vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I received a phone call on XX/XX/2021 from Synerprise Consulting that I owed a debt. I responded by stating I wanted all communication about said debt to be conducted via mail only. I then sent a letter to Synerprise Consulting requesting validation of debt and for a copy of documents or contract containing my signature be forwarded directly to me.I also sent a letter to XXXX  Credit Bureau as well, who also stated the information was verified during investigation, XXXX  also FAILED to send me any documentation of validation of said account. Synerprise Consulting responded with a letter on stating they investigated the account and had verified it. They still failed to send any documentation at all that I requested. I sent a second letter on XX/XX/2021 request the information that the company failed to provide to me from the initial letter. Synerprise again sent me a letter with no validation or documentation that the debt they are requesting me to pay is a valid debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My coop association sent instructions by the treasurer 's email for payment of each owners ' share of {$8.00} XXXX total purchase of XXXX land lease. Mine share was {$300000.00} and wired on XX/XX/21 to a fraudulent bank account at JPMorgan Chase. The treasurers email had been hacked. My issuing bank, XXXX XXXX, filed notice of fraud to receiving bank, JPMorgan Chase. Ic3.gov complaint filed along with notification to the FB-I. On XX/XX/21 JPMorgan Chase Fraud Recovery Internal Mail XXXX notified recovery of {$180000.00}. Therefore, {$110000.00} remains lost. Aside from the question of the treasurer 's responsibility to send secure communication to the owners, does the bank receiving the fraudulent wire transfer ( JPMorgan Chase ) have any culpability in restitution? Especially when they recovered about a third of the monies taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
On XXXX I disputed a {$250.00} collection I requested that the debt be validated in that request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Around XX/XX/2021 Santander received certified tender of payment and a certified promissory note in good faith, also documents conditionally accepting there alleged claim to any debt predicated upon verification of the debt, as defined in Blacks 6th, pursuant to fdcpa, fcra, Santander was requested to cease any and all collection activity until debt is verified Santander is still actively attempting to collect debt by reporting it to credit bureau. I demand any and all collection activity ceases until Santander verified the debt. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
In XXXX I Attended the XXXX XXXX program at XXXX XXXX in XXXX XXXX Florida. here they were making me pay them XXXX a month as a way to pay off my student loans. this school also promised to get me a job in my field after completion. when I completed the schooling in XXXX of XXXX I was not offered a job or offered to be placed in a XXXX instead when I asked them they directed me to the " XXXX  '' website as well as the " XXXX '' website to look for jobs in my field even after me paying them monthly for my student loans and them promising me a job after completion. in XXXX a few months after my completion and as I was still job-hunting the school had to close down all campuses for fraud. this led my job search to be more difficult due to the fact that no job wants to hire me because of the school that i went to. I am currently 7 years after completing the program and have not been able to find a job for this reason. I am currently working for the XXXX XXXX  and I am a part of the union which gives me 2 free years of college but I can not take advantage of this great opportunity due to the fact that my student 's loans are in default and I am still not working the job that I trained and competed for and nobody wants to hire me for this job because of the school that I went to. I am trying to better my life and get back to school so I can have a good-paying job but these student loans from a school that was closed down for fraudulent activity are not letting me continue to try to live a better and more successful life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a transfer request in the amount of {$4300.00} with the company TransferWise, now rebranded as Wise.

There was no communication of any need for verification at the time this company accepted the wire transfer. Thus, the funds were taking from my bank account prior to me having any knowledge of the extra time it would take for it to be delivered.

Once funds were received the company communicated that the transfer would undergo verification. According to them this would take 4 days and the money would be delivered on the XXXX of XXXX. 

Today is the XXXX, marking 15 days since the transfer was requested and the money taking from my account. It has been 11 days since the scheduled delivery date. 

I have called the company 5 times. Each time I was told that they would verify my account and call me back. I have not received any calls from the company. I have also sent emails and messages to their XXXX page. They refuse to give me a straight answer as to a realistic timeline. They refuse to refund me the money. They refuse to deliver the money to the person I sent it to. They refuse to explain what exactly this verification means. 

This company has fraudulently kept my money, not paying interest for having borrowed it, and continues to refuse to deliver on the services I have paid for. 

Had the company communicated clearly the time it would time for the transfer to undergo verification, I would have had to opportunity to make decisions that would minimize the harm caused by it. 
Instead, their lack of communication and transparency has cause extreme difficulty to myself and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I moved out of the XXXX at XXXX XX/XX/XXXX. I received notification from the property on XX/XX/XXXX that I owed {$14000.00} for the remaining balance of the lease from XXXX XX/XX/XXXX. I went to the leasing office XX/XX/XXXX and spoke with XXXX to discuss the letter that I received from XXXX for XXXX at XXXX and was informed by the property manager that they had released the Unit # XXXX. South Carolina law is that you can not charge a previous tenant for the remaining balance of a lease if the unit or property is released. They can only charge up to the date of the re-lease. I have been fighting this with the XXXX for XXXX at XXXX for 4 years and it has prevented me from being able to purchase a home and lease a home in my name. I am ready to take legal actions. It is being reported on my credit report by National Credit Systems for {$15000.00}. I have reached out to them as well to inform them that they are reporting an inaccurate bill and that they need to have this deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
Company closed my account. No Reason given.. However, the account was only a few months old. I believe that this action is actually discriminatory. Fortiva offered the account to open as an additional account to my original Retail account and they specifically marketed to me this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
This is a XXXX XXXX Visa account with Barclays Bank. Account number ending in XXXX. 

1. On XX/XX/2021, this account was compromised unbeknownst to me at the time. A fraudulent charge of {$30.00} was made at a XXXX XXXX in XXXX, NC by another person who at one time resided at the same address as me for a short time. This person now lives out of state and has not lived at my address for more than a year. I have never stayed at this XXXX XXXX. 

2. On XX/XX/2021, I received my credit card bill in the mail, noticed the fraudulent charge, contacted Barclays, filed a fraud dispute, and had the existing card account closed, and a new card sent to me.

3. A few days later, Barclays gave me credit for this fraudulent charge from XX/XX/XXXX. 

4. On XX/XX/XXXX, Barclays sent a letter which I received on XX/XX/XXXX, reversing their decision. They stated I now owed the {$30.00} and they would charge me for it.

5. After many attempts to call them and over 1 hour on the phone they said they made their decision because the person who made the charge without my knowledge had at one time lived at my address, and the case had been closed against me.

6. I have tried to get a number to call Barclays corporate headquarters to complain but the numbers keep circling me back to customer service with long wait times. Plus you then talk to someone not in the USA who is very hard to understand with a heavy accent and they read from a script and don't address your real complaint.

7. Since I had declared the account fraudulently used, gotten a new card, and filed a fraud dispute when I got my bill, I don't think I should have to be liable simply because the person who made the charge lived at the same address as me at one time.

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 2021-07-27 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: LA

Complaint narrative:
THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XX/XX/2021, I received a notification through my XXXX  credit notification services that I had a limit decrease on one of my accounts, which was my JC Penney store credit card. The notification said at that time I had a credit limit reduction to {$500.00} from the original {$2500.00} limit. I called the credit card parent company, Synchrony Bank, to attempt to remedy the solution. Initially, the first response was that I was notified by mail. I informed them I was not ever notified and that the only way I found out was through my credit notification service and that I was notified Sunday. They put me on hold for a significant amount of time, only to return to me with the answer that it was automatically reduced because I hadn't used my card in a long time. I asked them is that not grounds for notification still? They would not give me an answer, but offered to file a complaint for me and what would my desired remedy be. Initially, I wanted to close the account, but then I decided that I want my account returned to its initial approved limit and possibly the limit increased as a remedy. I was told that my credit limit reduction was final and any change was subject to credit approval. I informed them that this was a violation of the CARD Act and that I had not been given the 45 days notice for the change, but I was still informed that my credit limit reduction was still final and they would consider a possible increase, but no return of my original limit.

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 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/21 I received a text message to call XXXX which said it was FROM : XXXX, prompting me to call and share my debit card information, social security number, and contact information. I was distracted and wanted to take care of any issue quickly so I gave my information, which now feels very foolish. 

This morning ( XX/XX/21 ) I received a similar text message from XXXX, instructing me to call XXXX or XXXX ... this is what made me realize that I had given my information to a scammer.

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 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY!

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 2021-07-27 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: Xtreme Products LLC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We refinanced our primary mortgage with Citibank and the servicing company XXXX XXXX XXXX in XX/XX/2021. Citibank did not shut down the ACH payment on the old loan so a full mortgage payment was taken out 2 days after the old loan was paid off - a clear overpayment. XXXX  on instructions from Citibank did not refund that to me but rather applied the full amount to the new Escrow balance and we now have an overfunded Escrow balance. Citibank never asked my permission for this, and was unable to provide any explanation or accounting for this. Thankfully XXXX has been able to explain and track the funds and offer me a refund but only after multiple calls and no help from Citibank. The bank acts as if they are the customer - it was their choice to outsource their servicing to XXXX not mine. They have not communicated, asked permission or been able to provide any accounting on what happened to a mortgage payment that should have been stopped but for their incompetence.

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 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN INTERNET MORTGAGE
State: CA

Complaint narrative:
Submitted an application on XXXX ( # XXXX ) with aim loans. Have not received any disclosure or loan estimates. They asked for the signed contract which I provided, they asked for a new ETA for XXXX which I also provided a few days ago. Still no response to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NC

Complaint narrative:
On XXXX I sent a letter regarding misleading and false reporting on my credit report. To this Day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it had been over 60days so they should be updated promptly. I CLEARLY ASKED IN MY LETTERS THAT THESE ACCOUNTS BE VALIDATED/VERIFIED BY THE ORIGINAL CONTRACT WITH MY SIGNED SIGNATURE ON IT. I HAVE NOT RECEIVED ANY VALIDATION OF A SIGNED CONTRACT. I demand these accounts be DELETED as stated in complaint letter immediately or I will file for litigation due to the stress you caused me. 

I, XXXX XXXX gives CFPB permission/ 3RD PARTY AUTHORIZATION to investigate on my behalf I have attached a copy of my ID and social security card for proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NY

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have 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 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX. Also please remove the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXXXXXX, and XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

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 2021-07-27 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 and updated 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 got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A middle name has been added to my Transunion account and maybe the other as of XX/XX/2020. XXXX and XXXX is listed as my middle name and that is incorrect, I have written in letters on 3 different occasion and Transunion continues to send me an " updated '' report with the same incorrect name.

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