vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I recently reported to Chase Bank that I was scammed regarding two transfers. First of all, chase 's online claim customer service is very difficult to contact. I spoke to 3 or 4 customer representative to file one of my claim, but the wire transfer one took more than a week to get respond for just file a claim .Every time the reply from the chase is forwarded to another department but not the correct department for me to deal with. Every customer service is very irresponsible and says that they can't follow up. Second, the last one just said that the other party 's bank refused to return the funds and just perfunct me. This is a big scam Regarding XXXX  has huge loopholes and easier and accept fake platform transfer money. I transferred two times of money to XXXX. Without permission, The theft hack to the account and transferred the money to the fake platform called ava trade. XXXX XXXX XXXX XXXXXXXX I feel that Chase Bank treated my experience very unfairly and irresponsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: OR

Complaint narrative:
I opened a complaint with CFPB XXXX Chime bank has not provided any proof that they are correct. I've requested a statement with daily balances. Or any statement that shows the money credited to my account. Chime has not provided me or CFPB with any data that supports they credited my account., A hold was placed on funds by XXXX but never charged the account,. Chime removed the XXXX but once XXXXXXXX XXXX hold disappeared the funds were never returned to the account. 

I'm asking CFPB to force Chime to provided me with a statement that shows transactions with a daily balance from the month of XXXX statement period

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: TX

Complaint narrative:
OnXX/XX/2021 I Sent a letter regarding inaccurate and unknown things on my credit report to this day its very frustrating to not receive a response back yet and its been well over 60 days. I feel like Im being taken advantage of and ignored of my disputes. Section 611 ( a ) it is plainly stated A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I posted a bed to sell on XXXX XXXX app. Then a user named XXXX said her step father, XXXX XXXX, was interested in buying it and gave me his email : XXXX. I then contacted him and he said he would send a mover to check the bed and pick it up and send me the money as a cashier check to my home address. He also mentioned he was going to send more than the price of the bed and asked me to pay his mover who was going to pick-up the bed. I received the cashier check and deposited it at the bank and garbbed the mover 's money in cash. Then he messaged me saying the mover wanted the money wired to him instead of cash. So I sent the {$1600.00} to the mover with the information I got from the buyer through Zelle : XXXX XXXX XXXX. The buyer also gave me an alternative Zelle contact information incase the first one did not work : XXXX XXXX : XXXX. This was all on XX/XX/XXXX. On Tuesday XX/XX/XXXX the day the mover was supposed to come I got a message from my bank ( XXXX ) that the check couldn't be deposited due to an issue. I then called XXXX customer service and found out it was a fraud and I had lost {$1600.00}. The buyer was no longer answering my messages, emails, or calls. And due to the fraudulent check the bank decided to close my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Go Capital Holdings, LLC
State: FL

Complaint narrative:
I have be struggling with this loan company and they just don't want to help me. I have been making payments as I can and I check before my car was repossessed just recently I was just 30 days past due. Normally I would get a letter in the mail stating to pay by such an such date other wise we can legally or something take the property. This. company is know not to work well with anyone who is going through a finincal hardship even during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Yesterday, XX/XX/2021 in the evening I was misled by XXXX XXXX XXXX of AmeriSave Mortgage Corporation, that to get an estimate of good faith on the mortgage I was applying for I had to pay {$500.00}. The following day, XX/XX/2021, I called XXXX XXXX XXXX and told him that I was quoted a better rate of 2.875 % and that if he can match it from what he had quoted me at 2.99 % then I will consider staying with them. He asked for a copy of XXXX good faith estimate and he said XXXX bring it to his bosss attention. I sent it to him. Then he called me back again later and demanded a new estimate from XXXX because they would NOT match it, since it was dated a few days prior. I told him I cant do that because XXXX had already locked in the rate. Why would I request another good faith estimate? He said they wont match XXXX rate unless it was updated. I then told him that I am requesting a refund on the {$500.00} I paid last night, since it hasnt been 24 hours and they wont honor matching XXXX  rate. I was told that my payment was non-refundable and they wont give it back. I feel they are doing unfair business practices of misleading consumers and not refunding their customers. I dealt with four different companies on this matter and only AmeriSave asked for {$500.00} upfront to process a good faith estimate.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On my Bank of America credit card, I was charged a {$23.00} late fee in XX/XX/2021 because auto pay was not set up. Auto pay was not set up because i use their mobile app and it is impossible to set up auto pay on the mobile app as they could not walk me through how to do it on the app. I then call to ask them to waive the fee because i have perfect payment history and explained to them i couldn't set up auto pay on the app. They refused to waive the fee. 

