vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I received a debt collection notification from XXXX XXXX XXXX in mid XXXX which was addressed to my name and address for the amount of {$4000.00} for a debt titled " Synchrony. '' I also received a phone call, which I answered and told the representative I was unsure was this debt was for and requested proof of the debt to be mailed to me. I disclosed I am a victim of multiple identity theft instances going back as far as XXXX and at the time had a freeze on my credit for that precise reason. 

When XXXX emailed me the " proof '' it was a simple piece of white printer paper with the same information : Name, address, {$4000.00}, " Sychrony. '' There was ZERO information new and nothing provided to help me determine if I owed this debt. 

XXXX followed up via phone and told me they sent the proof of debt, which I told them was not valid. 

XXXX is still attempting to collect this debt and reporting monthly on my bureau against all laws. This is not a legal debt collection practice and needs to stop and be removed until they can validate the alleged debt.

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 2021-01-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
Saturday, XX/XX/2021 - To make a Sevice appointment for my mother, I had to give my credit card number to the company - I told them at the time that they may not be allowed into the facility because of COVID. The charge showed up immediately as pending ( no surprise ). They said I would not be charged if I canceled. I immediately found out that they would not be allowed in and canceled the service call which was tentatively scheduled for one week later, Saturday, XX/XX/XXXX. I canceled by email, phone and chat, all confirmed I would not be charged. The charge went from pending to charge 4 days after canceling, on Wednesday, XX/XX/XXXX. Upon calling the service company, XXXX XXXX ( part of XXXX XXXX XXXX ), and my Citi Visa, I was informed I would not receive the credit for {$99.00} for 14 days! They are not disputing the credit, but it will take that long. I pay my credit card in full every month. It closes in the next couple of days, so, now I will be out {$99.00} or have to pay interest. My question/complaint is how a charge is allowed to hit immediately, but an undisputed credit is allowed to take 14 days?! Criminal! What a scam! Is it the service provider or the credit card company? This is not so much about the {$99.00} as the legality of this delay.

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 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XX/XX/XXXX Lost my job for the very first time, Im XXXX  years only Final ran out of money XX/XX/XXXX was charged {$76.00} in overdraft fees XX/XX/XXXX was charged {$32.00} for extended overdraft XX/XX/XXXX was charged {$10.00} service charge for " free '' checking XX/XX/XXXX was charged an additional {$38.00} for overdraft fees XX/XX/XXXX was charged {$76.00} in overdraft fees XX/XX/XXXX was charged {$38.00} for overdraft fees I called the bank on XX/XX/XXXX when I discovered that I was overdrawn. Explained my situation. They offed to adjust 2 of the 8 charges. I asked to speak to a manager and they were not available. Was told they should call me back in about 15 minutes. They called back 24 hours later and the manager XXXX would not help either. They did not care that I was unemployed and making {$200.00} per week on unemployment. She when on to say if was my fault and they would not do anything additional

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX, after finishing my on line billing i noticed my savings was low so i checked my statement on line and noticed 2 wire transfers and peoples name that i dont know and numbers on my account i do not make wire transfers ... ... right away me and my husband went to the bank and reported the bank rep called the fraud department to reported and to close that account. After 1 hr of being there he notices another withdrawned being made he did not stop also he check our personal information and our phone numbers were changed to some out of state numbers our numbers were removed claim was put thru after answering all questions from the investigator we received a letter closing my claim stating i gaved permission for the transfers which we explained we did not so we see the manager and she puts in another claim with different department after that investigation came back denied that it shows came from my computer ... ... .at this point no written explanation was given to us about the wrong accused and being investigator thanks so much let me know if u need information from us

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 2021-01-20 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
I am writing because I recently viewed my credit report and noticed inaccurate information. Rushmore loan management is showing a late payment status over 120 days late. This information is in accurate. I have never been late with Rushmore loan management and This debt was discharged in a bankruptcy that I filed XX/XX/XXXX and completed XX/XX/XXXX. Please see the attached discharge documentation that includes the debt being discharged back in XXXX. Since the bankruptcy I have not taken out any new loans with Rushmore therefore the late payment report in XXXX is inaccurate. I would like this information removed and this old account deleted from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
In XXXX I applied for a modification but was denied. The reason given by the lender was my income was insufficient. After I recovered from my hardship I applied for a modification in XXXX. I was denied. I received a letter from my lender saying that because I can afford to make my current payments they won't modify my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: FL

