vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a dispute at my bank Chase for a transaction I made for the amount of {$550.00} but turned out the recipient is a fraud. Chase denied me protection automatically and did not even investigate my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Please see all attachments : my legal rights under the Consumer Practices Act & Fair Credit Billing Act was violated. Out of good faith, I explained they can keep the {$1100.00} that was out of pocket for the labor, but I'm not paying full service for something I didn't ask for.

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 2020-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
XXXX sent my XXXX bill to debt collection even though I was paying on time and was on a payment plan. They admitted it was their fault because of a computer transfer when they merged with XXXX XXXX XXXX XXXX. I have since contacted the original creditor and paid the bill in full. The bill collector, Wakefield & associates, continues to call even though I called them to dispute the validity of the debt on XX/XX/20 as soon as I revised the first letter as per their instructions. I have since received calls on XX/XX/20 and XX/XX/20 requesting I pay the debt that is already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I launched my initial dispute with my Credit Card Company TD CARD SERVICES and VISA on XX/XX/XXXX for a transaction that executed on XX/XX/XXXX after fighting with the merchant for a number of months. I have since been in contact with my credit card dispute team on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without resolution. I provided them via fax documentation, receipts and correspondence from the merchant agreeing that the charges should be refunded and resolved. My dispute was closed due to " time frames '' and lack of " record/documents '' that were requested to certify my claim. I have made well over 15+ attempts to work with my credit card company for assistance to resolve the issues with my merchant on my behalf and have received no resolution. I have spent as much time haggling with TD CARD SERVICES/VISA as I have with the merchant in question. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-23 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: CBC Companies, Inc.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. O n XX/XX/2020, FACTUAL DATA add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: GA

Complaint narrative:
We signed with this company to refinance our VA Home Loan for a lower rate. They baited us with a {$100.00} Visa Gift Card in the beginning. The loan officer has been gracious, professional and efficient but the behind the scenes is another issue. The procrastination regarding closing this loan has been unbelievable!!! We should have closed by mid-XXXX. We have done all that we were requested to do including paying out of pocket for next years Homeowners Insurance policy because the XXXX XXXX, who has the original mortgage, did not pay the insurance policy by the due date and we believe it is because we were refinancing. 

To this date, no closing. Procrastination!!! Stalling!!! We have read that this company does not close deals in a timely manner unfortunately after we consented. 
Treating Veterans in this manner is unacceptable and this company should not be serving veterans if they can't deliver while advertising in a bait and switch manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
second time disputing this account this month because XXXX clearly doesn't know the law, this account is not even close to being accurate to the original creditors. debt collector account say I owe {$200.00} and the original creditor say I owe {$550.00} this my dozen time disputing this account, XXXX  & XXXX  BOTH REMOVED THIS ACCOUNT BECAUSE THEY SEE IT HAS A HUGE VIOLATION. Please view the highlighted areas Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SinglePoint GI
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NV

Complaint narrative:
I received a letter from American Coradius International , Inc. for an amount owing XX/XX/XXXX of {$60.00}. I contactedXX/XX/XXXX because I would have no reason to owe them any money and they indicated it was a fraud or scam letter and to disregard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verificatio n. On XX/XX/2020, BMO HARRIS BK N A add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX for an amount owing paypal of {$60.00}. I contacted pay pal because I would have no reason to owe them any money and they indicated it was a fraud or scam letter and to disregard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 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: NY

Complaint narrative:
This is my third CFPB complaint filed against Equifax about this matter. Equifax HAS NOT provided to me documentation from XXXX XXXX XXXX  # XXXX. It has been over 30 days since Equifax promised me these documents through the CFPB. Personally, I have not been able to get documents from XXXX XXXX, despite my MANY requests and can not understand how this account continues to report on Equifax 's file for me. Certified letters to XXXX XXXX attached. This inaccurate reporting is affecting my ability to obtain employment and housing during these horrible times. I am begging for help. I have spent over 8 months and several hundred dollars communicating with Equifax and XXXX XXXX XXXX. I am begging for Equifax to begin following the FCRA and remove this inaccurate reporting. The next option is for me to file a lawsuit against Equifax, should this not be resolved. Attached is the latest CFPB complaint response from Equifax stating that they are getting documents to verify account. Certified letters sent to XXXX XXXX and Equifax. XXXX XXXX DOES NOT have loan documents regarding this account, so this tradeline must be removed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX XXXX from XXXX XXXX XXXX called on XX/XX/XXXX at XXXXXXXX XXXX  and XX/XX/XXXX at XXXX XXXX. I asked several times if he could send me my running balance with complete payment history and several times he said he didn't have it or couldn't provide one. I called Ally Financial the original debt collector and they weren't able to provide a running balance with payment history either. On both phone calls, XXXX said I would get charged more fees and interest, even though my credit report said it has been Charged off since XX/XX/XXXX. I feel like XXXX wasn't forthcoming or honest it took us going back and forth before he could send a partial history. It was not fair and it is my right to get this information since I'm questioning the balance due. I felt like it was hard enough to pay down my balance but then to be told that if I don't handle the balance right then, that I would be charged additional fees and interest is very disheartening and mentioned that I could also be sued for the balance.

