vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-28 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: CA

Complaint narrative:
In XX/XX/XXXX my account consumer credit card was closed by XXXX XXXX, and it was charged off in XX/XX/XXXX. In XX/XX/XXXX it was sold to XXXX XXXX XXXX XXXX, and in XX/XX/XXXX the account with XXXX XXXX XXXX XXXX was settled in full. As of today XXXX continues to report the account as a charged off collection account, and there is no indication that it was sold to XXXX XXXX XXXX. 
The account status does not state it has been sold rather it states that it is charge off collection. I have submitted several disputes since XXXX  disputing the incorrect reporting ; however, XXXX continues to validate the information as correct reporting.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX my account consumer credit card was closed by XXXX Bank, and it was charged off in XX/XX/XXXX. In XX/XX/XXXX it was sold to XXXX XXXX XXXX XXXX, and in XX/XX/XXXX the account with XXXX XXXX XXXX XXXX was settled in full. As of today XXXX continues to report the account as a charged off collection account, and there is no indication that it was sold to XXXX XXXX XXXX. 
The account status does not state it has been sold rather it states that it is charge off collection. I have submitted several disputes since XXXX disputing the incorrect reporting ; however, XXXX continues to validate the information as correct reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XX/XX/XXXX my account consumer credit card was closed by Barclays Bank, and it was charged off in XX/XX/XXXX. In XX/XX/XXXX it was sold to XXXX XXXX XXXX XXXX, and in XX/XX/XXXX the account with XXXX XXXX XXXX XXXX was settled in full. As of today Barclays continues to report the account as a charged off collection account, and there is no indication that it was sold to XXXX XXXX XXXX. 
The account status does not state it has been sold rather it states that it is charge off collection. I have submitted several disputes since XXXX disputing the incorrect reporting ; however, Barclays continues to validate the information as correct reporting.

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 2021-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, I deposited a Treasury Check to my new Citibank account that I had opened online. A few days later I received an email from Citibank stating that due to my having violated the account terms, my account was being closed. I found out that my debit card and online access to my account had also been terminated. When I phoned Citibank to determine why, I was told that my check was not valid and that the issuer had been contacted to verify this. When I contacted the issuer, they were surprised and verified that the check was valid. I went back to Citibank, who told me that a duplicate check had been cashed prior to XX/XX/XXXX. Again, the issuer said that no such check had been cashed, and that my check had been cashed on XX/XX/XXXX. Citibank refused to give me any more information. I went to the branch and was told that they could not help. The phone support at Citibank then told me that I had to wait two more weeks until they determined whether the check was valid. At this point, it was XXXX. There was a lot more back and forth, and waiting on hold for literally hours, by me and also with the troubleshooter from the issuer. Finally, I went into the branch and the manager was able to get someone from Citibank, on the phone with the issuer also, to admit that this had been human error and should never had been done. I was told that the check would be mailed, but it would take 3 weeks. A few days later, the bank manager said that my account would be re-opened and the funds deposited, but he called back a few days later to say this was not possible and that he had been advised not to handle the issue any further. He referred me to a different Citibank department, the XXXX ' department. I have not heard from them. To date, I have still not received a check. On XX/XX/XXXX, it will have been 60 days.

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 2021-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I contacted Holloway Credit Solutions in XX/XX/2021 requesting a verification of debt regarding an alleged debt in the amount of {$5500.00} they have reported to my credit report. I received correspondence by mail from Holloway Credit Solutions dated XX/XX/2021 in response to my request of verification. I do realize that some financial information must be shared with companies regarding debt, however debt collection agencies are not allowed to send me copies of my personal health information, the health entity can only do this. Due to this being a medical bill, Holloway Credit 's proper protocol was to have the medical entity send me my personal health information for verification purposes. Holloway Credit, as a debt collection agency is not allowed to DIRECTLY send me any transactions regarding the type of XXXX XXXX I may have had performed. This information would have to come directly from the facility or physician that provided the service ( s ). Holloway Credit sent me a copy of my personal medical information and this is a violation of HIPAA laws. This means that my information has been viewed by people that I do not want to see my health information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: WI

