vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I ordered an outfit from XXXX XXXX using my Paypal account on XX/XX/21. I paid for overnight delivery as I needed the outfit for XXXX XXXX weekend. I received an email on the next day indicating the package was delivered. I got the attached email stating it was delivered ; however, nothing was at my door. In fact, the email did not include the apartment number, but the original order confirmation email does. So, who knows what apt got the package. Paypal denied my claim twice. This is not fair! Even the XXXX site do not even have the exact address so, how can they prove that I received it? I pay my bill in full every month so I don't need to lie about {$60.00}! XXXX XXXX refused to refund as well.

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 2021-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I have had no communication with this collector. I received a notification via XXXX XXXX that there was a new collection on my account. I disputed and reported the account to CFPB. This company is engaging in shaddy collection practices. This is the second time they have place this debt on my credit report but have not provide verification.

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I dated Mr. XXXX for approx. 1 year before I called it quits because of the XXXX. He was so XXXX. I gave him permission to use my XXXX XXXX XXXX XXXX for gas only. He's the only one with access to my card number and someone has drained my XXXXXXXX XXXX account. I got paid over {$1200.00} yesterday, spent {$450.00} on a weekly hotel room to get away from him and now I have {$120.00} in my account. It is my understanding that Mr. XXXX is now dating XXXX XXXX, who has been harassing me for years. I have filed 5 police reports with the City of XXXX since 2011 because of the verbal XXXX XXXX I had been receiving from her. I am now very scared because when I went to check my credit report with all three of the Credit Reporting Agencies, my EQUIFAX account information has been changed. The security questions indicated that I had an auto loan, student loans and a XXXX account in my name. I have never EVER had any of these products or services. My car was fully paid for the day I saw it. I don't use credit, except I ordered a {$250.00} secured credit card to go to my address in order to boost my sucky credit because of the FRAUD. I can't even get into my Federal Student Loan ( FAFSA ) account now, because the security questions have been changed. 
I believe if you research the bank account theft ( track back where the orders are being delivered ), the account information that does NOT apply to me on the Federal Application for Student Aid, and the address and contact information on the Auto Loan, HOME EQUITY LOAN and also for the XXXX Account, you will find that this was a conspiracy between XXXX, XXXX and Mr. XXXX to defraud me and thieve my identity. Please contact me anytime for further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: AZ

Complaint narrative:
I sent information to Equifax for dispute of inaccurate information that Equifax is reporting on my credit profile on XX/XX/21 and it has yet to be resolved. The results still remain as " under investigation '' The conformation for this dispute is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
BSI Financial has not paid my city taxes -- the money is sitting in escrow. I was not aware, obviously, until I received notice from my city tax office that a lien has been placed against my home. I have made two calls and gotten zero action. I can't get in touch with anyone with any authority to address the matter. This organization is apparently horrible -- one star ratings and a class action lawsuit. My loan was sold to them so I had no say in the matter ... that I'm aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Back on XX/XX/XXXX I was closing a refi with quicken loans. On the XXXX of XXXX I called my broker to have him explain fees. I was prepared to move or cancel the closing. I was told that XXXX would be paid to the insurance company for the XXXX policy year. 
I just found out they never Paid it, I called and XXXX XXXX opened an investigation and even though he heard the phone call where my mortgage broker old me he was paying the insurance he said that was put in " I pay before closing column '' and he could not pay it, so basically they stole XXXX from me if I knew it was my cost I would have backed out of the loan and when with a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Southwest Credit Systems continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Southwest Credit Systems reported this entry to my reports on XX/XX/2020, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Southwest Credit Systems. To that end, I sent a letter to Southwest Credit Systems ( see attached ). None of my letters have been returned or undeliverable ; therefore, I know the company received my certified letters. To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. After numerous attempts seeking validation from Southwest Credit System, only to be ignored and/or proving they are unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. It is obvious that Southwest Credit Systems is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately. It has been long overdue for them to respond and they've not ; therefore, delete this entry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to get a new credit card and a mortgage loan. Every time any lender tries to get my information from Equifax it gives them a frozen or information unavailable notice. No one other than me logging into a Equifax account I created can get the credit score/report. This is causing me huge headaches and issues in my life. I cant view it on a free credit report, XXXXXXXX XXXX  hasn't updated since XXXX, and no lender has been able to get anything since XXXX. I have tried to resolve with Equifax at least 10 times and either get told everything is fine or that it must be the lenders fault. I have been ignored hung up on and overlooked. I have confirmed that nothing is frozen on my end. Overall i just need people to be able to access my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days I have not received a response yet. I feel like I'm being taken advantage of and being ignored with my disputes. Section 611 [ a ], it plainly states that the failure to investigate these days within 30 days gives a reason to immediately remove these items from my credit report it has been over 45 days today so they should be the immediately deleted. I demand these accounts be deleted or I will file litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and maybe got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute to XX/XX/XXXX, XX/XX/XXXX, and Equifax on XXXX.It 's been over 45 days and I have yet to hear back from then. Both XX/XX/XXXX and Equifax are in violation due to not responding back in time. I'm highly demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I walked into a jewelry store named XXXX in XXXX XXXX XXXX, XXXX. On that day, I purchased four 14-karat solid gold chains from the retailer. The salesman indicated that the jewelry was 14-karat solid gold and also wrote it in print on my receipt. I used my XXXX card ending in # XXXX to purchase the 4, 14-karat solid gold chains for a sale price of {$6500.00}. XX/XX/XXXX I found out that none of the 4 chains were gold. Since XX/XX/XXXX I have been in contacting my card card Capital One regarding my dispute. Capital One did a poor job disputing my case. I was informed by a Capital One employee that they have NOT been in contact with the jewelry store just with the bank. And I have yet to receive all this so called information the merchant is sending that Capital One feels is valid to close my case. I was promised 14kt solid gold for {$6500.00} and I did not receive my promise goods. I was clearly scammed and I have more than enough proof to prove these chains are not gold. Also the statement from the merchant 's bank stating I was sold other items makes no sense. They are lying I have the receipt showing the four items I was sold. I do not understand how my credit card Capital One which I've had since XXXX and Visa don't see the problem. I was sold fake gold, period. I have all the proof and also I was scammed and lost {$6500.00}. The reply from Capital One dated XX/XX/XXXX makes absolutely no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc
State: GA