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 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX of 2020, I was informed by a former roommate that she had received multiple calls from BANK OF AMERICA looking for me and looking to talk to me. The caller proceeded to leave a voice message stating that they were calling for me stating my full name and requesting for me to call them back. 

I believe this unauthorized called by BANK OF AMERICA to my former roommate of over 5 years ago is a complete violation of my privacy and my consumer rights. This former roommate has NO association to me nowadays and we are not even acquaintances anymore. 

Why would BANK OF AMERICA make this unauthorized phone call to bother a person that is completely unrelated to me and who has no relation or contact with me at all. How did BANK OF AMERICA obtained this information of a person that I lived with many years ago even prior of me having any business association with BANK OF AMERICA. 

Again, this is a violation of my rights. I DO NOT CONSENT TO ANYMORE CALLS EITHER TO MY PERSONAL PHONE, WORK PHONE OR DISTANT, FORMER ACQUAINTANCES, FAMILY OR FRIENDS OF MINE BY BANK OF AMERICA. 

I request for BANK OF AMERICA TO CEASE AND DESIST OF ANY UNAUTHORIZED PHONE CONTACT TO ALL MENTIONED ABOVE.

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 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Emailed the loan representative, her manager, and manager 's manager about the unauthorized credit pull on XX/XX/22. Emailed them twice, and called once and left a message. No response from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: AZ

Complaint narrative:
Hello, I am writing this message in order to inform you that I found out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is highly detrimental to my credit rating. I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In 2015, I cosigned on an auto loan for my adult daughter who lives at a different residence than I do. The payments were made through autopay. The lender, Santander automatically withdrew money each month from my daughters account. Not surprisingly, the last payment was a slightly different amount. 

Santander did not auto draft the very last payment ( I have no idea why ). They did not inform me or my daughter that they were not taking the last payment. My daughter assumed it had been done. 

I was unaware there was a problem until I received notice that my credit had be severely impacted. My daughter contacted Santander and made the last payment. I have never missed a payment and have never had my credit downgraded. We solved the problem as soon as we were made aware but Santander did not notify us of the problem. Santander refuses to recognize their mistake and correct my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I currently have a mortgage loan with the Huntington National Bank. Back in XX/XX/2020 due to salary reduction related to Covid-19 I entered into the temporary 3-months forbearance period, when I was permitted not to make payments on my loan for XXXX, XXXX, and XX/XX/2020, resuming regular mortgage payments in XX/XX/2020. 

Unfortunately, Huntington Bank has severely delayed processing of my paperwork, not reflecting any of the payments I made since XX/XX/2020 on my mortgage statement, and displaying completely incorrect balance due, interest, and payoff amounts even at the end of XX/XX/2020. This prevents me from finalizing my mortgage refinancing process with another lender, who needs accurate information from Huntington. 

I have been preparing to refinance for over a year, and in anticipation of a large cash-out amount last year I borrowed {$50000.00} from an elderly relative, who ( as I later found out ) depleted her entire retirement savings account to lend me the money. If I don't refinance, not only I won't be able to leverage the opportunity to get better financial terms for my loan, but my elderly relative will be left bankrupt as I will not be able to repay her retirement savings in lump sum as agreed. 

Huntington Bank 's reckless several months delay of updating my records is a direct violation of the contract between me and the Huntington Bank, which clearly describes the terms of forbearance and clearly states that once the period ends my information will be updated to reflect accurate state of things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: AZ

Complaint narrative:
Hello, I am writing this message in order to inform you that I found out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is highly detrimental to my credit rating. I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hello, I am writing this message in order to inform you that I found out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is highly detrimental to my credit rating. I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I discovered inquiries on my credit and XXXX XXXX report that aren't mine. I never applied for alot of information being reported, as well as, I never had a XXXX XXXX XXXX bank account. So much is inaccurate on my reports that I don't have the slightest clue on how to get all of this off. Clarity Services shows up alot on my reports and I don't who they are either.

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 2020-12-23 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: IA

Complaint narrative:
I disputed some inaccuracies on my customer report and Equifax refused to investigate the matter per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I thought I was in a program to stop payments during pandemic. Start later when Im not unemployed due to Covid. Im at high rush due to XXXX and XXXX XXXX for two parents with XXXX and a XXXX. I thought payments would go in the back of my loan not in a foreclosure process.

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 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: PA

Complaint narrative:
AR resources INC XXXX $ XX/XX/2019, this company has called me numerous of times at an inconvenience of timing for me attempting to collect a debt that i do not owe, based off of 15 us code 1692g this company has not provided me with the 5 parts that constitute validating a debt! This company has contacted numerous of times at an inconvenience and troubling times and based off of 15 US code 1692 ( c ) a1 this is a violation, this company has also violated! Also 15 us code 1681a ( 2 ) ( b ) 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 a consumer credit report. This company has reported that i owe a debt to the three major credit bureaus, i am asking that this be resolved with an immediate removal and letter sent to each bureau requesting removal, or i will send an invoice which states each violation and i will pursue legal action

Company response to consumer: Closed with explanation