vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Liberty Holdings, LLC
State: OR

Complaint narrative:
On XXXX, my mother gave me a letter that she received in her mail. The letter was from a collection agency XXXX XXXX XXXX XXXX XXXX demanding payment for a XXXX XXXX bank. I remember my mother paying off my debt I owed to the bank. My mother had a copy of, proof of payment through a different collection agency for the same thing. Therefore I took the letter to the bank and asked why i received this letter knowing the debt was paid. The lady at the bank took a copy of it and let me know not to worry about it. In XXXX of XXXX I noticed i was being garnished from a liberty acquisitions servicing llc for {$21000.00} since XX/XX/XXXX. I was mortified! I found out this garnishment was for XXXX XXXX. I started calling around asking question and information, that I was denied of. So after collecting {$1600.00}, they stopped the garnishment on XX/XX/XXXX. I thought this was over, but on XX/XX/XXXX, I received a garnishment letter from the same collection agency again. this time garnishment is for {$5800.00}. Their attorney signed the paper on XX/XX/XXXX and my wages started to be garnished on XX/XX/XXXX before I even had anytime to dispute it. I called the agency and let them know this has been paid off already and sent them a copy of the proof of payment. Their attorney XXXX said that this proof of payment is not satisfactory because this debt is for a credit card and not a bank account. I was super confused at this. He took a picture and sent me a picture of what account it was for. On the judgment it says that i had opened a credit account on a SUNDAY of XXXX. I have been qualified for home loans and car loans, my credit history is clean, it shows no debt. I have a credit report from XXXX XXXX from XX/XX/XXXX, and this " debt '' is not on it. the attorney can't seem to explain any of my questions. I asked him to send me the entire judgment, but instead he just took a picture of the front and sent it to me. I do not claim or will I ever claim this debt for this is not mine. I never opened any credit card accounts until XXXX but from a different bank. This seems very fraudulent, due to them not wanting to give me any information regarding this debt, not following proper procedures, garnishing greater than total amount owed ( they said the original amount was {$1100.00} ), failing to give timely notice of garnishments. I have asked them to refund me all the money they stole from me, but they denied me of it. I am reporting this as a fraud due to never having a credit card account of the year XXXX, SPECIALLY opening the account on a SUNDAY. Case # is XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX - This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: MI

Complaint narrative:
XXXX XXXX - This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2021-12-08 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: CORELOGIC INC
State: NC

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX pulled a bait and switch. I was approved for the XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. At that time, their website stated this verbatim : " Earn up to 90,000 bonus pointsenough for up to 12 free nights at participating properties. Earn 60,000 bonus points after spending {$1000.00} on purchases in the first 90 days, plus earn an additional 30,000 bonus points after spending a total of {$2000.00} in the first 6 months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and can not be paid with points.2,3 '' I've only been given XXXX bonus points ( on XXXX XXXX ) despite meeting the spend requirements within the time frame allowed. XXXX points is the current offer on their website. Their poor customer support has been clueless about this, in fact I had to explain what a sign-up bonus was. I filed a claim, however they said it would take up to two billing cycles to resolve, which seems ridiculous to take this long.

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 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was discriminated against because Im a woman by two male XXXX XXXX, Branch XXXX & XXXX XXXX, Personal Banker today XX/XX/2021 around @ XXXX. He demanded extra documents. I was never making changes. I gave my drivers license my military ID. Hes forcing me to do what I dont want to do. He, XXXX claimed that I was denied before for credit but refused to provide documentation when requested. He refused to give list of what hes asking for. He just rattled it off verbally. This my 2nd visit to open a tenant/landlord account. Ive been with over 30 yrs with several accounts, personal & business & treated like garbage!!

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 2021-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Due to the lack of urgency, Planet Home Lending LLC has failed the HOEPA law for home owners ' fees and late payment reporting. 

We will be contacting the CONSUMER FINANCIAL PROTECTION BUREAU, providing us another legal branch. 

We have volumes of emails, notes and proofs of payments with Planet Home Lending , LLC. 

Planet Home Lending 's predatory solution to moving from XXXX XXXX forbearance, to a COVID forbearance, is a substantial increase in a mortgage payment and no guarantee that Planet Home Lending , LLC is able to properly appropriate those mortgage payments. To reiterate, we were in the process of securing a refinance of our Planet Lending, LLC mortgage when AGAIN you negatively reported to the credit agencies! 

As an FHA mortgage holder we possess extra protection from your predatory actions ; we have MORE options for coming out of a forbearance that a standard mortgage holder. 

Law so states, Planet Home Lending , LLC has responsibilities to provide ALL options ; to correct ALL negative credit reporting ; AND to take-on the responsibility to track-down LOST PAYMENTS AND APPLY THEM TO OUR LOAN. Natter, R. ( n. d. ) Home Ownership Equity Protection Act of 1994. American Bar. 