Complaint narrative:
XXXX XXXX clearly states they ordered TRANSUNION to REMOVE all comments INCLUDING " and dispute investigation completed, consum ; CLOSED '' and TRANSUNION has not adhered nor respected this. Surprisingly XXXX made the correct updates, but TRANSUNION has not executed these changes. I demand TRANSUNION take the proof I am submitting AGAIN & REMOVE ALL COMMENTS AND STOP ADDING NEW ONES : " and dispute investigation completed, consum ; CLOSED '' The only thing this account should say are the ORIGINAL COMMENTS : CLOSED PER CONSUMER. IDK why XXXX XXXX or any of these credit bureaus put notes on an account I NEVER disputed and that has been archived for years. These people just like to make people 's lives XXXX & disrupt their livelihood.

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 2021-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I respectfully request CFPB enforce ethical protocol for Capital One reward me the {$200.00} cashback credit card that I opened on XX/XX/2021. Capital One letter of XX/XX/2021 stated multiple incorrect statements. 
XXXX. Upon me applying for the XXXX XXXX  credit card there was no disclosure information provided to me. 
b. No one contacted me from Capital One by phone on the credit card change. 
c. I did not give authorization for the credit card change by Capital One. 
d, I had excellent credit card rating when I applied for the XXXX card that met the XXXX card requirement. 
e. I had an unused GM/CapitalOne credit card that no longer has XXXX XXXX as a sponsor for points rewards plus, Capital One kept taking away points regularly from the account. This card was not used for about 7 years. So I applied for a Capital One XXXX XXXX card. 
f. I have known of other Capital One customers that had several Capital One credit cards and they have the cash back cards too. I feel discriminated. Capital One needs to provide a customer list with all of the cards that a customer holds to CFPB. 
g. Capital One letter had no contact name. How do you respond to an ongoing complaint instead starting over with a new contact at Capital One? 
h. I feel Capital One did not read my letter for the details so they just replied with a standard form letter. 

I don't ask CFPB for legal action, I ask CFPB to enforce ethical and professional standards. I'm sure other Capital One customers have faced the same issue. 

Please have Capital One send my {$200.00} cash back to me. No more games. Treat customers with respect and like they want them as customers. 

Thank you CFPB XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I've filed multiple disputes with my credit card company ( XXXX and Goldman Sachs ) about an item I did not receive that was purchased online from XXXX on XX/XX/2021 in the amount of {$90.00}. I've provided them with all supporting documents ( email from UPS showing tracking number that was provided was not to me, and any communication to try and talk to the seller on XXXX, went unresolved because they never answered, and also because they are no longer a registered seller. I have proved that I did not receive the item, and they have gone ahead and charged me for the item anyway. I've been contacting them since the transaction in XXXX, and have opened multiple disputes, and have been unsuccessful in having a credit applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
AmSher Collection Services Inc, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX sent me a letter for an alleged debt owed by me on XX/XX/2021 in the amount of {$200.00}. 

I sent a request of verification of debt to AmSher Collection Services , Inc on XX/XX/2021 via certified mail. ( Tracking # XXXX XXXX XXXX XXXX XXXX ). The company failed to respond to my verification letter, I did not receive any correspondence by mail to verify the debt as I requested on XXXX. AmSher proceeded to still add the alleged collection owed to my credit report, without sending verification to me, which is a violation of the FCRA. This has impacted my credit report which was in good standing and caused problems with me rebuilding my credit score. This was an unlawful and careless tactic on AmSher.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Since XX/XX/2020 Freedom Mortgage has refused my Loss Modification mortgage package even though I am well qualified for a Loss Modification with an increase in both my wifes and my income. I have been denied 20 times due to missing documents that have been looked over by 3 people my attorney, mediator, and myself. We are all in shock on how Freedom mortgage continues to ask for more uncompleted documents that they claim have not been submitted or making any excuse to not complete the revciew. My attorney believes they are purposely trying to stall the process and deny the approval just to deny it based on no evidence that we are not qualified. 


