vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Synergetic Communication Inc
State: OH

Complaint narrative:
Synergetic Communications Inc. ( SYNCOM ) and XXXX XXXX XXXX in the last few months have persistently threatened me in regards to a debt they claim is due in the amount of {$720.00}. When I contacted the original creditor XXXX XXXX they do not have any documentation of a debt owed and my account was closed in 2014. Also, XXXX XXXX sent me {$98.00} due to money remaining in my closed account back in 2014. The stated collectors are pursuing a false debt and beyond Ohio statue of limitations and violating FDCPA rights for harassment. Said parties stated that they will renew the statue of limitations and file a lawsuit if not paid within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out to TransUnion Consumer Relations several times about this matter and its been well over 90 days and I have yet to hear anything back from them. The last dated comply letter was XXXX. It is doin no good to keep reaching out to them as they don't comply with any regulation rules nor do they comply with their own rule and or company polices. I need help because this situation is destroying my credit worthiness and attacking my character.

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 2021-05-07 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: FL

Complaint narrative:
Transunion refuses to investigate my claims that I am a victim of identity theft even though I have a police report. They are in violation of the FCRA.

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 2021-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX XXXX chase bank decided that we were bad customers, after a 30+ year relationship. 

they then closed our personal and business accounts, and took 3 weeks to return our funds without a proper accounting included with the payments, leaving us stranded for understanding with NO AUDIT TRAIL to be available. 

This was with : XXXX XXXX and an inexperienced teller that she decided was more valuable than the clients. 

The teller kept demanding more documentation, to the point that the cartridge was passed 4 times to me during this sensitive period of NON CONTACT COVID RULES. 

They do not clean or disinfect the bank property properly. 

chase bank are arrogant monsters that deserve to be broken up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was refused a Bank account from Chase Bank located in XXXX, AZ without proper reasoning. Can we please find out why Chase Bank is denying me a Bank account. I've already checked with XXXX and they said there was nothing in my file holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TX

Complaint narrative:
I have reached out to Equifax several times about this matter and its been well over 90 days and I have yet to hear anything back from them. The last dated comply letter was XX/XX/2021. It is doin no good to keep reaching out to them as they don't comply with any regulation rules nor do they comply with their own rule and or company polices. I need help because this situation is destroying my credit worthiness and attacking my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I reached a settlement about 6 months ago to settle a credit card debt. The debt was over {$20000.00}, but we settles on {$12000.00}. I made five payments in a row of {$1000.00} and then on XX/XX/XXXX, I paid off the balance of {$7000.00}. I have requested now 7 days in a row for proof of payment/settlement and they will not send it to me. They keep saying that they have to wait for an auto generated letter. Their customer service team tells me that the money cleared on XXXX and they can see that the balance is {$0.00}, but they wont send me the statement and I am running into credit repair issues because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
House was in foreclosure in XXXX due to ex wife not paying mortgage. I had to contact congressman XXXX as Carrington Mortgage Services , LLC would not accept payments from me although I held the mortgage. Once the congressman helped me, I brought the mortgage current and never missed a payment until I was XXXX and forced to go on XXXX XXXX in XXXX for one year. During this period, I tried desperately to get Carrington to work with me in an effort to make lower payments, which would of been Loan Modifications. Carrington would not work with me in any capacity. I was awarded a Chapter XXXX case in XX/XX/XXXX. Since that time, I have complied with any and all request from my attorney, Carringtons attorneys, and the courts to resolve this situation. Carrington has continued to file for Motion to Continue status, requested the same paper work of financial status at least 6 times claiming it was lost or never received, missed deadlines by not responding to the bankruptcy courts, not shown up for court hearings, and in general, I believe going out of their way with these delay tactics. This is costing me unnecessary time, stress and money, and has now cost me my marriage. I want to stress that Carrington Mortgage Services , LLC, has been delaying an outcome since prior to the COVID pandemic. It is my wish that you can investigate Carrington, force them to bring this situation to a close by helping me get the loan modification that my attorney has presented. I dont want to lose my house, I have not walked away from my financial obligations, nor have I not complied with any and all requests. I hope and pray you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Paramount Capital Group, Inc.
State: CT