Complaint narrative:
On XX/XX/2017 I did a consumer credit transaction with XXXX by XXXX XXXX. The total amount of the transaction was for {$14000.00}. In XXXX of 2017 i received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ) ( d ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer reports. The credit card is my social security card and is what I used to originate this transaction. XXXX XXXX is in violation of 15 USC 1605 ( a ). I was charged an additional {$14000.00}. As per the installment loan agreement the only payment that should have been calculated was the finance charge of {$11000.00}. The finance charge is the sum of all charges. XXXX XXXX failed to process this transaction appropriately and is in violation of 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) and is required by law to pay twice the amount of the finance charge ( {$23000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: WA

Complaint narrative:
Experian shows a Mortgage Account XXXXXXXX XXXX XXXX as open and with a balance. Account paid off XXXX XX/XX/2020. Made dispute with Experian, said account remains open and correct. XXXX XXXX Shown on XXXX XXXX and XXXX as paid in full and account 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 explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: MA

Complaint narrative:
Good Afternoon ; I was actually shocked over the weekend to find a new medical collection from R.S. CLARK AND ASSOC ( Original Creditor Name XXXX XXXX XXXX XXXX ). I immediately contacted the company directly and spoke with your representative there and i gave her my full name, ssn, DOB ; and address - she said that she can not locate any file under my name. The strange part is that this account was reported on my credit over the weekend but it says that it was opened on 2019, and the comment stated that the consumer dispute, and it's under re-investigation. How is that even possible? I never called until today. Just the fact that this is on my credit is in violation of both state and federal consumer laws under the provisions of HIPPA, FCRA, FDCPA, etc and much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Card Acquisitions Group
State: CA

Complaint narrative:
On XX/XX/2021 I was called by a female associate who worked for a company named Foster And Monroe. She started off the call by saying she was looking for XXXX XXXX and I asked if I could confirm my social. 

I asked her was she attempting to obtain " location information '' as outlined in 15 USC 1692b. She stated yes and that she needed to read a statement that stating that this was an attempt to collect a debt and any information obtained can be used for that. 

I asked her was she stating or implying that I owed a debt. She stated, " Yes ''. 

This is where one of a few federal violations began. Pursuant to 15 USC 1692b states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; Violation # 1. 

I told her that I didn't owe any allege debt nor did I have any obligation to pay an alleged debt. I asked her how did she get my phone number and location information. 

She stated her client provided the information to them. Again, I never gave written consent for Foster and Monroe to contact me. 

Violation # 2 Pursuant to 15 U.S. Code 1692c I let the caller know that she was calling me on my cell phone as I was going into a meeting. The time of the call on XXXX XXXX  phone number was very inconvenient. 

Violation # 3 Pursuant to 15 U.S. Code 1692c ( 1 ) It was at this time that informed her that she was breaking and continuing to break multiple federal laws. I once again restated that I have no obligation to pay an allege debt. Additionally, I told her I would invoke my right to refuse to pay this allege debt. 

She told me that she would write it down that I was refusing to pay and that I should stop getting loans that I can't pay for. 

This was an insult to me and deemed obscene and abusive which is another violation pursuant to 15 U.S. Code 1692d. 

There were a minimum of 4 known violations on this call. I am invoking my right to receive my specified remedy and compensation for each violation of {$1000.00} per violation pursuant to 15 USC 1692K. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: MA

Complaint narrative:
Good Afternoon ; I was actually shocked over the weekend to find a new medical collection from Original Creditor Name XXXX XXXX. I immediately contacted the company directly and spoke with XXXX XXXX and i gave her my full name, ssn, DOB ; and address - she said that she can not locate any file under my name. The strange part is that this account was reported on my credit over the weekend but it says that it was opened on 2014, and the comment stated that the consumer dispute, and it's under re-investigation. How is that even possible? I never called until today. Just the fact that this is on my credit is in violation of both state and federal consumer laws under the provisions of HIPPA, FCRA, FDCPA, etc and much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Block, Inc.
State: TX

Complaint narrative:
After trying to send funds to my Church /Pastor I discovered that my account has been able to send funds " I was in violation of sending funds " I bank with the US government, Military.. What violation exactly!! Once I continued to look a little further I discovered that the Cash App to send and Transfer Funds had Been hacked! I immediately called customer support I found out that Cash App doesn't have live representatives take calls, so I sent customer support and email here 's what I got : From XXXX Thanks for reaching out but we dont currently monitor this email. For help and to contact Support, open your Cash App and : Tap the profile icon on your Cash App home screenSelect SupportNavigate to your issueNeed more help? Tap Contact Support If youve already contacted Support and are following up about an existing issue, please respond to the last email you received and include the Case ID ( located in the body of the email ). 

