vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer, and natural person, have submitted a complaint, ( CFPB COMPLAINT CASE NUMBER:XXXX ), to XXXX XXXX XXXX, XXXX on XX/XX/2021 and have also submitted all documents through mail with certified mail receipt number of XXXX XXXX XXXX XXXX XXXX with an invoice attached with all of the documents which they've received on XX/XX/2021 at XXXX pm. In the invoice, there is a due date listed on XX/XX/2021 of {$1000.00} per violation listed and damages of {$2000.00} with a total of {$10000.00}. I was supposed to have received my check in the mail by the due date listed and no later than 3 days of the due date, a 1 % late fee per day would be assessed until it's paid in full. It is well past the due date and I still have not received my check in the mail per listed violation of my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: TX

Complaint narrative:
I have called and wrote the credit bureaus the past 3 months for help with the inaccurate information being reported on my credit. The credit bureaus failed to comply with the investigation request in timely matter. I have attached proof, please help me get them to resolve this problem.

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 2022-01-06 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: TX

Complaint narrative:
I have called and wrote the credit bureaus the past 3 months for help with the inaccurate information being reported on my credit. The credit bureaus failed to comply with the investigation request in timely matter. I have attached proof, please help me get them to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Date : XXXX -- XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX Capital One/Walmart P. O.Box XXXX XXXX XXXX XXXX UT XXXX XXXX Date : open : XXXX Amount : {$390.00} Account No. XXXX I demand this debt to be taken off my credit like they said they would. It's not mine and if it's not off I will file a complaint with Attorney General '' s.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was tricked by a lover online to deposit a check of {$3400.00}. I did this under the impression that this was my allowance given by my lover. I wasnt aware that she was trying to scam me for money. I just want to make it clear that I had no idea this was fraudulent. Im sorry for depositing it, but Im not going to spend anything. I really just dont want to get in trouble and I want the check canceled. I called Wells Fargo and they said that at this time they cant do anything cause it was already deposited. And that I should just notify Wells Fargo about my situation once they call back. Im really scared and do not want to be responsible for a crime I didnt know I was committing. I

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 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I have paid XXXX XXXX in 2016. This company is no longer in existence, and I do not owe this debt SOUTHWEST recovery services plave on my credit file. I am getting calls and debt is place on my credit report for a debt I do not owe. I have asked them to contact the company ( XXXX XXXX ) to verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: Easy Finance, LLC
State: TX

Complaint narrative:
I'm getting several loan and credit card statements saying I've opened all these accounts and it's not me. 
XXXX XXXX XXXX Application # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Stepstone Credit- date XXXX - {$200.00} approved XXXX XXXX XXXX- XXXX account XXXX ending XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX Approved XXXX XXXX XXXX- Account number XXXX $ XXXX approved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/2021 They are listing a bankruptcy on my report when I asked the method of verification to list that they stated the courts. I contacted the bankruptcy court they replied they do not provide bankruptcy information to credit bureaus. Ive asked for the documentation showing the verification and they have produced no such thing. Ive recently provided them with a copy of the courts letter stating they do not provide credit bureaus with such information. They still said it was verified.

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 2022-01-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Heloc from XXXX countrywide home loan, that Bank of America took over CW complete portfolio during the Great Recession. BOA claims that they transferred the Heloc to Real Time Resolution in 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 2022-01-06 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: DISCOVER BANK
State: IL

