vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 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: CBC Companies, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 I sent law enforcement report, ID, and utility bill to XXXX so that they could block the fraudulent charges appearing on my credit report. I communication over the phone that they ignored my dispute because they didn't think I sent it. So I have hand written my dispute and attached the previous dispute. XXXX  failed to respond to investigate the initial dispute within 30 days and is in violation of FDCPA. The items contain fraudulent charges and they were required to remove the items within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
My mortgage servicer was transferred from Dovenmuehle to XXXX mid XXXX, with the XXXX payment due to XXXX. I have verified with XXXX that this is correct. I received notices in the mail from Dovenmuehle, XXXX and XXXX verifying this. 

Since this time, Ive made all required payments to XXXX and am in good standing with my mortgage. 

Since late XXXX, Ive received multiple calls from the collections department at Dovenmuehle, that I am delinquent on payments. When I inform them that they are no longer the servicer, they inform me that they show that is incorrect and I need to make a payment. Ive talked to their customer service department twice about this and have emailed them proof ( the letter they sent me, along with the letter from XXXX and XXXX ), but have yet to hear back. Additionally Ive received a collections letter from Dovenmuehle, stating I owe them two months payment and if not received by XXXX, they will start the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: NC

Complaint narrative:
Unfortunately, the purpose of this letter is to inform you that the companies listed failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the U.S. Postal Service on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 102 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report.

I would like to inform you that I have maintained an accurate chronological record of my communications with them. If they continue to fail to respond to my requests, I will implement litigation due to the hardships these invalidated items on my reports have caused me.

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 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On Monday, XX/XX/2021, at about XXXX XXXX. I could not find a nearby branch that was open so I was forced to deposit through an ATM machine. Which I am extremely uncomfortable doing. 
( now I know why ) I went to the only branch in XXXX, NC. 
Address : XXXX XXXX XXXX, XXXX, NC XXXX. 
I inserted checks in groups of 10 as directed by the machine. on the 3rd round of depositing checks, the machine froze. It would not do anything. I could not get a receipt or my card back. I tried calling the number on the ATM machine but was put on hold for 30 minutes. I had to begin teaching so I was forced to hang up on the call. On Tuesday I call the XXXX branch in which we have done business for over thirty years and was told the deposit would probably deposit by XXXX that night but if not to come in and they would help me. ( No mention I would need an appointment to get help with over {$5000.00} of missing money ). On Wednesday, XX/XX/XXXX, ten days after making the deposit still no credit - so I went to the XXXX branch and was told they did not have time to help me! They were booked solid and I could leave the information concerning the missing deposit and they would get back to me the next day. ( why did they not book an appointment with me when they told me to. come into the branch? ) While in the branch, I left detail of every missing check and the amounts. The branch manager ( XXXX ) assured me she would resolve this issue. The next day she left me a message the next day to call her back, I have called her back every day for over two weeks but no one answers the phone. I have called XXXX XXXX direct line as well as the branch line NO ONE ever answers. 

With no help at the branch in which I have done business for over 30 years, I went online and made an appointment with the small business banker. We talked on Monday, XX/XX/2021, he assured me he would help me and would call me back on Monday. He did not call. I called him Tuesday, Wednesday, and Thursday leaving messages each time - no return phone call. I scheduled another appointment with the small business banking manager for Friday, XX/XX/2021 He didn't even bother to call! I called and left a message still no return call. 
I finally found another phone number to call and a lovely girl XXXX helped me file a claim - but it took more of my time. I had to tell her every check and every amount which was the information had had to go back and gather that I gave to the branch manager. This lost deposit has cost me over 10 hours in phone calls, emails, and going into the branch. 
It is XX/XX/2021, and I still do not have the money in my account. Twenty four days and the deposit is still lost!

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 2021-02-10 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: DISCOVER BANK
State: CA

Complaint narrative:
I thank you, the Consumer Financial Protection Bureau, for looking into this. 

I am in XXXX XXXX, XXXX. I am up-to-date on my payments with Discover Student Loans. Every other lender I have has granted me " grace '' because I am XXXX Discover, through a potential arbitrary and subjective decision, has denied my XXXX XXXX status. Ok. I've argued every potential path and Discover has continued to deny my status. Ok, fine. However, I am not pleased with their subjective decision to allocate my payments to my past due amount to current amounts due. These current amounts due have already been covered.

Discover has sunk my credit 93 points. So sad. I have made consistent payments since XX/XX/XXXX and the minute I decide to contest, Discover decides to be unreasonable. Unbelievable.

Furthermore, I spoke with many Discover agents in the process to try to get deferment and a change in allocation. XXXX, a nice gentlemen, was very understanding to the situation. However, I was transferred to a gentlemen named XXXX out of the XXXX XXXX XXXX office. Very disappointed : he was very unprofessional, consistently interrupting me, extremely argumentative, and always called me " bud. '' My atty who was also part of the call, listening in, relayed the same : " very unprofessional. '' Putting this is writing so as to potentially pursue legal action. ' XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is claiming that I owe them {$550.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I believe SYNCHRONY BANK violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case SYNCHRONY BANK revoked my credit. Shown in exhibits.

I believe SYNCHRONY BANK is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or 1 per centum of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits.

Fact, SYNCHRONY BANK did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits.

Fact, SYNCHRONY BANK violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on XX/XX/XXXX. I believe SYNCHRONY BANK is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits.

This is my second affidavit of truth being served to Synchrony Bank my first affidavit has been ignored. File uploaded will include my first and second affidavit.

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 2021-02-10 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: GA

Complaint narrative:
These accounts are inaccurately reporting that I was late on my credit file : 1. XXXX XXXX ( Opened : XXXX XXXX ) - is incorrectly reporting that I was 60 days late XX/XX/XXXX ; please send me proof that this information is accurate. 

2. XXXX XXXX ( Opened : XX/XX/XXXX ) - is incorrectly reporting that I was 60 days late XX/XX/XXXX ; please send me proof that this information is accurate. 

3. XXXX XXXX - is incorrectly reporting that I was 30 days late from XX/XX/XXXX - XX/XX/XXXX and XXXX & XX/XX/XXXX ; please send me proof that this information is accurate. 

4. XXXX XXXX XXXX XXXX is incorrectly reporting that I was 30 days late XXXX XXXX ; please send me proof that this information is accurate. 

5. XXXX XXXX - is incorrectly reporting that I was 120 & 180 days late from XX/XX/XXXX - XX/XX/XXXX ; please send me proof that this information is accurate. 

6. Incorrect Personal Information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX There is one account that is reporting on my credit file that does not belong to me : 1. XXXX XXXX XXXX - XXXX XXXXXXXX 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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please review my credit file for inaccurate items. There are 1 account that is reporting an inaccurate late status, an incorrect reporting of a bankruptcy, and 2 accounts reporting that does not belong to me. Also, there are incorrect address and name spelling. 

Account that is not mine : XXXX XXXX  and XXXX XXXX ; and the Bankruptcy with a file date of XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Ct, XXXX XXXX ; incorrect name : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX is reporting an inaccurate late status ; it is inaccurately showing that I was late XXXX & XX/XX/XXXX and from XX/XX/XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I have disputed items with this collection agency on XX/XX/2020, XX/XX/2020, and XX/XX/2020 all sent by certified mail. LVNV funding has refused to verify this debt as being mine. They have supplied zero evidence that this account is mine and have refused to supply me with the original form of indebtedness bearing my written signature which is needed to verify this information. I have received zero response from this company since my last certified letter sent XX/XX/2020 and have given them more time than the 30 allotted days to respond and verify this information. In previous letters, they just state that the accounts are verified. How are they verified when they have not provided me any documentation that they need to supply according to the law as I requested? All my 3rd party agencies are frozen so how is this debt verified? They are illegally reporting on my credit report and this is now defamation as they refuse to verify these debts as their illegal reporting is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: NY

Complaint narrative:
To someone that can help me, Unfortunately, the purpose of this letter is to inform you that the companies listed have failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the U.S. Postal Service on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 84 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 84 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I believe SUNCOAST CREDIT UNION violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case SUNCOAST CREDIT UNION revoked my credit. Shown in exhibits.

I believe SUNCOAST CREDIT UNION is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or 1 per centum of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits.

Fact, SUNCOAST CREDIT UNION did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits.

Fact, SUNCOAST CREDIT UNION violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on XXXX. I believe SUNCOAST CREDIT UNION is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits.

Affidavit is attached in file upload so please respond quickly. Default file was two large to upload but was sent in the mail by usps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: NY

Complaint narrative:
To someone that can help me, Unfortunately, the purpose of this letter is to inform you that the companies listed have failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the U.S. Postal Service on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 84 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 84 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.

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 2021-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I was told by the lender 2 years ago that my MIP would be terminated when my equity reached 20 percent. The equity in my house is well over 20 percent but they have not terminated my MIP coverage.

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 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i called bank of america to inform them about my EDD Debit card atm withdrawls made on my debit card and it was not i who made these transactions. So i was transfered over to the fraud dpt where i made the report of unauthorized transaction totaling the sum of {$1200.00} in two different ocassions the first one on the date of XXXX XXXX for the sum of {$980.00} and then again on XXXX XXXX for the sum of {$220.00}. Again i explained to the personel from Bank of America how Ive been a victim of fraud, The next day i call so i could get some type of feedback on whats the process and how long it takes come to find out my account is closed and no one can help me because the account is closed.

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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Mortgage Lender is unable to obtain a credit Report from Equifax even after I called Equifax and the representative verified that there are no freezes of any kind. The Equifax representative even pushed me to sign up for membership with them to obtain a copy of my credit report, and still never resolved my problem and even took 2 payments of {$4.00} from my bank account while my online Equifax account still has not granted access to my benefits and continually inviting me to sign up for membership once again. I have even gone to obtain my Equifax credit report from annualcreditreport.com to only receive XXXX and XXXX reports and fails to send my Equifax report.

Company response to consumer: Closed with explanation