Bank of America is purposely making it difficult to enroll in auto pay so they can earn money from late 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 2021-05-13 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: WI

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There was a Consumer Credit Transaction with a credit card as defined under 15 USC 1601. The three credit bureau added this transaction on my credit report in which I disputed the matter and the 30 day investigation led to XXXX deleted off my credit report which a decrease of {$190000.00} and Experian and XXXX  fail to follow suit. This has cause great damage to my name as well as my credit score to be in the negative for the last past few years which has cause a set back in personal life with legal issues 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 explanation
Consumer complaint received 2021-05-13 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: NJ

Complaint narrative:
onXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I haven't received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. section 611 ( a ), it is plainly stated that failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
In the XXXX of XXXX I consolidated my defaulted student loans and successfully rehabilitated them. It has come to my attention that University Account Services re-aged a portion ( XXXX XXXX XXXX ) that had been placed with them by XXXX. The fraudulently re-aged loan information was then submitted to XXXX XXXX and upon closing out my loan they reported several years of delinquency ( XXXX ). The date of first delinquency on my student loans was in XXXX of XXXX. I contested the information with all three credit reporting agencies. XXXX has refused to verify the date of first delinquency, but did inform me that they received the fraudulent information from University Accounting Services. I've filed a separate complaint against XXXX. I've consulted a consumer protection attorney and will file suit if this information is not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
ACIMA shows I currently still have an open installment balance that I have paid off a year ago. I tried to call them so they can report and close my paid account but they refused.This is hurting my credit score it appears my account is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I received communication from Resurgent Capital Management in regards to an alleged debt from original creditor, XXXX XXXX XXXX  in the amount of {$650.00}. Upon receiving the letter, I called Resurgent Customer Service and spoke with XXXX on XXXX at XXXX XXXX XXXX. I advised XXXX that I was formally initiating a debt validation request. XXXX advised me that she could start the process but I advised her that I wanted to do so via mail or email for tracking purposes. Reluctantly, XXXX provided an email address for the debt validation request. Per her instructions, I emailed XXXX on XXXX requesting debt validation. After a little over a week, I received a letter dated XXXX from Resurgent with an attachment entitled " Account Summary Report ''. This summary is attached and is a simple Word document. After reviewing the document and realizing it didn't meet the requirements of proper debt validation, I sent Resurgent a 2nd email on XXXX, attached, requesting debt validation again with details of what a proper debt validation is under the law. On XXXX, I received an email from Resurgent, attached, stating that due to the nature of my inquiry, my letter was forwarded to the appropriate department for processing and future communications regarding the inquiry will be sent via US mail to the address they have on file. This email came from XXXX XXXX. Since XXXX, I have not heard from Resurgent as promised. Three days later on XXXX, I received an alert from from XXXX, attached, that Resurgent added the alleged debt as a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: NY

Complaint narrative:
I opened a care credit card IXXXX XX/XX/2020. First two payments were made at the dentist office but then covid started and the office temporarily closed. However i never received any statements, bills, notifications nor was I given any account information. I had no idea I was being billed as i never recieved anything. My card closed out due to non payment.

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 2021-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
Yet again after many failed attempts at contacting this company I am forced to file a complaint. The balance due on this account is inaccurate, I have proof of all payments made since agreement finalized in XX/XX/2020, called the company, emailed the company through their website and have not heard a word. I even emailed them attempting to make a settlement offer and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland XXXX claims I owe, they called my son telling him how they will take his mother to jail. I did a debt consolidation and completed 2 years ago with all debts ever owed settled except for School and Mortgage. I disputed 5 or 6 times even sending proof that they are recirculating a 2016 account that was settled and closed but they keep saying not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 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: NY

Complaint narrative:
Im submitting this complaint against XXXX and Equifax, due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: NY

Complaint narrative:
Have already explained that the debt is not mine and they continue to call and report on my credit every single week. That is harrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: CO

Complaint narrative:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation