vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
How many complaints can be entered and ignorred? 1- have NOT RECEIVED OUR NEW DEBIT CARD NO ONE AVAILABLE TO ASSIST ... XXXXXXXX XXXX PHONE LONG WAIT OR LEAVE A MESSAGE. 2- BALANCES from ATM continue to be wrong!!!! This has been going on for over a year. I was told to get an employee when you print balance or use machine they can not do anything to correct. Hence eliminating my ability to drive through to confirm info. Also XXXX XXXX  bal on phone XXXX. HOW is anyone to manage their acct? Once again no one at the branch to validate and if course OD charges immediate. A NICE WAY TO MAKE EXTRA MONEY. 3- They have NEVER ADDRESSED MY XXXX COMPLAINTS and have NOT WRITTEN OR COMMUNICATED WITH ME OR MY OTHER VRNDORS. ALLEGEDLY AN OFFENSE?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Affirm Holdings, Inc
State: UT

Complaint narrative:
Affirm is reporting XXXX collection accounts. Proper notice was not provided in accordance with Utah ( the state in which I am resident ) state statue regarding reporting. A copy of that law is attached. 

Affirm is reporting XXXX accounts as 60 days late. Proper notice was not provided in accordance with Utah ( the state in which I am resident ) state statue regarding reporting. A copy of that law is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I have had constant email communications with this company. Out of frustration I called and agreed to auto payments. After that I would just shred bills because of auto pay. Never received a phone message and never received an email to let me know that I was still in default. 
Yesterday I received a letter stating that I was in default with little to explain the charges. I then sent several emails asking for clarification. 
Is it legal to charge {$42.00} for an outstanding balance of {$5.00} without disclosing this to me during my agreement to auto pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
have no history of doing any business with this company, no signed contracts or anything, they are are trying to collect a debt, I know nothing about and this needs to be removed from my credit file asap, as me and this company have no contract for them to be reporting anything on my credit file.

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 2021-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
This morning when I search in XXXX Robinhood customer service phone number and dialed online number XXXX ( XXXX ) XXXX and person on the phone hacked my account with Remote app and initiated 5 {$990.00} each transactions from Robinhood virtual debit card to XXXX group. I have reported immediately to Robinhood and registered my complaint and they want me to wait for couple days. 

I have asked them that transactions are still showing pending why they can not cancel it and reverse my money ASAP. 


I have also reported this incident by calling 911. 

I need my {$5000.00} back in my account as early as possible. Any help is appreciated. 

My direct number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to report a creditor, i have provided information to Experian as well as the control number provided to me by the creditor, they have refused to update my report with not only accurate information but also in a timely manner, i reached out to Experian provided information told me it would be updated in 7 days they still continued to no update or include the account, made me feel they were XXXX  me, i would like this matter to be investigated and not for Experian to provide me with a email but a stats update as to why when and the resolution process I have been trying to get this information updated since XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Management Associates
State: VA

Complaint narrative:
I rented XXXX XXXX XXXX XXXX it was a XXXX bed XXXX .I notice the XXXX had mildew .So I ask XXXX to fix it .They refuse I ask them to fix it or let me out of my lease XXXXThey let me out of my lease I was in the XXXX no more than 90 day .XXXX  and myself did a move out inspection they took pictures and I took pictures .I went to collect my deposit .they said that I left damages .I took them to court but the judge told me I can't sue XXXX I would have to find the owner of the apts .I call XXXX they gave me the run around not giving me no information .this was in XXXX XX/XX/XXXX XXXX. I received a letter from a collection agency saying they are collecting XXXX .I have proof which are pictures so this would be a fraudulent case attempting to collect from me Knowing they don't have proof of damage .XXXX never took me to court they went straight to collection. I spoke to collection and it's XXXX word against mines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: MA

Complaint narrative:
I Cosigned a mortgage with my XXXX There was fraud on behalf of the mortgage XXXX. ( Who went to XXXX  ) He said my name would be off the loan in six months. It was not and years later in XXXX the loan was modified. However, my name remains attached to the XXXX I have never lived at the address ; I have never paid the mortgage. In the last 7 years my XXXX XXXX XXXX who lives in the home has paid the mortgage on time each month. He has the finances to continue. He bought the house he lives there. He should be getting the credit for paying the mortgage on his credit report for the last seven years. The loan should be in his name only. XXXX XXXX XXXX and their servicer XXXX should correct this. It would be easy way to settle an ongoing XXXX  problem. It would be the right thing to do. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX BANK CREDIT INQUIRY ON MY TRANSUNION CREDIT REPORT I NEVER GANE THEM AUTHORIZATION

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 2021-12-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am to complaining about Bank of America 's response to my previous complaint XXXX. 
The company 's response is not accurate. They statement about body build type and hair XXXX match is weak and insufficient. What's the specifications? Do they even know how I look like? Have they sent the videos about the illegal withdraws along with my characteristics to CFPB? I would like to see them myself. I firmly say that they company 's response is fraudulent along with those withdraws. 

I had called XXXX XXXX numerous times and left numerous messages. The company has NEVER returned none of those calls or followed up with me. I will be glad to send a detail statement from my mobile company provider to prove all my efforts. I was robbed! Bank of America does not only lacks on service security, client protection, but are also inefficient to resolve clients ' issues. The first reported illegal withdrawal was in XXXX, over 10 months ago. After months trying to solve the issue untunefully with the company, I filed a complaint wit CFPB on XX/XX/XXXX, and they had only responded almost 6 months after, today XX/XX/2020 with a weak statement that doesn't prove anything.

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 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This is in response to Citibank 's response to Complaint XXXX filed on XX/XX/XXXX regarding being charged for merchandise not received. Citibank 's response is attached as Exhibit IV and states that a permanent credit was issued regarding the original disputed amount. However, Citibank continues to report late payments for XX/XX/XXXX, XXXX/XXXX and XX/XX/XXXX to the credit bureaus and shows an unpaid balance of {$180.00}. The unpaid balance and " late payments '' consists solely of interest and monthly fee charges resulting from Citibank 's original refusal to issue the above referenced credit that was ultimately issued effective as of XX/XX/XXXX. Citibank issued a temporary credit when the dispute was originally brought to their attention. However, the temporary credit was charged back on XX/XX/XXXX and Citibank began charging interest and monthly fees, as detailed by Exhibit I and supported by statement copies at Exhibit II. During the pendency of the dispute, all current charges I made were paid during the grace period and, as shown on Exhibit II, I ceased using the credit card completely effective XX/XX/XXXX in light of Citibank ' s refusals to timely investigate and properly resolve the dispute. Citibank 's charging interest and monthly fees on a disputed charge ultimately credited has had the result of taking my credit score that exceeded 800 down to the 750 's. 
I have also enclosed Exhibit III which is a CFPB policy stating that interest will not be charged while a disputed charge is being investigated. Common sense would dictate that the same would apply to monthly fees resulting from the same disputed charge.

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX BARCLAYS BANK CREDIT INQUIRY ON MY XXXX CREDIT REPORT I NEVER GANE THEM AUTHORIZATION

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 2021-12-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
i need to get XXXX XXXX to cottect their files it shows XXXX XXXX XXXX XXXX XXXX late when real payments dont reflect that look at included files

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I had an insurance claim and the check was made out to the servicer and to me. They have had the check for weeks and are finally planning to send to me today. I have spent hours on the phone and website to get resolution. They are sending to me for endorsement and then I have to send back to them so they can deposit the check and then send me 25 %. The loss occurred XXXXand it has been raining inside my house. 

They refuse to send me all of the funds because I was on COVID forbearance. They refuse to change their decision. 

This got me thinking as to how it can be legal that I do to get to choose my own servicer. Shouldn't TRID protect me from being forced to do business with a company? Why don't I have my own choice to shop around? I would seriously like to talk to someone about this. 

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mr. Cooper purchased servicing on loans and is using the customer base to market its refi services and offer discounts with certain real estate brokers to its clients. 

Although they are probably allowed to do that legally, I should not have to spend my money on a company who is trying to put me out of business, yet aI have no choice. How does this protect me, the consumer? 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I contacted the credit card company XXXX Barclay Mastercard several times about a charge made on my account that the vendor/merchant agreed that there was an error. The credit card company said they would handle the dispute and even gave me a case number, but they are still trying to get me to pay the transaction. The purchase amount is {$130.00} from XXXX XXXX in downtown XXXX on XX/XX/XXXX. The transaction posted on XX/XX/XXXX. I contacted the hotel several times and they told me that the credit card company made an error. The credit card company has refused to call me or email me to resolve this dispute even though I left them both contact information.

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 2021-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Bank without notice closed my XXXX account on XX/XX/XXXX. The account has been active since XXXX with an excellent history. With the recent Pandemic I have not used the card regularly over the last XXXX years ; however, was planing to use in the next month. 
I called on Synchrony Bank on XX/XX/XXXX when reviewing my credit wise and credit karma accounts, since my available credit decreased. I have XXXX accounts with Synchrony Bank, XXXX, XXXXXXXX XXXX XXXX All have exceptional history. They did the same thing with my XXXX XXXX  account and I reopened the line. This causes me additional inquires and lost history, which both are a detriment to my credit history. I received no written or verbal notice of the intention, required action, which is bad business. I asked for the account to be reopened since I was within 30 days of noticing. the representative stated that I would need to reapply. I asked to speak with a supervisor, after XXXX minutes of hold time I decided to proceed with this complanint.

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 2021-12-28 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX is reporting XXXX collection accounts. Proper notice was not provided in accordance with Utah ( the state in which I am resident ) state statue regarding reporting. A copy of that law is attached. 

XXXX is reporting XXXX accounts as 60 days late. Proper notice was not provided in accordance with Utah ( the state in which I am resident ) state statue regarding reporting. A copy of that law is attached.

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 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
To whom it may concern, You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 


What is your authorization of law for your collection of information? 


What is your authorization of law for you collection of this alleged debt? 


Please send evidence your authorization to do business or operate in the state of Texas Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Conn's, Inc.
State: SC

Complaint narrative:
Disputed many times company will not provide documents to prove account belongs to me but still reports negative on all credit reports which has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is reporting inaccurate information monthly to Credit Bureaus in order to purposefully have a negative impact on my credit record. This was originally an auto loan in which XXXX is reporting as a Foreclosure to Transunion and XXXX. They also reported an address of XXXX XXXX XXXX XXXX, XXXX, TN XXXX, to which I have never resided, to XXXX. Auto was repossessed with no letter sent to provide details on how, when, where to redeem property prior to auction. XXXX has also reported to XXXX a date of last activity of XX/XX/XXXX while Transunion shows XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is reporting inaccurate information monthly to Credit Bureaus in order to purposefully have a negative impact on my credit record. This was originally an auto loan in which XXXX is reporting as a Foreclosure to XXXX and Equifax. They also reported an address of XXXX XXXX XXXX XXXX, XXXX, TN XXXX, to which I have never resided, to XXXX. Auto was repossessed with no letter sent to provide details on how, when, where to redeem property prior to auction. XXXX has also reported to Equifax a date of last activity of XX/XX/XXXX while XXXX shows XX/XX/XXXX.

Company response to consumer: Closed with explanation