Complaint narrative:
On or around the XXXX of XXXX, I don't remember the date exactly, a weight loss pill no one ordered or asked for showed up at our house. We threw it all away and forgot about it. I did notice two charges on my account on XX/XX/XXXX for around {$7.00} a piece, ( one forXX/XX/XXXXand another for XX/XX/XXXX, example attached ) but they looked like in-app purchases my kids might have made so I disregarded them. 

On the XXXX of XXXX, we received a notification from XXXX that a transaction of {$110.00} had been made on my account by XXXX. I didn't recognize the charge so we declined it, XXXX turned my card off, and we went ahead and had my card canceled and a new one issued, assuming fraud. 

On XX/XX/XXXX, XXXX, and XXXX, I received six emails, two each day, indicating that there was an attempt to chare {$110.00} to my credit card and the issuer declined those transactions. All links on the emails lead to XXXX sites and other than an address in XXXX, there is no contact information on any of these emails XXXX example attached ). 

On XX/XX/21, a company calling itself " XXXX XXXXXX/XX/XXXX indicated they were calling to collect a debt of {$240.00} from me for the aforementioned weight loss pill product. I told the organization that they were not to contact me and I would be levying a complaint with the CFPB. The individual hung up on me without providing a mailing address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TN

Complaint narrative:
A Discover Bank # XXXX in the amount {$7600.00} reflects on my credit report that is fraudulent. I never obtained credit from Discover nor have I applied for credit with this company. I have contacted Discover and XX/XX/XXXX about this matter and they have continued to give me the same frivolous response by continuing to report false information. I've provide them with all the proper information to resolve and to correct this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NewRez ( a debt collector and who handles my mortgage payments ) received two payments on XX/XX/XXXX ( from a closed bank account - I will call XXXX XXXX for {$1100.00} and one on XX/XX/XXXX ( from a new bank account - I will call Bank B XXXX also for {$1100.00}. This was 2 weeks early for a XX/XX/XXXX due date. XXXX account was closed and had a XXXX balance, so the money came back as NSF by NewRez ( which is a XXXX error for not properly closing my account on XX/XX/XXXX in person, as I requested ). XXXX then accidently requested back {$1100.00} from XXXX. XXXX sent the money to XXXX that I had sent to them from Bank B. XXXX now shows a balance of {$1100.00} ( again which should have been closed with a XXXX balance ). 

NewRez knows which financial intuition they are receiving money from. If XXXX requested monies, they can not send monies from Bank B to XXXX. This is fraudulent. 

This has caused a snowball effect or errors, having no monies now for my XXXX payment to NewRez ( from Bank B ). They then applied {$1100.00} XXXX payment ( from Bank B ) to XXXX, {$1100.00} XXXX payment ( from Bank B ) to XXXX. I finally caught it in late XXXX. XXXX has admitted they made several mistakes and a letter stating their mistakes was submitted to Newrez on XX/XX/XXXX. 

I submitted to NewRez several copies of XXXX statements, a XXXX letter, Bank B statement, and an email stating all facts to NewRez. 

I have been to XXXX to correct issues in person and made more than six phone calls to discuss this situation. 

I asked that NewRez reverse all improper late fees and NSF fees that total {$100.00}. I also ask them to reverse the late payment/missed payment that was sent to all credit agencies. This XX/XX/XXXX payment was actually several weeks early ( paid on XX/XX/XXXX ), not late. They have not excepted any responsibility for fraudulently transferring my money to an account it didn't come from. A proper fine should be applied for an improper handling and fraudulent transfer of funds. 

I ask that XXXX also pay me some type of restitution for the hours and hours of work and time I have invested in a problem that was fraudulent and avoidable on their part. They need to cover the NSF fees and late fees that were accessed by NewRez. 
They also need to contact all credit bureaus to ensure this does not effect my credit with any credit reporting agency with improper late payments and missed payments. 

NewRez refuses to reverse any improper charges. And they refused to correct a " late '' payment ( s ) that was reported to all credit agencies. 

XXXX is waiting for NewRez to fix everything. They also have said they cannnot even call NewRez due to privacy laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I currently have a home mortgage loan with the company Mr. Cooper. We recently went through a mortgage modification under CARES due to the COVID19 pandemic. We completed our mortgage modification in XX/XX/2021, and resumed payments in XXXX ofXX/XX/XXXX. We made a payment on Mr. Coopers website in XXXX which was due XX/XX/XXXX with a grace period up until XX/XX/XXXX. Our payment came out, but due to an error a duplicate payment was completed. I had to contact my financial institution XXXXXX/XX/XXXX to have one of the payments reversed, which went through. 

I was told by Mr. Cooper to do this, however this caused an issue with my Mr. Cooper account and they blocked me from making any further payments using my bank account which they failed to notify me. 

My spouse setup an auto payment for XXXXXX/XX/XXXX payment, however it did not go through and Mr. Cooper showed me as a late payment. I attempted to make multiple payments through both Mr. Coopers website and on the phone, but they were unable to process it on XX/XX/XXXX. I was eventually able to speak with someone and they explained the bank account was blocked and the issue was fixed. A payment was made XX/XX/XXXX, however it was reversed again. 

I attempted to make another payment as of this report, and it has still failed to process and no one from Mr. Cooper can give me an answer to this. Mr. Cooper has said if the payment has failed to be posted by XXXX XXXX, it will be reported against my credit. 

I've also been charged numerous fees for payment reversals, late fees, etc ... when I am trying to get the payment completed. I was told these fees would be waived, but they still show up on my account. 

This has been an absolute nightmare, and there are funds in the account I am attempting to pay with, more over I have contacted XX/XX/XXXXand they said there are absolutely no issues on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I previously submitted a compliant under case # XXXX. Ally did not address the concerns in my letter in the reply they submitted to the the CFPB : 1. The reply did not explain why the charge-off on the account was reported as of XX/XX/XXXX for over a year, and why it was changed to XX/XX/XXXX, after my dispute was filed in XXXX of XXXX. 
2. The response states the date of first delinquency reported to the credit bureau was XX/XX/XXXX, and claims that the change made, did not affect how long the information was to remain on my credit ; however, the information that I submitted, shows that the account was listed to remain on my credit file until XX/XX/XXXX prior to the update Ally made to the credit bureau, and afterward, it shows that it remains on my credit report until XXXX of XXXX ( see attachments originally submitted and included again herein XXXX. 
3. Additionally, the payment history included in the reply shows the account was dispositioned from the primary system of record on XX/XX/XXXX, which means the date submitted to the credit bureau is incorrect. 
4. Finally, the payment history shows that this amount was owing as of XX/XX/XXXX after the lease maturity occurred on XX/XX/XXXX ; therefore, the last day of payment should actually be XX/XX/XXXX. Ally needs to correct this error in reporting of the details of this account.

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 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Bank froze my accounts i signed all required documents AT THE BANK WITH THE MANAGER,,, they continue to send requests for each account ... I received 26 letters in one week ... .My manager doesn't know what the problem is and he can't get answers

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