Thank you, Cash App Support ref : XXXX : ref This was the additional email that stated this : Hi XXXX, After a recent review of your transfer of funds, we detected the use of Cash App for activity in violation of Cash App 's Terms of Service. As a result, you will no longer be able to use Cash App to send or receive payments. 

We are also exercising our discretion under Sections 4 and 5 of the Cash App Terms of Service in the decision to block or reverse your transfer of funds. For security reasons, unfortunately we can not provide more details regarding our decision. 

Visit theCash App Terms of Servicefor more information.

Thank you, Cash Support To be able to block or reverse money 's sent to a customer without explain or provide any details about how this decision was made on an accout that was hacked!!! Is very concerning so in other words Cash App ' a are the thieves! Is this what I'm understanding.. Your keeping customers money under a section 4 or 5 clause that says what exactly? If your account is hacked then we still keep your money!! 

Please advise on the next steps I've also made it very clear I'm not going to hesitate to prosecute any Hacker ( s ) to the fullest extent of the United State of America Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX Showing Past Due on a closed account and getting notification for late payments. Past due balance on all 3 reports inaccurate XXXX {$66000.00} {$66000.00} XXXX How can I be late on a close account. REMOVE ACCOUT FROM REPORT. Date of last active on the account inaccurate XXXX, XXXX, Equifax-XX/XX/XXXX. Only lived at XXXXXXXX XXXX XXXXXXXX XXXX, OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX Showing Past Due on a closed account and getting notification for late payments. Past due balance on all 3 reports inaccurate XXXX {$66000.00} {$66000.00} . How can I be late on a close account. REMOVE ACCOUT FROM REPORT. Date of last active on the account inaccurate XXXX, ExperianXXXX, XXXX. Only lived at XXXXXXXX XXXX XXXX XXXX, OK 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 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Sunday, XX/XX/2021, I applied for XXXX XXXX XXXX through XXXX. The application was definitely submitted. There was absolutely a hard inquiry into my credit, but I received no correspondence, email or physical mail, from either XXXX or XXXX until today, Wednesday, XX/XX/XXXX. I received a letter in the mail that says that my request for financing was denied. The reason specified was " High risk source of application ''. I have no idea what this means. I called XXXX and they told me to call Transunion. Transunion told me to check my credit report and call XXXX. No one would provide me with an explanation and looking at my credit report did not explain anything. No one will give me answers. They just keep telling me to call the other company. I was never given a reference, account or application number. Never received any correspondence except for the letter of denial. I am concerned there may be something wrong. No one will tell me what " high risk source of application '' means.

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 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is in violation of 15 usc 1681a ( 2 ) ( B ) ( d ), 15 USC 1602 ( I ). 15 usc 1602 ( I ) mentions the term credit which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. The credit card is my social security card and what is used to originate the transactions listed on the attached file.

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 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management
State: TN

Complaint narrative:
Fox Collection Center, XXXX XXXX XXXX, XXXX, TN XXXX has reported a debt to our credit bureaus over a debt that they have never proven is ours despite our multiple requests. 

They initially only sent their statement saying we owed the debt, which is fine. But my wife, as law & their own statement allows for, emailed them on XX/XX/2021 requesting the actual bills or signed statements proving this is our debt. 

Fox Collection simply responded in an email response with yet another one of their own attached statements dated XX/XX/2021 about the amount owed. Again, this was not proof from the Creditor in question, but simply a statement from Fox Collection.

So we called Fox Collection and spoke to " XXXX '' on XX/XX/2021. Again, I explained that we have only received collection requests & warnings from Fox Collection Center but still NO PROOF of the debt itself in the form of statements or signed agreements from this supposed Creditor. " XXXX '' asserted that their statements ARE the proof and we will need to pay the debt based on their statement alone if we want it removed from our credit report. Of course, their assertions and statements do not constitute proof of the debt. 

We have asked them to either provide the proof or have the negative report removed from the Credit Bureaus. 

Thank you so much for your attention to this frustrating matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: SUN WEST MORTGAGE COMPANY, INC.
State: NV

Complaint narrative:
I currently have a mortgage account with Sun West Mortgage ... A couple of years ago I was out of the country and had some problems with transferring funds and speaking with Sun West Mortgage to make my payment. My payments are due by the XXXX of the month and for whatever reason I paid this account either on the XXXX or the XXXX of the same month. I absolutely do not believe I was 30 days late on this payment, but Sun West continues to report this payment as 30 days late. I have been disputing this late payment with the credit bureaus but have not been able to get them to remove it. I have tried calling Sun West several times but they have not really helped me resolve this issue. This late payment is really causing some challenges on my credit score and I would really appreciate having this inaccuracy removed.

Company response to consumer: Closed with explanation