Complaint narrative:
I paid my loan off in full and they ask me for a {$30.00} fee. First they call it interest. I complained that there is no interest in the first year. Than they call it pay off fee. I complained there is no pay off fee. Now the call it late fee, because the claime I send the pay off check to late. The date for the mtl. fee ( was paied by my companie before ) the XXXX of the month, with a grace period of 10 days. I send the check on XXXX and I will pay the late fee ( witch is in the contract {$15.00} ) if they can proof to me that the check came in after the XXXX. This conversation I hat on Mon.XXXX. On Tue.XXXX, the check was cashed out of my account. Accourding to my bank, a check takes 3-4 business days to get cashed out of my account. So they must have hat the check before XXXX. There explanation : The XXXX was a Sun. and the Post Office is closed. The XXXX was a Sat. and we don't pick up mail on Sat. and you have to pay the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Late payments have been placed on my account. When it shouldnt have after a total loss in XX/XX/XXXX. I did a payment arrangement for {$100.00} a month. I guess the system was still doing {$320.00} a month. So therefore late payments was added to my credit report and it also took my score down. I called to talk to them about it but they refuse to take the late payment Off. Also I have seen the balance go up and down on this account also I also tried to bring that to their attention. The dates of the late payments on his account is XX/XX/XXXX XX/XX/XXXX and XXXX and XX/XX/XXXX. Im not sure if they have any other late payments because they have not updated the account since it looks like. This has also stopped me from getting in new vehicle after I had another total loss. XX/XX/XXXX the amount change from XXXX to XXXX and my score dropped.

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 2021-05-07 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: NY

Complaint narrative:
XXXX  XXXX  XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
{$3400.00} Balance updated XX/XX/2021 Please help. They are not trying to help me. Its not my credit card

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 2021-05-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: American Financial Network Inc.
State: FL

Complaint narrative:
I contacted my mortgage company, American Financial Network Inc. at the beginning of the month of XX/XX/XXXX. I made contact with American Financial Network Inc prior to my late payment date of XX/XX/XXXX in attempt to work with them on how to avoid a delinquent payment that month, due to hardship. I was transferred to several departments including the mortgage refinance department whom failed to provide me with assistance or information needed in order to avoid delinquency. Aside from several transferred calls, I was hung up on and put on hold for long wait periods. Eventually I was transferred to an outside collection agency that informed me that they could not help me because my payment was not yet late. The customer agent stated that I must be in delinquency in order for American Financial Network Inc. to provide mortgage modification options and that they could not proceed with a forbearance or any other type of loan modification over the phone. I was instructed to fill out a generic set of modification forms that did not apply to my circumstances. I was also advised that the loan modification was not guaranteed. Due to the fact that my husband and I are XXXX XXXX XXXX whom rely upon contract XXXX work and are at the mercy of the flailing economy, we contact our mortgage lender as soon as we foresee any loss of income that will enable us to pay our mortgage. We lost our home in XXXX due to being denied mortgage modification thus we are terrified of a repeat scenario and weary to participate in any mortgage modification that requires that we are in default or delinquency in order to qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I have car insurance with XXXX  threw an agent my insurance monthly is no more than XXXX dollars my policy term XX/XX/2020- XX/XX/2020 was cancelled - all unearned premium should have been adjusted and no balance should be owed on that account which is account number XXXX My insurance agent sent them a letter as the agent is brown agency phone XXXX - When u have a car if u dont pay the insurance they cut you off give u a 7-14 day grace to pay whats owed for the month and if u dont have insurance how are they billing me 800.00 plus dollars when my insurance was only XXXX a month - I owe nothing and I currently have an account with XXXX this debt is incorrect - I have tried to resolve please help me Caine & weiner saying I owe XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: NJ

Complaint narrative:
I have disputed the account with XXXX services on my credit report several times ( XX/XX/202 XX/XX/2020 ). I keep telling them it is a fraud, and have no business with that company. I do not know who they are. The information does not even match on the sites.This is hurting my score. 

I also contacted XX/XX/XXXXXX/XX/XXXXand they stated I have never been delinquent because I have been on deferment. 
There are several old accounts I asked to be removed, and they have not been. 

