vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
Cross Country Mortgage and I have been working for XXXX weeks to get to get my loss mitigation request processed. They keep asking for an HOA bill on a specific letter head. I have called the management company of the HOA multiple times and asked for different things they say they are unable to comply with. The mortgage company refuses what the HOA company IS able to provide me. Because of this I am unable to complete my loss mitigation ( forbearance ) request. The phone agent said to me there is nothing they can do as its required by Cross Country and they set the rules and refuse to put me in touch with the underwriter, XXXX. They say he doesnt have an email or phone number to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
in XXXX my cards were stolen. my Chase atm card and my capitalone cards. i reported my cards being stolen to teh financial institutions. XXXX did they investigation and found that the charges were indeed fraud so they refunded me and mail me new card. i feel like i was victimized twice chase did the same, refunded me but then again took teh money back stating that a pin was used. The individual that stole my card did 4 different transactions at different banking location and different times, one of the transactions was done at XXXX. the transaction that were done on XX/XX/XXXX i was out to dinner for my birthday which i have proof and faxed all the proof i had to Chase so they can see that it was not me that did those transaction. i also obtain a police report so they can review the cameras at the ATm location to show that it was not me. Chase refuse to view the camera and pay me back. {$720.00} withdrawal was done. Chase told me to take this outside of Chase for results. this is why am contacting you. I went to the branch several times sat with a banker, Chase ; s claim dept will not even try to review and reopen my case. the claim number with chase XXXX here are the transaction dates and times ATM time XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, {$200.00}, {$200.00} XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX please help me to get my hard earning money back. i work at a XXXX  and had to work OT to save this money. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TX

Complaint narrative:
I am confused why I do not receive any response from the letters I am sending to the bureaus. I recently discovered that they are shredding letters that they think came from credit repair services. This is unlawful, they are violating my consumer rights.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am confused why I do not receive any response from the letters I am sending to the bureaus. I recently discovered that they are shredding letters that they think came from credit repair services. This is unlawful, they are violating my consumer rights.

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 2022-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
My credit report states that I owe {$1500.00} to Paragon Revenue Group. I called Paragon Revenue Group and was told that this was the correct amount and was given my account number to make payments. When I enter my account number and attempt to make payments, the balance of all accounts totals {$2300.00}. I called XXXX in attempt to dispute the incorrect balance and was told the extra charges are from a balance that was previously paid and removed from my report, yet they are still attempting to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Billing statement was returned to Synchrony bank for no reason caused by me. I had always paid bill on time at Lowes in person. Synchrony stopped use of card due to lack of payment. Ispoke to representative and asked for another statement to be sent to my same address. I called them upon receipt and gave my bank information to have direct payment made. The rep for Synchrony said payment went through and was credited the amount of XXXX which was balance as of XXXX. The following month a received a statement for {$42.00} which I paid. Then i received a notice that my bank did not pay the XXXX. I called Synchrony and they said I only owed the XXXX. On XX/XX/XXXX I opened a correspondence stating that they had issued a credit to my account for the amount not paid supposedly. I went into local Lowes and was told I owed nothing per their records. They are not linked to Synchrony so they have no cross check to see what is on a card. On XX/XX/XXXX another correspondence from Synchrony stating that the XXXX cancelled check was never cashed by Synchrony so that is why it was not posted to my account... I went to XXXX which is my bank and got all information regarding my account and no where does it show Synchrony requesting these funds. Sychrony has reported this to credit bureaus which is bogus after all I've done to pay this.

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 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Ive submitted several disputes to the credit bureaus. And have not gotten a response

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXXXXXX XXXX, many small charges were being run through my Truist checking account and I suspected hacking. On XX/XX/2022, Truist put a debit hold on my account ending in XXXX and opened a new account ending in XXXX. I have a mortgage with XXXXXXXX XXXX that was paid on the XXXX every XXXX by auotpay. Because my account number with Truist changed, I made my XXXX, 2XXXX payment with XXXX manually using the Truist account ending in XXXX. The payment was processed by Truist on XX/XX/2022. Later in XXXX, I got a notice from XXXX that it was charging my account {$25.00}. I called XXXX and ask why I was charged XXXX XXXX.The representative said that I did not disable the autopay and another XXXXXXXX XXXX  payment was sent to the old Truist account ( XXXX ). I told her that my account was hacked and that my account number changed ( XXXX ). She said she could not waive the {$25.00} unless I got a letter from Truist that fraud was involved. The rep at Truist said they are prohibited from issuing fraud letters. XXXX sent the XXXXXXXX XXXX payment by autopay to account XXXX instead of XXXX, causing my XXXXXXXX XXXX payment to be late. When I received notice that the payment did not go through, I immediately paid it manually on XX/XX/2022.

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 2022-11-07 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: PA

Complaint narrative:
As of XX/XX/2022 my car loan was listed as a repossession on my credit. My car was never repossessed nor did XXXX XXXX XXXX XXXX attempt to repossess the vehicle. I filed a credit bureau review request with XXXX XXXX, to which I received a letter in the mail stating they were reporting information accurately. I ended up trading the car in. How can I trade in a car that was reposessed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
As of XX/XX/2022 my car loan was listed as a repossession on my credit. My car was never repossessed nor did XXXX XXXX XXXX XXXX attempt to repossess the vehicle. I filed a credit bureau review request with XXXX XXXX, to which I received a letter in the mail stating they were reporting information accurately. I ended up trading the car in. How can I trade in a car that was reposessed?

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 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2022, XXXX  XXXX XXXX abruptly switched my XXXX credit card accounts to Comenity Bank, with their parent company being Bread Financial. New cards were alleged to have been sent on that date. Today, XX/XX/2022, I have not received the original cards that were said to have been sent, nor the " replacement '' cards the bank promised were sent on XX/XX/2022. Instead, over 2 dozen phone calls, emails, tweets to Bread Financial and Comenity have been met with failed explanations, nasty rude behavior by their CS agents, claims of call backs that don't come or come and leave me stuck calling back the trunk line. Now, I've received a hard copy statement for one account to my home, and an email statement as well, but no cards. This is happening to many but I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I closed my credit card with Capital One more than two years ago. Last month Capital One reported to the credit bureau that I had outstanding, unpaid balance. After researching, I found out it was annual fee, interest and fees being charged for a closed account. I never received a bill By mail, nor any notice to my email or telephone. I noticed when I needed to purchase a car that my credit score went down from 800s to 600s. I called capital one and they stated that it was a mistake and that they would correct the negative report to the credit bureaus, in which they did not do it. My credit score is still in the low 600s. I need capital one to correct the mistake they make and take responsibility for their incompetence. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I received a letter dated XXXX XXXX fr0m XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Stating that my credit report has information for Cardmember Service credit cards that my interest rate was to be raised due to the : serious delinquency, not explaining what the delinquency is. That my ratio of credit limits is too high ( yet no late payments and I always pay much more than minimum and on time. Also that I had too many accounts ( again, paid on time and paid off! ) And the delinquency is unknown, XXXX has no idea! XXXX has for many years given these false, undated and unknown credit reporting and clean my files and continue to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2022 I noticed that the balance on my checking account had decreased by {$1600.00}. There was no obvious reason for these missing funds. I called my bank, PenFed Credit Union ( XXXX XXXX XXXX, XXXX, VA XXXX ) to inquire how it was possible that there was this discrepancy. They were not able to assist me at that time and advised me to call back on Monday, XX/XX/2022. 

I called PenFed Credit Union back on XX/XX/2022 and was immediately transferred to the XXXX XXXX XXXX ( FSO ) after talking to the customer service representative. 
The XXXX at XXXX instructed me that my missing money was on hold. The hold on my money was being done to cover a wire reversal from a wire done on XX/XX/2022. I asked how this was possible and they told me that the only remedy to lifting the hold was to contact the bank who initiated the reversal, XXXX Bank. 

I first contacted the person who sent me the wire on XX/XX/2022. He insisted he did not reverse the wire. He contacted his bank, XXXX Bank and asked them about the reversal. 
XXXX Bank ( XXXX XXXX, XXXX Corporate Security XXXX ) disclosed they were not the ones who initiated a hold on my funds. They sent me several emails confirming this fact. 
I next sent a copy of XXXX emails to XXXX. The only way to communicate with XXXX was by uploading scanned copies of the emails through their website. 

I called the next day to talk to PenFed XXXX  and confirm they had received the emails and ask when the hold would be lifted. The customer service representative I talked to refused to let me talk to anyone in the XXXX office. 
Now it is more than 9 days since the original hold was placed on my funds. I do not know why from PenFed and there is no time provided from them on when their investigation regarding the hold will be completed. 

I need my money to be release by PenFed immediately. I was supposed to use these funds to pay my rent this month. As of this date, I still dont have my money available and my account still shows that PenFed is holding {$1600.00}. Please help me by investigating these facts and implore PenFed to immediately release my money. 

I believe that PenFed has held my funds illegally. There must be a limit on how long they can hold funds pending an investigation. I am also asking for punitive damages against PenFed for their actions in this matter.

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 2022-11-07 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: TN

Complaint narrative:
Ive submitted several disputes to the credit bureaus. And have not gotten a response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: TN

Complaint narrative:
Ive submitted several disputes to the credit bureaus. And have not gotten a response

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 2022-11-07 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: MD

Complaint narrative:
I received my reinvestigation back from XXXX and Equifax regarding this account : XXXX XXXX ACCT # : XXXX. They stated everything was 100 % completed and updated as accurate. I would like to receive the description according to 15 USC 1681 ( i ) ( 7 ). Because this account is not accurate.

There are discrepancies in the date of last activity, date reported, date opened, closing date and the date of late made payment. I have included a screenshot of my most recent consumer report from SmartCredit.com comparing these inaccuracies as well as the most recent report directly from these bureaus. They did not modify or delete the information from my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022, I received a letter from BOA informing me that they've made decision to close my checking account. I tried to call their customer service at risk department and they gave me the answer with business reason. Then I went to branch at XXXX, the branch manager gave me some potential but not quite certain reason like : too many transactions has been made. The problem is that I only send the money through XXXX and XXXX for rent purpose and also the split dining bill with my friends. The other transactions include paying for merchant and service which all of them are legal business. 
I have proof and witnesses for every transaction I made. 

If it's because the reason provided by branch manager, then the action what they imply me for suspicious activity is a big humiliation, I will take legal action against this situation. 

I strongly believe my account was been closed with a huge mistake.

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 2022-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I have contacted this company directly and ask them to please validate the debt. They can not provide sign documents, Photo of ID, pictures from being at this hospital. I have also contact all 3 credit bureaus and Design solutions have provided them with false information. I also have a police report my wallet with my ID was stolen out my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: PA

Complaint narrative:
I am XXXX XXXX and I have sent multiple letters regarding unknown accounts in my report. It has been more than 30 days, but I did not receive any response or results. I am thinking that they are not attending to my concerns.

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 2022-11-07 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: PA

Complaint narrative:
I am XXXX XXXX and I have sent multiple letters regarding unknown accounts in my report. It has been more than 30 days, but I did not receive any response or results. I am thinking that they are not attending to my concerns.

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