vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC
State: CA

Complaint narrative:
The issue I am having is with my escrow account with this company. They are asking for an amount of money for my escrow account that I disagree. New Day USA Company is projecting a projected low balance of {$2.00}, XXXX requirement for my escrow account. The required minimum actual balance to be maintained is XXXX when you combine the two it totals a shortage amount of {$4000.00}. The projected amount of {$2300.00} to be put in my escrow account will increase my monthly payment to {$390.00} per month. I feel they are asking more than the Federal Law requires as a minimum balance cash reserve. I have attempted several times to speak to Supervisors, and was told no one could speak to me until the XXXX of XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX Account # XXXX Account # XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX, has verified that the account they are reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Social Security Number : XXXX Account # XXXX Account # XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXXXXXX XXXX, has verified that the account they are reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2022-09-19 00:00:00
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Me an my wife XXXX XXXX Purchased a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX XXXX XXXX Kentucky and it was Financed thur ally financially it take the dealership over 60 day to get them the payoff check to them XXXX XXXX sent them a payoff check and it was no good so they sent them a second one and take Ally over 60 day to get there money for the payoff from XXXX XXXXSo Ally reported us to credit Bureau that me and my wife was over 30day late on are payment so now it show we have XXXX late payments on are credit report and it was not are Fault it was the dealership fault.

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 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX and i have learned that American Express has taken illegal action against my credit card account. this constitutes an adverse action under the equal credit opportunity act. American Express has fraudulently closed my account without my expressed consent. By law these actions are unlawful due to the fact that they didn't have authority by law to take such action once a credit card ( social security account number ) is used to open the account in which one was used to open the account under the truth in lending act. This account is strictly for purposes of personal family and household use. American Express is preventing me from being able to provide for my family and is causing me substantial harm. These actions have cause me to seek credit counseling to prevent me from declaring bankruptcy. however, if credit counseling is not achieved. I will be forced to declare bankruptcy then American Express will not get any type of payment from me.

I am advising American Express to investigate a billing error for the full amount due to the fact, by law a credit card was used to open the account and there were absolutely not public credits used to credit the account which it should have already been credited from the start. because my credits were not applied properly due to unknown purposes i have determined that American Express is using my account in an unauthorized manner and is not allowing me to benefit from using my social security account that was designed to benefit the consumer. this is harming me and causing injury to my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: IL

Complaint narrative:
ON XX/XX/2022 AT XXXXXXXX XXXX. AN INVALID PASSCODE WAS GENERATED TO MY CHECKING ACCOUNT NOT INITIATED BY ME. I AM CONCERNED ABOUT THE SECURITY OF MY ACCOUNT, ENDING XXXX. 
THE CIT BANK A DIVISION OF FITST-CITIZENS BANK : XXXX XXXX. 

I called many times and was disconnected each time. Have sent message, no response yet. 

MAILING ADDRESS : CIT Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
On XX/XX/2022 Capital Accounts sent me a collection saying I owe them {$3000.00} with added interest of {$430.00} resulting in the amount of {$3400.00} I replied back via certified mail on XXXX2022 asking them to validate the debt that they are saying I owe & to cease any credit bureau reporting until debt is verified by me. They then send back a bill of service fees. On XX/XX/2022 I sent a 2nd debt validation letter stating that thats not enough to valid a debt saying I owe to please send evidence proof of the allege debt including specifically the alleged contract or another instrument bearing my signature. They didnt comply, sent the same bill of service also put the collection on my credit without me verify the debt and still adding interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
My information was used improperly. I did not give permission for these companies to use my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Mortgage loan servicer did not properly credit the payment that I made on XX/XX/2022 in the amount of {$1300.00}. This payment should have been credited to : XX/XX/2022 at {$670.00} & XX/XX/2022 at {$670.00} XX/XX/2022 I made a payment via XXXX XXXX for : XX/XX/2022 at XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: MD

Complaint narrative:
Upon purchasing a home a contracted on XX/XX/XXXX with XXXX XXXX XXXX to set up a home security monitoring system including installation of equipment and ongoing monitoring services. XXXX set a date to send a installation of equipment and on such date nobody showed up provided and install any of the required equipment. No notice was provided by Brinks about this no-show or intention to reschedule. A second attempt was made to reschedule and XXXX again failed to send someone to appear for installation. After this second failed attempt I called XXXX service hotline and spoke with a representative to notify them of 2 failed appearances and my request to cancel the Agreement. This was confirmed and affirmed by the customer service representative. I later received an invoice for the initial month of the Agreement even though equipment was never installed. In response I sent an email to XXXX on XX/XX/XXXX notifying them that I already canceled the service per the terms of the Agreement ( Section 3 of the Agreement allows customer to cancel within 90 days ). I also reaffirmed my decision to cancel in this email ( written within 8 days of the contract execution ). 

In XX/XX/XXXX I received a notice of collection by a debt collection agency seeking full payment and nearly 100 % charges in penalty related fees ( totaling {$530.00} ). I responded with documentation including the contract, explaining the failed service, highlighting contractual terms allowing for cancellation within 90 days, and providing evidence of my cancellation attempts. Since this reply, the collection agency ( McCarthy, Burgess & Wolff ) has persisted in pursuing collection while not providing any basis for the charges and responses to my questions as to the validity of such. I wish to no longer be harassed with collection efforts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I stayed at a XXXX XXXX XXXX for 2 nights. I had points and certificates for 2 nights free and would only be charged for incidentals, tax, parking. The person checking me in confirmed this. XXXX XXXX also confirmed this. When I checked out they charged my card correctly for the incidentals, tax, and parking for {$120.00}. Then, the next day, they charged me {$210.00} for a night 's stay. I have contacted the hotel about 8 times and can't get anyone to respond, and I have called XXXX and Chase. XXXX said I have to dispute the charge with Chase. Chase says they can't help me after spending XXXX minutes on line with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I thought I purchased a service to trade a time share for a vacation club membership. They asked for nthe transfer costs on XX/XX/XXXX. The first transaction was charged on my American Express Card amount of {$9000.00}. The second charge was {$1500.00} on my American express Card. In XXXX the local offices were closed and I was left holding the bag. XXXX was contacted and I was advised that the corporation that ran the charges on my card did not exist and they were nshut down by the attorney generals office and charged with fraud. This took place in early XXXX of XXXX. I had difficulty getting the old statements mailed to me. On XX/XX/XXXX, XXXX the case was filledand a letter outlining the events, as well as the attorney generals findings. Our case number is case XXXX XXXX. 0ver the ensuing months, we called AMEX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX. Each time there seemed to be a lot of uncertainty on their part as to what was happening and where their investigation stood. Each conversation was an hour or more and included promises of returning ncalls, which never happened. At one point ba card credit was posted on my account was posted and later rescinded and that just added to the overall confusion. AMEX never once alerted me about this company and I felt abandoned. I heve a long history with AMEX and have spent enormous amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
When I set up XXXX business accounts in person at a Bank of America ( BoA ) location, I was told that the accounts were linked and that in order to not be charged fees I needed to maintain a {$5000.00} balance between the linked accounts. Despite telling me this, BoA started charging me fees, so I called and spoke to a BoA rep on XX/XX/XXXX, and they waived the fees, and explained to me that I needed to keep a minimum of {$3000.00} in each account to waive the fees. I transferred {$3000.00} into each account to ensure the accounts would not get charged fees. I do not use the accounts so I did not check them until XX/XX/XXXX. When I checked them, I see that BoA has been charging me {$16.00} a month fee for each of the XXXX accounts ( {$32.00} a month total/ {$540.00} total across the XXXX accounts ). I have called BoA twice now to resolve the issue. The first time I was told that a supervisor would need to refund the fees and that a supervisor would call me back, but no one called me back. The second time, the agent hung up on me and did not bother to return my call. 

Attached are XXXX notices from BoA that emailed me to discuss the fees on the account. They note that I need to maintain a {$3000.00} daily balance to avoid the fees, which I did, but they still charged them to me. I have not received any other notices of fee changes from BoA. I have checked their " online communication center '' for the accounts on their website, as well as my email and mail. It is illegal for BoA to charge me fees when I did what they told me to waive the fees. It is criminal that I have to continue to waste my time calling BoA to get these fees back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19 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: NY

Complaint narrative:
I called Equifax to have my report corrected as they have recently experienced a credit breach in which they are unable to verify who was affected by the breach. They are in direct violation of 15 usc 1681 A 3, and 4. I am not making a dispute. I am demanding me report is cleared of all derogatory/negative information and or items. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Hello. Thank you for your assistance with this matter. 

I signed up for the Venmo Credit card, which offers an introduction promo of double rewards for the first year. Over that it should go back to its regular reward program which is : 3 % cash back on the top spending category, 2 % on the second category, and 1 % on all other purchases ( so for the 1st year 6 %, 4 %, 2 % cash back respectively ). Venmo/ synchronycredit has not been upholding the contract with the rewards. Not only have I not been getting the promised double rewards, but I'm not even getting there regular rewards. I have spend {$300.00} with them thus far and only gotten back {$34.00}, or 1.1 % back.

They do not show customers how the rewards are calculated, instead they assure that all rewards will be calculated by them to make things easier on the customer. Unfortunately, they calculate the rewards incorrectly. By not showing the data they are intentionally make it very difficult for the customer to check their rewards, as well as obscure their shady and illegal business practices. 

I have called, emailed and messaged them about this issue repeatedly, they have verified that I should be receiving the 6 %, 4 %, 2 % rewards but I am not. They have said that they will fix the issue and send me my rewards balance, but have taken no action. 

I never received a physical copy of our card agreement, so I have asked for them to send me physical or emailed copy of our contract; to which they said that that was impossible. Pretty sure they are in violation of some laws by refusing to send my contract.

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 2022-09-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a Consumer that is protected by the laws of the FDCPA, and attached you will find servers Violations from the following Credit Agency and I would like to resolve these issues. 
VIOLATIONS from EXPERIAN, XXXX & XXXX see attached ;

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 2022-09-19 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: AL

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

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