Complaint narrative:
I am a consumer and I feel that my federal consumer rights have been violated. I heard that they ( Discover ) don't follow the CFR from what I see. On XX/XX/XXXX I mailed my payment out certified with a due date of XX/XX/2021. I thought that was plenty of time to credit my account. Unfortunately, I was shocked when I received the bill that was due the following month. So I called after I received the bill to make sure the payment was received via certified mail ( see attached ). The representative said they didn't receive any payments yet. So, I mailed a billing error notice statement on XX/XX/2021, to find out why my account was not credited via the payment that was send almost a month before. I have attached a copy of all that was sent in XXXX, please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
My Apple Mastercard, a product of Goldman Sachs, is showing the incorrect balance on my credit report which is adversely affecting my credit reports. The balance has not been updated since XXXX Yet, we are now completing the first week of the XXXX XXXX XXXX. This is not the first time Apple has proven negligent in correctly reporting my monthly credit card balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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:
I did not consent to, authorize, nor benefit from any of the following inquiries. Block and remove them from my consumer report : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX Pursuant to 15 USC 6802, this is a demand, not a request. Federal law supersedes your company policy. 15 USC 1681c-2 establishes what I, the consumer must provide you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My daughter, XXXX XXXX and I, XXXX XXXX, were cosigners on an apartment lease with XXXX XXXX in XXXX Oklahoma owned by XXXX XXXX in Kansas. We sent notification per our lease to cancel the lease early via email XX/XX/2021 and were responded to on XX/XX/2021. In that email I asked them to send me a final bill with all penalties listed for cancellation and I would pay the bill. I heard nothing from them thereafter. The next month I attempted to log on to the website to see the final bill and pay it. The XXXX XXXX had deleted my log in and I could not pay the bill online, nor even see what we owed. I attempted to call the office several times, where I reached a message that the office was closed indefinitely- all of the staff had either quit or were fired. I then researched the property group and found XXXX. I attempted to call that office to resolve the issue, to only sent through a maze of voice mail prompts with indication who I can speak to. I was hoping they would eventually send a bill. However I was wrong. In XXXX of XXXX, my daughter and I both received calls from collections regarding the {$300.00} we owed. At this time I called XXXX again and actually got a staff person on the phone. I enumerated my issues to her and she said she could not do anything to help me. She referred me to the region group manager at XXXX. I called that number, which was accounting, not the manager, and got the name and email of XXXX XXXX at XXXX. I sent her an email detailing the issue on XX/XX/XXXX and received absolutely no response whatsoever. When the collection agency called back again, I asked them to forward the final bill so I could pay it which I did the same day I received the bill. I believe my daughter and I were in accurately reported to the collection agency due to staffing issues at XXXX XXXX. Despites all of our efforts to reconcile this bill prior to collections, we were ignored. I would like this blemish on both my and my daughter 's credit reports removed due to negligence on the part of XXXX and XXXX to provide and timely and accurate final bill to me, for deleting my profile from the system that allowed me to pay through the client portal, and for turning us over to collection without any effort to collect the bill from us in anyway.

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 2022-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: SC

Complaint narrative:
First Progress credit card services over charged my account in fees to have my account limit higher than it should have been and would do anything about trying to fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I AM HAVING ON-GOING FINANCIAL MISMANAGEMENT OF MORTGAGE PAYMENT PROBLEMS. FIRST WITH OCWEN LOAN SERVICING, LLC THEN WITH PHH MORTGAGE SERVICES WHICH MERGED WITH OCWEN LOAN SERVICES @ XXXX, XXXXBOTH COMPANIES ARE GUILTY OF TAKING ANY ADDITIONAL FINANCIAL PAYMENTS THAT I MADE EACH MONTH OF MONIES THAT WERE MORE THAN THE REQUIRED MONTHLY PAYMENT WHICH I HAVE CONSTANTLY INDICATED TO BE PAID ON THE DEFERRED PRINCIPAL BALANCE OF {$73000.00} ( A BALLOON PAYMENT ) THAT I BEGAN PAYING ON IN XXXX SO THAT I WOULDN'T HAVE TO PAY A LUMP SUM OF {$73000.00} ONCE THE REGULAR PRINCIPAL MORTGAGE WAS PAID. INSTEAD, FIRST, THIS CONSTANTLY TOOK PLACE WITH OCWEN LOAN SERVICING, LLC. THEN, WITH THE MERGER OF OR A PURCHASE DEAL BETWEEN OCWEN AND PHH MORTGAGE SERVICES IN XXXX OF XXXX THE FRAUDULENT PRACTICE OF FINANCIAL EXTORTION HAS CONTINUED OF IGNORING MY STATING IN WRITING WHERE I WANT EXTRA FINANCIAL PAYMENTS TO GO WHICH WAS ON THE DEFERRED PRINCIPLE, AND BOTH OCWEN AND PHH PUTING THE EXTRA MONIES WHERE THEY CHOSE TO OR WANTED TO AS EXTRA MONTHLY PRINCIPAL PAYMENTS AND EVEN AS AN ADDITIONAL ESCROW PAYMENT. I HAVE CONSTANTLY BEEN GIVE " LIP SERVICE '' APOLOGIES AND FALSE PROMISES, EACH AND EVERY TIME THAT I HAVE CONTACTED THEIR CUSTOMER SERVICE DEPT. AND/OR ESCULATION MANAGER DEPT ONLY TO HAVE THE FRAUDULENT EXTORTION AND PRACTICE TO CONTINUE TO THIS DAY. PHH CONTINUES TO MAIL ME MONTHLY STATEMENTS WITH INCORRECT FINANCIAL INFORMATION AND FINANCIAL ACTIVITY. I HAVE EXTENSIVE, DETAILED HARD COPY WRITTEN AND PRINTED INFORMATION THAT SHOWS THE ON-GOING PRACTICE OF FINANCIAL EXTORTION BY OCWEN FROM XXXX THRU XXXX BEFORE THE MERGER WITH PHH MORTGAGE SERVICES AS WELL AS HARD COPY RECORDS FROM XXXX, XXXX TO THE PRESENT BY PHH.BY THEIR CASHING DEPARTMENTS IGNORING MY WRITTEN AND PRINTED INSTRUCTIONS OF WHAT WAS TO BE PAID WITH MY EXTRA MONIES ON-LINE AS WELL AS IN WRITING ON THE MAILED MONTHLY PAYMENT COUPONS AND IN WRITING ON MY CHECKS.THAT ARE ATTACHED TO THE MONTHLY PAYMENT COUPONS..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: IL