Please help 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 2021-05-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed the account with XXXX services on my credit report several times ( XX/XX/202, XX/XX/2020 ). I keep telling them it is a fraud, and have no business with that company. I do not know who they are. The information does not even match on the sites.This is hurting my score. 

I also contacted XXXX  XXXX  and they stated I have never been delinquent because I have been on deferment. 
There are several old accounts I asked to be removed, and they have not been. 

Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was trying to add an app to my TV the code didn't work so it gave me a phone number to call I called the number the guy had me search on my phone and app which gave him a location number that he took from me so he could access my phone he then told me to open the Capital One app so he can verify my address he then told me to go to the funds Transfer app on the bank called XXXX and put in {$980.00} I asked him why that amount he said he had to send it to the supervisor so he can get me a code back in that my account would not be charged so I did it and then he told me to do it again I did it again for a total of XXXX XXXX I immediately realized what I did and I called Capital One and filed two claims They denied both my claims explaining to me that they couldn't find any error

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is in response to a notice that I received from that the CFPB. I was informed that my complaint was deemed by your company as distrustful on my part due to you feel my report was not created by me. 

I feel that this is another direct attack on my character by your company. I'm not sure if theses attacks on my person are XXXX motivated or not ; but I do feel targeted by your company. First you report information on my credit report that is clearly false. Second when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally ignore me and don't respond. Third then you have the out right audacity to say that my complaint was not submitted by me in a attempt to get circumvent the rules set out by the FCRA. 
This is my 2nd and final attempt to get this matter resolved with out me seeking additional outside assistance. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

My 1st letter was sent to your company on XX/XX/21 via cert mail via the USPS. 

You have had more than 30 days to complete your investigation, and you have failed to respond with in that given amount of time. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I demand that all the accounts and information in question be deleted at once ; and send me a free copy of my credit reporting showing the changes have been made.

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 2021-05-07 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: TX

Complaint narrative:
This is in response to a notice that I received from that the CFPB. I was informed that my complaint was deemed by your company as distrustful on my part due to you feel my report was not created by me. 

I feel that this is another direct attack on my character by your company. I'm not sure if theses attacks on my person are XXXX  motivated or not ; but I do feel targeted by your company. First you report information on my credit report that is clearly false. Second when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally ignore me and don't respond. Third then you have the out right audacity to say that my complaint was not submitted by me in a attempt to get circumvent the rules set out by the FCRA. 

This is my 2nd and final attempt to get this matter resolved with out me seeking additional outside assistance. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX FTC as well as my States Attorney General. 

My 1st letter was sent to your company on XX/XX/21 via cert mail via the USPS. 

You have had more than 30 days to complete your investigation, and you have failed to respond with in that given amount of time. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

I demand that all the accounts and information in question be deleted at once ; and send me a free copy of my credit reporting showing the changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
I received a letter demanding payment for an electrical bill for an old address during a date that I did not live at that address. The amount is for XXXX. They did not send me any evidence of this bill in the past, which was dated at XX/XX/2016. False claim. This was not on my credit report either. Seems completely fictitious if valid. If valid, it is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LDF Holdings, LLC
State: OH

Complaint narrative:
National Small Loan charged me a payment that was outside of the agreed upon payment schedule. Payment of XXXX was suppose to be deducted on XX/XX/XXXX. The payment was processed on XX/XX/XXXX when funds for it were not in my account. I contacted them to dispute it and I am getting run around and no resolution. This unauthorized transaction overdrew my account and was un fixable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My TransUnion account shows a collection account for XXXX XXXX XXXX XXXX I contacted XXXX. The account was closed and charged off in 2013. I filed a dispute with TransUnion and the contacted the current owner of the collection, XXXX  and XXXX XXXX They verified the account as accurate but, they did not check into the charge off date and date of last payment. I have tried to contact XXXX and XXXX but they will not provide me with any information but continue to make harassing and threatening phone calls.

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 2021-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
There is a collection account on my XXXX and XXXX account from receivables performance. Original creditor was XXXX. Paid XXXX in the amount of {$590.00} and was told this would be removed from my credit report on all bureaus. It is still on both XXXX  and 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