vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I placed an order for a dining table, a breakfast table and 4 chairs for {$1500.00} ( XXXX including tax ). I initially was told that the shipping would cost from XXXX to XXXX dollars by the manufacturer. But later, they came back with a shipping price of more that XXXX dollars which was way above my budget, leaving me no choice but to find a different shipping company on XXXX The shipping company gave me a quote of {$680.00} and took charge of the items from the manufacturer ( or so the manufacturer claims ). At this point they started holding the items XXXX and asking for more money ( XXXXXXXX XXXX ). I reached out to XXXX to resolve this and talked to someone named XXXX XXXX from customer service. They basically refused to help. 
I tried to resolve this with the shipper multiple times by asking them to adhere to the agreed upon price. However, they wanted to keep items so they can sell themselves and make more money. They resorted to threats and profanities. 
On XXXX, i applied for a refund from XXXX. They have not reached out to me for additional information but have been in contact with the manufacturer and shipper. 
I have not received ANYTHING from the manufacturer or shipper. 
I am owed the full amount of my receipt. 
The receipt, contract, invoice is attached to this letter as requested. Per the policy I have applied for a refund via XXXX website, but have not received anything. 
Here is the policy details from XXXX website : Your actual payment will be fully covered If the quality of the products does not match the standards set in your contract or the supplier did not ship the goods on time, you will be eligible for a refund within 30 days of delivery. 
Regarding the circumstances surrounding the merchants failure : The manufacturer/ shipper are trying to defraud customer by making them pay for furniture and trying to also sell the furniture by themselves. The merchant XXXX is enabling this behaviour by turning a blind eye. 
Order number : XXXX cancellation case number : XXXX ( rejected by XXXX ) I opened this dispute with my bank of america credit card and provided them all the evidence. Despite that, they charged me the full amount of the transaction saying that i received the goods which i didn't.The goods were delivered to new jersey based on the documentation provided by merchant whereas i live in texas.

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 2022-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: ME

Complaint narrative:
I was called, and stated the person they were looking for was unavailable. They refused to state the reason for the call and a recorded line disclosure. Afterward the caller asked to repeat the number to call back which I stated I did not write down nor would I, she then began to yell at me using profanity in telling me I was a horrible person.

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 2022-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Sunlight Financial LLC
State: NC

Complaint narrative:
To whom it may concern, On XX/XX/2022 we signed a contract with XXXX XXXX XXXX XXXX and Sunlight Financial to install a new roof and solar with battery back up on our home. It has taken till XXXX XXXX to have the system installed and running and still not sure it is working properly due to the workmanship of XXXX XXXX. We were promised a reimbursement by XXXX XXXX for the months not operational and a rebate for {$4900.00}. Also we were promised a warranty. Now XXXX XXXX has closed their doors and are filing for bankruptcy and I am suppose to pay on a loan with Sunlight Financial for equipment that is not fully serviceable and no warranty with no recourse. Sunlight Financial has also put a lien on my home even though I have been making timely payments of {$410.00} a month for equipment that is inoperable. The loan is for {$69000.00}. I was pressured into this loan by the salesperson saying I would save {$12000.00} if I took a loan. I did not receive any savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I received a letter in the mail from a company called The Law Offices of Mitchell D. Bluhm & Associates , LLC. The letter is dated XXXX XXXX and describes a debt that is attempting to be collected from dates of service XXXX and XXXX with a company named XXXX XXXX at XXXX XXXX in XXXX, AZ. I am a very financially responsible and organized individual who pays any bills owed as soon as possible and have incredible credit history with no overdue bills in my life. I never received a bill from XXXX XXXX back in XXXX  and this is the first that I am hearing about this outstanding debt. I spoke with a woman at The Law Offices of Mitchell D. Bluhm & Associates , LLC this morning ( XXXX ) and she told me that I can dispute the claim if I'd like ( for the amount of {$210.00} ), but that my credit will still be hit on XXXX regardless. Her solution was to file a police report if I don't believe that the debt was mine. I next called XXXX XXXX 's billing department and spoke with a woman there the same morning ( XXXX ) and she stated that I have no outstanding balance with them and that it shows that everything was paid in full by my insurance from those dates. She mentioned that they use another company for their imaging and that I should try getting in touch with XXXX XXXX to see why they sent me to collections without ever sending me a bill. I tried contacting XXXX Partners on XXXX and after several minutes of the phone ringing, my call was disconnected. I researched both XXXX XXXX and the Law Offices of Mitchell D. Bluhm & Associates , LLC, and I read several XXXX reviews and complaints with the XXXX  which state very similar situations to mine. It seems many people have received notices from this debt collection company for dates of service from over 2 years ago and had not received any notices of outstanding bills prior to hearing from the collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 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: GA

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX  acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX  acct no. XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: GA

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt 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 2022-10-12 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: Flagstar Bank, N.A.
State: TX

Complaint narrative:
XXXX XXXX, XXXX payments are showing on the following on my credit report. 
XXXX XXXX XXXX 3 missed payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Flagstar Bank 3 missed payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Child Support Enforcement 22 missed payments : XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX In accordance with the fair reporting act, this creditor has violated my rights under 15usc 1681section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. 

thank you 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 explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I used PayPal Credit to fund several purchases. On XX/XX/XXXX, I made a complete payment on my balance, {$570.00}. PayPal took the full amount out of my account, than a day later, charged me the full amount again. This overdrew my account, I called my bank, and the charge was reversed. Than, just yesterday, PayPal charged me the full amount again. I called them, they agreed it was a mistake, and said they'd send it as a check in the mail. I have bills I need to pay NOW, and my account is overdrawn. My rent check just bounced because of this, and now I'm at risk of homelessness. This is unacceptable, and I'm freaking out.