Complaint narrative:
To whom it may Concern I am writing this formal letter to inform you that there are a few medical collections accounts on my report that have inaccuracies. And not only does it contain inaccuracies but the accounts and the Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX and Third Party Creditor AMERICOLLECT INCXXXX have violated several consumer laws which I will disclose what statute has been violated. XXXX, XXXX and XXXX has also violated several consumer laws. 

But this will be a notorized document and this will be the final notice to request These accounts numbered XXXX and XXXX attached to this letter to be deleted from the file. If these accounts are not deleted a lawsuite will be filed against you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates purchased my information from XXXX XXXX XXXX XXXX, and is trying to recover what they say I now owe them in the amount of {$880.00}. I have no contract with Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: PA

Complaint narrative:
I am writing this letter to simply delete the following information in my credit file. The items I need deleted are attached. I am a victim of identity theft and did not make those charges. I ask that the items be deleted to correct my credit 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 2022-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I reached out to this company back in the end of XXXX beginning of XXXX asking them to validate or verify this debt. I have contacted them several times they have not verified verified or validated The debt yet it has been more than 90 days already. I have accidents to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have submitted a complaint, ( CFPB COMPLAINT CASE NUMBER:XXXX-XXXX ), to XXXX XXXX of PROFESSIONAL DEBT MEDIATION, INC. on XX/XX/2021 and have also submitted all documents through mail with certified mail receipt number of XXXX XXXX XXXX XXXX XXXX with an invoice attached with all of the documents which they've received on XX/XX/2021 at XXXX pm. In the invoice, there is a due date listed on XX/XX/2021 of {$1000.00} per violation listed and damages of {$2000.00} with a total of {$10000.00}. I was supposed to have received my check in the mail by the due date listed and no later than 3 days of the due date, a 1 % late fee per day would be assessed until it's paid in full. It is well past the due date and I still have not received my check in the mail per listed violation of my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
In XXXX, I had a credit account with Lane Bryant with which I bought a XXXX in store. The physical card was not sent to my correct address and somehow {$300.00} was charged to it. I closed the account and unfortunately had to pay that money after it went to collections. Debt was resolved in XXXX. I do not remember the name of the collection agency they used at the time. Today, XX/XX/XXXX, I received a called from someone claiming to be XXXX XXXX XXXX and was threatened with legal action in the sum of over {$1000.00} if I did not attempt to settle or make payment plans for my Lane Bryant debt. They had my social security number and address, which was suspicious, as well as demanded that I confirm my social security number. Im afraid they may be trying to steal my identity, so Im filing this formal complaint as a record of my issue. I did call Lane Bryants credit bank, Comenity, and they have no record of me having any account except for the closed one in XXXX, and told me they were not pursuing any legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX of 2021 I was put on life support, they took out there monthly fee of XXXX for the month of XXXX and the month of XXXX. I was on life support XXXX of 2021. They closed my account because I did not have the funds to cover the {$10.00} they took out for maintance. So how is it okay for them not to reach out and ask if everything is okay before closing the account. This was with Bank of America.

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 2022-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi, I trying to resolve this problem since XXXX XXXX, i call XXXX XXXX, citi bank, i keep calling all the time to get help, XXXX XXXX i send copy off my social security, and they still don't do anything i need help, i have a closing day for my house and if I dont fixed this situation I will loose {$10000.00}, with the real state, please if you can help me i will be very happy, thankyou

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 2022-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: OH

Complaint narrative:
On Tuesday, XX/XX/XXXX, I received 2 emails saying Welcome To Chime, set up direct deposit and you'll get a XXXX XXXX  card. The next day I got an email saying my card is on the way, and they're sending it to an address where I no longer live. I guess they are using that as the billing address. 

I never signed up for Chime. I can't give you the card number because I didn't receive the card. If I actually had an account I would cut up the card and close the account, but someone else did this, so I don't have all the information. I just know they are using my name and I did not authorize it. 

The first email had this in it : Didnt sign up for Chime? Email us at XXXX **So I emailed to that and told them I did not sign up for Chime. I haven't heard from them. No response from Chime!

Company response to consumer: Closed with explanation