Company of complaint : Freedom Mortgage Email address : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
There are two transfers done XX/XX/XXXX both were XXXX. I have filed a dispute, it got dented, then I was told wait 90 days and it will automatically be placed back into your account. And the whole time I have not got any cooperation from the company call or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was alerted by XXXX XXXX that a PayPal /sync credit card was opened in my name ( using a previous last name ) I did not open this account. I called the company and they told me it was a previous last name and a different address but wouldn't tell me that information. They did close the account but it has dropped my credit score XXXX  points! I disputed with XXXX and XXXX and both sent me emails saying that the account had been verified!!!!! Ugh! Obviously someone has my info and I don't know how to fight this. Today I received another notice but the name of the new card is not listed on my credit report yet. I am terrified they are opening any account they can? 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 non-monetary relief
Consumer complaint received 2021-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JOHN GIBSON AUTO SALES, INC.
State: MO

Complaint narrative:
Hi, the consumer went in back in XX/XX/2020 for a consumer credit transaction with John Gibson Auto Sales. I went in going for a car and left with a debt. I was directed to pay a down payment of 2200 $ in cash and I had a deferred down payment of 500 $ to pay as well in a later date. On top of that my amount financed would be XXXX XXXX This was a violation of my consumer rights pursuant to 15 USC 1605 " the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges '' This was also a violation of consumer rights pursuant to 15 USC 1605 " the finance charge does not include charges of type payable in a comparable cash transaction. They also violated my consumer rights pursuant to 12 CFR 1026.2 ( 18 ) " A deferred portion of a downpayment may be treated as part of the downpayment if it is payable not later than the due date of the second otherwise regularly scheduled payment and is NOT subjected to a finance charge. 

I have also have yet to receive any direction on how to receive any notice in regards to my right to recession. This is a violation of my consume rights pursuant to 15 USC 1635 ( a ) " the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and recession forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later. The creditor should also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was involved in a XXXX scam involving a rental property, with the scammer posing as the owner of the house, XXXX XXXX. XXXX XXXX is a real person and did actually own the house until recently. {$8000.00} was scammed from me. The first payment was XX/XX/2021 for {$2000.00}. The second payment was XX/XX/2021 for {$1500.00} then another on the same day for {$500.00}. Payment XXXX was XX/XX/2021 for {$2000.00} and the final payment XX/XX/2021 for {$2000.00}. I filed a claim with Bank of America, XX/XX/2021 and with the FBI, XX/XX/2021. Bank of America rejected the claim for the scam on XXXX XXXX XXXX XXXX citing " Our records indicated that we completed the transfers according you provided us, and therefore no error occurred. '' I believe I am protected under Regulation E, part of the Electronic Fund Transfer Act, that requires banks to refund consumers for fraudulent transactions on their accounts. The Consumer Financial Protection Bureau saying the law applies " if a 3rd party fraudulently induced a consumer into sharing account access information ''

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 2021-11-28 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: FL

Complaint narrative:
Hello my name is XXXX XXXX and on XX/XX/2021 I submitted a letter to the credit bureaus requesting that they verify some unrecognized inquiries listed on my credit report. According to law the bureaus have 30 days to investigate and if they do not investigate the items are to be removed from my credit report. As you can see I have been waiting for the investigation results for OVER 2 months. I ask for your assistance in encouraging the bureaus to abide by the laws.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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:
XXXX XXXX is an account on my Equifax credit report. The account is closed, and paid off. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I received a letter saying I didnt have wind insurance on my house. I called the number on the letter and spoke with a representative of the company, who investigated my current insurance and assured me that I indeed did have wind insurance. She said it was probably an oversight and they would fix it. Yesterday I received another letter saying my payment was going up because I didnt have wind insurance when they know I do!!!

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 2021-11-28 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: DE

Complaint narrative:
I pulled up my credit report and found a charge that isn't mine. I filed a dispute with Equifax. They found it to be real - even though it is not. They haven't provided any documentation for these charges. The company that is claiming the debt will also not respond. I would like to speak with a person. I would like proof that I signed up for this item. Neither of these companies seem to be willing to speak with consumers. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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:
XXXX XXXX is an account on my experian credit report. Account is closed, and paid off. Please remove this account from my experian 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