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 2022-10-12 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My cat was hospitalized at a vet. I was charged for an XXXX that I did not authorize. The provider is lying, saying I gave verbal authorization, but I did not. in addition, during my last conversation with the doctor, he suggested the next diagnostic tool would be an ultrasound. They would not give me my cat back until I paid and would not provide me an invoice until I paid first, therefore I did not see the charge. ive tried to dispute this charge several times with care credit unsuccessfully. I have the initial estimate that I signed, which does not include an ultrasound. The provider stated I agreed to miscellaneous charges, which I was told would be for medicine, not an ultrasound. A ultrasound would be listed separately as a diagnostic tool. This contradicts them saying I verbally agreed. Had I verbally agreed they wouldnt need to ask since I already authorized miscellaneous charges only for medication. Furthermore, the miscellaneous charge amount was {$300.00}. The amount I am disputing is {$490.00}. So even if I had agreed the amount was more than I agreed to. When I initially brought this up to the provider, I was told by the nurse that the ultrasound had not been performed and they would adjust my bill accordingly. Later on I spoke to someone else and they said that the ultrasound had been performed but they didnt know where the results were. After that, they changed the story again saying I verbally authorized it, and a doctor spoke to me about the results. Again thats never occurred. Carecredit said they will no longer dispute the charge. Please assist me with this matter. As you can see from the estimate I agreed to, no ultrasound was listed. Each diagnostic test was listed separately. I appreciate your assistance. 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 2022-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NC

Complaint narrative:
After reviewing my credit reports I noticed that it was an account from ENHANCED RECOVERY CO L reporting negative on my report. I reached out to Enhanced Recovery Company , LLC along with their CEO XXXX XXXX and XXXX XXXX XXXX on multiple occasions to get more clarification on the unknow debt, plus to figure out how they are furnishing negative remarks on my credit report without even sending me any type of written notice. 
My attempts have seem to fall on deaf ears without any proof of verification of this debt or that they followed all laws and regulations to report the account in the first place. So I am placing this complaint with your organization with the hopes that they will finally respond with the valid proof that I owe them anything and they have the legal right to be reporting this negative information on my credit report. 
The location communications were sent is XXXX XXXX XXXX XXXX, FL XXXX. I also disputed it with the credit reporting agencies, and it seems like the odds are stacked against me because a company can say verified without any real legal proof and the credit reporting agencies just take the companies word for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have reached out to Capital One Bank Many times to tell them they have opened a fraudulent credit card account on my credit profile and they have done nothing to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The lender, servicer, trustee is violating my homeowner bill of rights and dual tracking my home. 


I applied for Pandemic Forbearance Plan online at www.mrcooper.com on XX/XX/XXXX and was Immediately approved for XXXX XXXX XXXX. 

I have also submitted a Mortgage Assistance Application and as of this writing it is listed as received and deemed complete and is now in underwriting phase. 

I checked the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The lender, Servicer and Trustee are dual tracking my home and violating laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received an alert from all three credit bureau stating that i had a debt with XXXX XXXX  XXXX apartment complex, i have no acknowledgement of this debt, I have never applied or been with this company. Transworld system Inc is collecting for this company. I spoke with them concerning this matter and when they went to verify me the birthday was not the same and also the address they had on file is not mine, that is not my birthday but they used my SS. the full debt is XXXX 
They moved in XX/XX/2021 and moved out XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
We did a covid relief package during the months of covid with Planet Home Lending. They sent us papers but never contacted us at the end of the term. We were then sent invoices saying we were in foreclosure because we owed {$23000.00} in back payments during that period. Never given a chance to do a repayment and it was added to the end of the loan..just immediately got served foreclosure court papers. I assumed a VA loan had more leway. Now we called and did all the paperwork and forms to do a loan modification but the amount was ridiculously high for our 3 monthly payments and we weren't even asked what we could afford or given any options to add the covid amounts to the end of our loan and continue to pay the mortgage. We want to stay in our hoke and restart paying our original loan amount. Planet Home Lending isn't a honest company and has many complaints on the XXXX  site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We notified on Friday, XX/XX/22, that there were questionable charges on our debit card. We informed Truist Bank that we suspected fraud using our company debit card. On Friday, XX/XX/22, I disputed with the bank regarding various transactions that took place over three months ( XXXX, XXXX, and XXXX ). When notified, we canceled that debit card and filed the complaint. On Monday, XX/XX/22, I called to follow up on the complaint and was informed that our complaint was denied. I filed a police report on Wednesday, XX/XX/22, then contacted merchants. One of the most significant merchants ( Cash 1 ) I reached out to did a review on their end and confirmed that it was fraudulent activity with my card. They provided me with something in writing, and I supplied that email to the bank, and they are still denying our claim. We have been scammed out of {$17000.00} plus, and we have done extensive leg work to prove that we did not authorize any of the transactions.

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 2022-10-12 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted the three credit bureau about an account on my report. Its been over 30 days and I still havent heard anything back from the company nor the three credit bureaus

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I contacted the three credit bureau about an account on my report. Its been over 30 days and I still havent heard anything back from the company nor the three credit bureaus

Company response to consumer: Closed with explanation