vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had care credit earlier this year to pay for a dental procedure. I paid my account in full and closed my card. 2-3 months later I attempt to apply for a new account. I am denied through the preapproval application process. I contacted Sychrony and was told that I was denied because I didn't check the terms and condition box. I reapplied through the same preapproval process and checked the ONLY box that says " check here that you agree this is not a credit check ''. I was denied again and the message stated I would receive the reason within 7-10 days. I received a letter 7-10 days later and it says I was denied due to a previous application approval. I call back to care credit and spend 45 minutes on the phone only to be told I was denied due to not checking the terms and condition box. The representative told me to reapply through the preapproval process again and make sure to check the box. I was denied again with the same message to wait 7-10 days for their reason. I received another letter dated XX/XX/XXXX stating again that I was denied due to a previous application approved. I call back today XX/XX/2021 and went through the same process again applying through the preapproval process only to get denied again. I walk through the application process again with the representative and still denied. I an transferred to a manager who said that I am not checking the terms and condition box. I told him there is no terms and condition box and read what I saw. He said there is a part 2 to the application where I have to press the box for terms and conditions. How am I suppose to check a box or move on to part two if I AM BEING DENIED AFTER I SUBMIT THE FIRST PART. He told me that I could try to apply with a coapplicant and I declined due to the fact I am qualified on my own! He told me I would need to have the place I am needing to get my surgery done apply. No one is able to tell me why I am being denied credit and the letters that are suppose to tell me why are only saying it is because my previous application was approved. Care credit shows no approved application.

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 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In a notice letter dated XX/XX/2021, I, XXXX XXXX XXXX, ( a " consumer '' ), did hereby provide written notice to TRANSUNION CONSUMER SOLUTIONS ( a " consumer reporting agency '' ) of a violation of my rights as defined by U.S.C. Title 15, Chapter 41, Subchapter III 1681b with written instruction to delete specific inaccurate and unlawful data furnished to my consumer report. The notice letter was sent via certified mail with confirmed receipt and courtesy copies provided via email to Transunion 's executive staff members with facts and law. As of today, XX/XX/2021, I have confirmed Transunion has not adhered to my written instruction and continues to furnish the data specified as impermissible to my consumer report. The Office of the Law Revision Counsel of the U.S. House of Representatives publishes and prepares the United States Code pursuant to Title 2, Section 285 and publicly furnishes U.S.C. TITLE 15, CHAPTER 41, SUBCHAPTER III, 1681b of Permissible purposes of consumer reports at us.house.gov where it clearly states ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is a direct response to a letter I received from Chase Bank 's fraud department. The letter was dated XX/XX/2021, but I received the letter in the mail yesterday. This letter says that they need my ID and the Identity theft report I completed online at IdentityTheft.gov I am filing a complaint, so I can keep a proper paper trail of my communication for Chase Bank 's fraud department as this has been ongoing for 4 months now, having sent my original letter XX/XX/2021 and today 's date - XX/XX/2021. I want to assure timely response from Chase Bank 's Fraud department while I continue to protect myself from future identity theft. Please see the documents you requested attached. 

" Subject : Action Needed : We need more information from you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I need to switch my account and I don't have access to my old phone or chase account. It's impossible to get ahold of anyone for the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: Lewis & Clark Capital LLC
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: UT

Complaint narrative:
This company is a nightmare. I called in 30 days ago to end forbearance and request a covid flex modification. They did not comply and instead kept me in forbearance. Whenever I call the number on the website, I'm unable to speak to a live person. If I select modification on the phone tree, it lands me at a 'canned response ' that states " please look at the website '' and then hangs up. I applied for a mod 30 days ago only to learn that they never took me off forbearance and basically ignored the request. Then I have been going through circles of ridiculous needless paperwork with a underwriter that obviously either doesn't know what is required for a flex mod or is purposefully trying to get home owners lost in endless loops of unnecessary documentation that no other mortgage company has ever asked for on a flex mod. This company is clearly trying to put up fabricated obstacles to a Flex Mod in the hopes of getting home owners lost in the weeds. The required and requested documentation is clear from their initial packet which I sent in completed and they are now changing these requirements on the fly. The most recent request is a good example... I initially sent in my P & L for the last quarter which is what they asked for in the packet and now they are stating send in each month separately. This is a stall tactic. They don't need that granular info for a flex mod. The waterfall doesn't require it. I guarantee when I send that in they will come up with another obstacle which is unnecessary. When they keep changing the rules on the fly then its obvious to me what they are doing. Not being able to speak with a live person just makes it worse. Everything they are doing isn't necessary for a flex mod and they know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
Credit Corp Solutions on behalf of XXXX XXXX dba XXXX XXXX is trying to collect on account number XXXX which was discharged in bankruptcy in XX/XX/2017. XXXX XXXX failed to file a claim in bankruptcy case number XXXX and are now trying to illegally collect on a debt that I am no longer legally obligated to pay as I have been relieved of it by the Bankruptcy Court of XXXX TN .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
XXXX is reporting this information and I need this DELETED immediately. Other bureaus have removed this account. They are reporting two separate account numbers with two different balances. They are reporting wrong dates and erroneous information.