We will be including in our report to the CONSUMER FINANCIAL PROTECTION BUREAU the lack of any response from you, XXXX XXXX, and the individuals that are involved in Planet Home Lending 's void offerings for solutions to LOST PAYMENTS, LOST ESCROW PAYMENTS, LYING ABOUT FORBEARANCE SOLUTIONS AND CONSISTENT INABILITY TO RESPOND TO OUR EFFORTS TO MOVE FORWARD. 

We are requesting, on behalf of the CONSUMER FINANCIAL PROTECTION BUREAU, ALL the phone call recordings relating to our loan. This is part of the discovery for the CONSUMER FINANCIAL PROTECTION BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
XXXX PM XX/XX/2021 Purchase Google Play Gift Card in XXXX ( Receipt available ) XXXX PM XX/XX/2021 Attempt to use the card to provide funds to my Google Play account. 
The transaction fail. I submit a claim and provided all the information requested by Google. 
XXXX PM XX/XX/2021 Google send me email that says : " According to our system, your Google Account or one of the Play Gift Cards you submitted isn't eligible for appeal. '' The next few days I tried again in my different Google accounts with the same result. 
XXXX AM XX/XX/2021 I chatted with Google Suport agent XXXX XXXX. She said : " we can't provide you with a refund for your gift card. As stated in our Terms of Service, I'm afraid that we won't be able to refund Google Play gift cards purchased from third-party retailers. '' Those " Terms of Service '' are not provided at the time of purchase. 

This is a scam master minded by Google to steal money from the american people. They provided a product that they are not going to honor to third party retailers. The retailer sell the product their customers and keep a cut of the money or kick back from Google.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello ive been a victim of fraud and having problems with bank of america i have filed claims on that account on XX/XX/XXXX. Bank of america told me to not touch that account and i didnt untill all claims are resolved. They denied my claim and their not refunding me for the claim XXXX transfer fraud and on top of being a victim of fraud they closed my account and sent me to XXXX XXXX and early warning services without resolving my problem

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 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was shopping on the XXXX web site. When I went to check out there was a supposed offer from Chase Bank Credit Card. If I applied for the card I would receive a {$60.00} credit to my purchase and a {$70.00} gift card. I did not receive the {$60.00} credit. I called XXXX about the offer. The XXXX representative researched the issue and told me that it was an offer from Chase Bank. The XXXX representative gave me a local number for Chase Bank since XXXX had no participation in this offer. 
I called the local number and requested assistance. To address this problem I could go to the bank or call a phone number. I didn't want to waste my gas so I called XXXX. Each of the XXXX times I called the number, I followed the directions given to me by the local representative. Each time after waiting for up to XXXX minutes the phone number would hang up on me. While doing this I received a text message saying that someone has checked my credit. 
With the phone number not getting me to a person I found the closest Bank to me. I went to the Bank and complained to a banker. They called the credit card division and was told that I CAN NOT cancel the application that had been started a few hours earlier. 
After talking with the representative from XXXX, the Chase Bank offer was removed and replaced with an offer from XXXX. 
I am thoroughly disgusted with this Bank, it's operation, and the false offer. 
Please perform whatever sanctions on this Bank that are available. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
Ameris Bank Mortgage had my loan for my home. I sold the home on XX/XX/2021 and contacted Ameris Bank the second week of XXXX regarding my escrow refund. I was told the check had been issued and mailed to the old address. I checked with the new homeowner and it had not been received there. I changed my address online and by phone with the escrow department. They told me they would wait 30 days from XXXX ( original date of issue ) and reissue but it could take 30-60 days before I got it. 
I called every XXXX weeks during that time with no update. Finally XXXX person told me they wouldn't tell me anything until the full 60 days was done. So I contacted them XX/XX/2021 ( more than 60 days after second attempt ) and they told me there " was no update '' on my issue. They couldn't tell me if the check had been cut or not. XXXX said she escalated to her supervisor and asked for expedited handling but that it could take another 30 days before it was cut. When I asked what I could do she said I could wait 30 days. I have now been waiting XXXX months for over {$3000.00} in escrow that belongs to me to be sent to me. And they are telling me I have no recourse but continue to wait. 
There has to be something I can do to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc
State: MN

Complaint narrative:
Harley Davidson ( XXXX ) has been calling my cell phone number repeatedly, looking to collect from a person named XXXX XXXX, who, it seems, listed their number incorrectly when purchasing something. I was very polite at first, letting them know they had the wrong person, and they should find another way to get in touch with that person. In the last XXXX weeks, I believe I have received XXXX calls from them ( sometimes XXXX attempts in a day if I don't pick up ). I have now spoken to them at least XXXX times, now demanding that they remove my number and stop calling. But the calls persist. I am at a loss at this point as to what action to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: MI

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-08 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: MI

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation