vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 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: Frontline Asset Strategies, LLC
State: TX

Complaint narrative:
I requested a debt verification from Frontline Asset Strategies ( FAST ), LLC, within the verification documents they sent me, they included someone else 's personal ( name and address ) and account information ; I do not trust this company with holding my personal information and I feel violated due to this data breach. 

Frontline Asset Strategies ( FAST ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
I have new and updated information regarding complaint number XXXX. Dunlap Gardiner refuse to provide any of the requested documentation to evidence the existence of the debt that theyre alleging. Their refusal of this information is proof that such information is nonexistent, this alleged obligation is unlawful, and their admission to guilt. Dunlap Gardiner and its clients continued attempt to collect this unlawful debt without proof is harassment and not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Complaint is specific to monthly service fee on my Chase Bank checking account for $ XXXX. 

I reviewed statements as far back as XX/XX/2016 and have received a {$25.00} fee each month. Doing the math, XXXX XXXX XXXX {$25.00} = {$2100.00} that Chase has just been taking from me with no notification. 

I have never received anything in writing with an explanation of why I am receiving this fee. I have never received an email or an alert on my chase app. 

When I called to discuss I was advised they would refund one month and would log the formal complaint. I inquired if I would receive any acknowledgement of the complaint or resolution and was advised that I would not. This seemed insufficient to me, which is why I am filing this CFPB complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I called Chase Bank to do a promotional balance transfer from my XXXX XXXX  going to a Chase credit card. The Original rep took my XXXX card # and told me the transfer from XXXX to my Chase card would take btw XXXX days. I just checked my new card and the transfer amount of {$5000.00} has posted to my new card. 

The problem is my XXXX XXXX  still shows {$5000.00} and no pending transactions to withdraw that money. 

I called Chase Bank about this and was told the original rep typed the wrong account #. I now have {$5000.00} posted on both Chase & XXXX. I spoked with the XXXX today and told her my billing period for XXXX ends early in XXXX and I don't want to be charged 2x. The XXXX @ Chase said it can take up to 30 days to post. I told her I don't want to be charged 2x for {$5000.00} because the Original rep didn't type my account correctly. She told me she can not remove the {$5000.00} from Chase. All I want done is to have the {$5000.00} removed from my XXXX XXXX before XX/XX/XXXX. I should not have to pay {$10000.00} on interest/fees when it should only be for {$5000.00}. Please investigate ... .This is not right ......

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
Recently I noticed that when I travel international ( XXXX ) to be more specific I noticed whenever I use my US Bank Debit Card I have been charged both an ATM fee, a transaction fee and an international transaction fee. On XX/XX/2023 I made a purchase XXXX XXXX  XXXX XXXX  in XXXX @ a total cost of {$7900.00} and I was charged a processing fee of {$230.00} there are many other processing fees that has been charged to my account in different amount from {$3.00} and up. I was not informed about these charges so I think that the bank should reverse these processing fees.

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 2023-06-16 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Improper use of consumer report and violation of consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Since my loan was transferred to Freedom Mortgage, I have been receiving statements that say I pay {$0.00} per month toward my mortgage. I have never missed a payment. I have called 4 times to have accurate statements sent. They continue to send me inaccurate statements that stat I pay XXXX each month.

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 2023-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: OH

Complaint narrative:
I have VA Insurance coverage, the bill was sent to my previous insurance company. Which then denied coverage. In XXXX I had provided all my new insurance information to XXXX XXXX XXXX XXXX XXXX XXXX I was told to disregard this bill. Since the VA pays all my bills, I should not have a balance. I have called to provide this information again to billing at XXXX XXXX XXXX XXXX, I was told they would take care of it. This Paragon Revenue Group has wrongfully billed me. I would like to have this debt removed from my account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We paid our mortgage through ACH. Mortgage payments have been deducted every month on the first business day after the first of the month. PHH reversed the XXXX and XXXX payments on our account and IMMEDIATELY transferred the loan to XXXX. XXXX, upon receiving the loan, thinks we are two months behind on our payments because PHH reversed the payments and put the money in the escrow account. PHH then created a statement for XXXX that indicates we did not pay our XXXX or XXXX mortgage payments, and XXXX also believes we are 90 days behind on our mortgage because PHH FRAUDULENTLY REVERSED OUR PAYMENTS. We did not receive the money back in our account. 

When we have tried to contact either PHH or XXXX, we get " your call will be escalated '' but NOTHING IS HAPPENING. It is unconscionable that PHH can reverse the application of our funds to our loan ( which, it turns out, are sitting in our new escrow account at XXXX ). It is similarly unconscionable that XXXX can not, when presented with evidence of our payments ( which have been provided, including PHH 's statements reflecting our payments PHH 's FRAUDULENT REVERSAL OF THE PAYMENTS and our bank account statements which show the payments deducted from our accounts ) stop the erroneous mail saying that we are in DEFAULT on our loan WHEN THEY HAVE THE MONEY IN OUR ESCROW ACCOUNT THAT EXACTLY MATCHES THE TWO PAYMENTS THEY SAY WE ARE MISSING. No investigation on XXXX 's part appears to account for the mental stress caused by this situation. They insist that they have 15 days to resolve the matter, EVEN THOUGH IT IS OBVIOUS AND THEIR REP SAID IT WAS CLEARLY IN THE ESCROW ACCOUNT. 

