at my charges and say a charge of {$44.00} to my account. The charge said " MONEYLION LOAN REPAYMENT ''. I do not have an account with them and when I contacted them they told me to send over my information so they can check it out. I did this and three days later they sent me another email saying they never heard back from me so they are closing my ticket. I called their customer service number and they said they would check it out and call me back. It has been three weeks almost and they have not contacted me. I have not taken out a loan with anybody. I think someone took out a loan in my name. I have student loans but they are through something else and they are paused anyway so I know it's not that. Please help me get this sorted out. I am trying to keep my credit score good and I don't want to pay for something I didn't sign up for. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
On XX/XX/2021 I sent a certified debt verification letter per 15 USC 1692g Sec. 809 ( b ) of the FDCPA. to EXETER FINANCE LLC located at XXXX XXXX XXXX, XXXX, TX XXXX XXXX. 

On my credit report, Exeter has reported a balance of {$13000.00} along with other negative items that have affected my credit. On XX/XX/2021 at XXXX XXXX my certified letter was successfully delivered to Exeter Finance. Their offices failed to respond to the validation request within 30 days from the date of receipt and did not delete and completely remove the negative marks from my credit file. 

Instead, on XX/XX/2021 Exeter finance and XXXX XXXX XXXX XXXX stole my vehicle from my home which is private property. Not only did Exeter not respond to my certified letter requesting verification of the debt, but they have also violated the following laws : - 15 USC 1692g Sec. 809 ( b ) - 15 U.S. Code 1692e - 15 U.S. Code 1681- Illinois Statutes Chapter 810. Section 9-609.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently got a copy of a credit report because I was wanting to purchase my first home. Upon checking my credit report I saw several unusual accounts and addresses that were not mine. I contacted the companies and also the credit bureaus with no success. I am listing the fradulent accounts as well as dates and addresses that arent not mine below. 

Company : XXXX XXXX Account # XXXX* DatesXXXX Amount : {$30000.00} Company : US DEPT ED Dates:XXXX XXXX : {$990.00} Company : US DEPT ED Dates:XXXX Amount : {$1000.00} Company : US DEPT ED Dates:XXXX Amount : {$1300.00} Company : USDOE/XXXX XXXX Amount : {$3200.00} Company : XXXX XXXX Dates:XX/XX/XXXX Amount : {$3500.00} Company:06 XXXX XXXX XXXX Dates:XX/XX/XXXX Amount : {$210.00} Company:6 XXXX XXXX XXXX XXXX Dates:03/10/2020 Amount : {$56.00} Company : US DEPT ED Dates:XXXX Amount : {$1100.00} Company : USDOE/XXXX Dates:XXXX Amount : {$3400.00} Company : US DEPT ED Dates:XXXX Amount : {$3100.00} Company : US DEPT ED Dates:XXXX Amount : {$1800.00} I am also disputing the credit inquiries that are credit report. I am listing the accounts dates. 

Company : XXXX Date of InquiryXXXX Company : XXXX Date of Inquiry:XXXX Company : US SM BUS ADMIN ODA Date of Inquiry:XXXX Company : XXXX  Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX  Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date of Inquiry:XX/XX/XXXX Company : XXXX XXXX XXXX Date of Inquiry:XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
I lost a job in XXXX and had to enter a forbearance plan with my mortgage company. I XX/XX/XXXX, I was ready to come out of the forbearance and reassume monthly payments. I have now been trying to close out the forbearance for 8 months and my monthly statement shows Im over a year behind on my mortgage, even though I have made a monthly payment every month since XXXX. Since then, I have had XX/XX/XXXX XXXX and been out of work for 2 months. I need to refinance and cash out some equity to get my financing back under control and my mortgage company is causing me distress by not closing my forbearance out.

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