I have repeatedly asked this collector to verify this debt. Fifth time and nothing has been validated to what is needed as verification. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights. 
Remove fraudulent accounts from my credit report. I am trying to get my approval and this account is holding me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 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: Self Financial Inc.
State: FL

Complaint narrative:
Several months ago I had to replace my debit card before I did so I was always on time with our payments but I didn't realize that the card on file with the old one and the payment started bouncing but I didn't realize that that was why I tried to call customer service to find out why I was getting the payment not paid however I discovered that you can't contact them to the phone number so I just kept trying sometimes I would accidentally click the old card and it wouldn't let you cancel you'd have to wait until the payment bounce then try again which would accrue another {$15.00} charge every time the payment didn't go through had I known that was the reason my payments were going through I would have fixed it however their customer service is not good originally I started emailing them to try to find a way to ask them to waive the {$15.00} charges because I'm having trouble with covid finding a job and making my bills however I'm having a terrible time contacting the company I've given them all information required to find me however they refused to speak to me unless I have the original email I opened the account with which I no longer have access to when you call the phone number it tells you to email when you email it tells you to call it's a big run around

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal limited my account for no apparent reason. I have not done anything wrong and yet they decided to permanently limit my account. I want my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have not received any documentation on how you have appropriately verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your Offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from my Affidavit report attached )

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 2021-10-14 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: SECURITY FINANCE CORP
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2021-10-14 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX on behalf of Harpeth Financial dba Advance Financial is trying to collect on account number XXXX which was discharged in bankruptcy in XX/XX/2017. Harpeth Financial failed to file a claim in bankruptcy case number XXXX and are now trying to illegally collect on a debt that I am no longer legally obligated to pay as I have been relieved of it by the Bankruptcy Court of XXXX TN .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: SC

Complaint narrative:
I have been disputing inaccuracies on my EXPERIAN credit report since XX/XX/XXXX XXXX  EXPERIAN has violated quite a few of my consumer rights. EXPERIAN has and continues to violated XXXXitle 15 USC 1681 ( a ) ( 4 ). EXPERIAN has and continues to violate Title 15 USC 1681 ( I ). EXPERIAN has and continues to violate Title 15 USC 1681 ( g ) ( a ) ( 5 ). Lastly, the have and continues to violate Title 15 USC 1681 ( n ) of the Fair Credit Reporting Act. I have attempted to remedy these injuries with no help. I have sent EXPERIAN copies of all documentary evidence supporting my claim.

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 2021-10-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Dear CFPB, I am complaining about XXXX XXXX XXXX Bank, Wachovia Bank stealing the assets of the Heir XXXX XXXX XXXX at our family home at XXXX XXXX XXXX, XXXX, Illinois XXXX. 

They sued my deceased parents which is legally impossible ( NO SERVICE OF SUMMONS ON MY DECEASED PARENTS ) The Mortgage Insurance premiums that my deceased parents paid for, paid off XXXX XXXX  on XX/XX/ in the amount of {$97000.00}, FHA Case # XXXX. 

After they got paid they continued to foreclose against my deceased parents which you can not do, Pursuant the Illinois Judicial Foreclosure Law 735 ILCS 5/15-1501 ( a ) ( i ) Which makes a Mortgagor a necessary party and a indispensable party to a foreclosure action. 

Then they sued me a non-mortgagor and stole the assets of the Heir XXXX XXXX XXXX and even my personal property at our lifelong family home at XXXX XXXX XXXX, XXXX, Illinois XXXX. 

The law of Intestate succession was violated and stolen pursuant Federal and State of Illinois Law of Decent and Distribution : 755 ILCS 5/2-1 ( b ) Which reads in part ; ( If there is no surviving spouse but a descedent of the decedent : the entire estate to the descedent per Stirpes ) Once again XXXX XXXX  XXXX Wachovia Bank their attorneys have committed fraud and theft of the assets of the Heir XXXX XXXX XXXX XXXX the Son and Next of Kin of XXXX XXXX XXXX and XXXX XXXX XXXX , they have falsified, the character, amount and legal status of the debt when they got paid by the MIP Insurance that my parents paid for on XX/XX/XXXX  in the amount of {$97000.00} on XXXX. 

Once again the assets of the Heir XXXX XXXX XXXX Pursuant 755 ILCS 5/2-1 ( b ) was threatened, abused, harrassed, Vandalised, tresspassed, evicted and stolen by the Bank, their attorneys and the court. 

The Heir XXXX XXXX XXXX never signed a note in the amount of {$100000.00} The Heir XXXX XXXX XXXX never signed a mortgage in the amount of {$100000.00} The Heir XXXX XXXX XXXX never borrowed any money from XXXX XXXX  and Wachovia Bank in the amount of {$100000.00} The assets of the Heir XXXX XXXX XXXX the Son of XXXX XXXX XXXX and XXXX XXXX XXXX ( My Parents ) Was threatened, abused, tresspassed, Usurped, Vandalised, Evicted and stolen by The Bank, their attorneys XXXX and elected and appointed officials of XXXX XXXX, XXXX, Illinois. 

Once again XXXX XXXX  got paid on XX/XX/ in the amount of {$97000.00} They have stolen the assets of the Heir XXXX XXXX XXXX pursuant the Law of Decent and Distribution 755 ILCS 5/2-1 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Amount is {$1000.00} Date is XX/XX/ I emailed Venmo and they are holding my money.

Company response to consumer: Closed with explanation