We have had mortgages for 20 years. They transfer regularly and we have NEVER been behind on our mortgage. We have NEVER had this happen before and can only attribute it to PHH 's incompetence and FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal Dear Mam/Sir already provided the needed documents and info but still my account is still limited its states there that my account should be back to normal. plsss fix this. its till limited after submitting needed documents. i have XXXX XXXX in 3 days i need the money. plsss lift the limitations in my account and let me withdraw. if i dont get the money i cant have XXXX my condition and XXXX will worsen. it is stated in the attach picture that i complied and passed the necessary documentation and info and my account should be back to normal. but it is still limited and unable to withdraw. i was a victim of an algorithm that permanently blocked me from using paypal. i was falsely accused but i cant stress enough that i did nothing wrong. and paypal executive said so that they can explain on why my account was limited specifically. plsss help me. i need the XXXX for XXXX XXXX XXXX XXXX XXXX its an XXXX XXXX so i really need my funds withdrew. 

paypal : XXXX Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nexus Nova LLC
State: NC

Complaint narrative:
On XXXX. XXXX, 2023 Rosegate Mortgage , LLC ran my credit via a third party company by the name of XXXX XXXX XXXX XXXX with out consent. I was in the process of getting prequalified for a mortgage and sent my tax documents and before you know it without any communication at all a hard pull was done on my husband and I credit this was alarming and caught us off guard as we experienced our identity being compromised. Aside from the fact that this disrupted other things we had going on we simply wished we would of been ASKED. The representative XXXX XXXX seemed frustrated with me not accepting the fact that she didnt follow standard protocol and even then I wanted to fix things but she actually contacted my realtor to let him know we will not be working together anymore. Just POOR accountability and business. I was contacted by another representative by the name of XXXX who took accountability on her behalf and ensured me they'd be working to remove said inquiry, but I haven't heard back and this is now affected my home loan and car refi.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Bright Capital Inc
State: VA

Complaint narrative:
Company Name : XXXX XXXX XXXX : They engage in deceptive business practices regarding membership fees and lines of credit. I engaged with this business for the purpose of obtaining credit building services and a line of credit. I was not offered the line of credit. I was instead offered a credit builder program advertised to cost {$8.00} a month. I paid {$10.00} for a first instalment for a credit builder loan which was to have 5 total instalments. I was anticipating monthly charges of {$8.00} for the membership and {$10.00} for the credit builder loan. 

10 days later they auto debited my account for {$99.00} which is a full year of membership. This was not disclosed properly nor did I authorise any charges for {$99.00}. Contact with the company is primarily through email. They claimed to have refunded {$90.00} and that would be in my account within 4 business days. It has now been over two weeks and I still have not received a refund of any amount.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: ME

Complaint narrative:
In XX/XX/2020 I purchased a vehicle after barely reaching a XXXX credit score for the first time in my life. The loan company, credit Acceptance Corp., said the payments I could afford but that was the farthest from the truth. When they put in the papers to sue me I answered with the fact I knew that gave me a loan I couldn't afford and as an admission of guilt in my eyes automatically offered me 80 % off. They have been sued all over thus country for doing exactly what I claim they did at the time. Even if I could pay it off the damage there done to my credit may never be fixable

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 2023-06-16 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: MN

Complaint narrative:
Charged off debt from check that was not mine deposited online someone hack into acct

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 2023-06-16 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Charged off debt from check that was not mine deposited online someone hack into acct

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: MN

Complaint narrative:
Charged off debt from check that was not mine deposited online someone hack into acct

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 2023-06-16 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: NJ

Complaint narrative:
Hi Sir/Madam, I have bought a new car ( XXXX Venue 2023 ) in XX/XX/2023 and financed it with " XXXX XXXX XXXX XXXX XXXX When I went and check my Trans Union credit report, it is showing that I have financed it with " XXXXXXXX XXXX XXXX ''. 

This issue is present only with Trans union credit report. XXXX and XXXX showing the correct data. 

I have tried contacting Trans union Credit bureau multiple times but no luck. 

So that is why raising complain over here to fix my Trans union credit report. 

I am attaching my latest Trans union credit report as well as latest Auto loan statement from XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
They call me sometimes XXXX  times a day from various numbers. When I call them back a voicemail from another company comes up, such as XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. I owed a small debt to XXXX XXXX XXXX  that closed in XXXX and now that has been removed from the credit bureau but XXXX XXXX  shows up with an opening date of XXXX. I have asked them to stop calling, disputed the dates on my credit report, blocked numerous numbers, but they continue to call me multiple times every day. I've researched them and it seems they are habitual offenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Dispute start on : XXXX XXXX XXXX EDT but have not had a response on this issue. I have been told someone at Synchrony would get back to me within 7 to 10 business days multiple times. No response as of yet. I have followed up multiple times. 

Issue stems from not receiving billing statements over the past 9 months on paper or electronically. Online statements are not available and have raised this as a concern. I agreed to terms to have electronic statements but those statements are not available online.

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 2023-06-16 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I requested a loan modification and Selene Finance kept on denying my loan. For the Nth time i submitted my loan modification application, They added the escrow which made my payment raised to {$5300.00}. In XXXX they raised it again to {$6400.00} which they claimed that they added a cushion amounting to {$1100.00}. I also applied for a refinance with another lending company. We submitted a 'Pay-off request on XX/XX/23. The pay-off according to them will take 3-5 business days. I called on XX/XX/23, XX/XX/23 and just earlier I called to follow-up. The lady XXXX of Selene Finance gave me the XXXX XXXX phone number which is XXXX. I called that number and spoke to XXXX. XXXX confirmed to me that there was no modification, or any negotiation forwarded to them. She also told me that there was no 'Pay-off ' requested at all even in the prior week or months. They clearly are not do anything to do negotiation, they lied to this Bureau and they lied to me.XXXX  's direct line is XXXX ext XXXX. You can confirm to her that there was nothing done on my case.

Company response to consumer: Closed with explanation