vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Omnex Group, Inc.
State: CA

Complaint narrative:
last XX/XX/2020, i, XXXX XXXX, US cell phone XXXX XXXX XXXX, sent pesos XXXX to XXXX XXXX ( XXXX phone XXXX XXXX XXXX ) through XXXX XXXX an XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX, NJ XXXX after twelve days, the money is still not yet available. calls to them went un answered. they make everything difficult, and they said you can not call them while you are in the XXXX. my XXXX cell phone number is XXXX XXXX XXXX the reference number for this transaction is XXXX XXXX  told me to contact them through XXXX XXXX XXXX XXXX if contact them, they will just put down the phone. i tried their email XXXX. they will not reply. 

please help me recover my money from this XXXX scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-26 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: CA

Complaint narrative:
I notified Equifax on several occasions that their are several errors, inconsistencies, and FCRA violations on my credit report. I made it clear in my dispute letter that I did not consent to EOSCAR yet Equifax used it to process my dispute. 

Equifax did not investigate the errors or delete the inaccurate accounts due to FCRA violations. They are obligated to conduct an investigation ; however, they did not due so and are in direct violation of their requirements under the FCRA. 

They responded to my dispute indicating the accounts were verified ; however, if they would have reviewed my dispute and supporting documentation provided, it would be clear that the account could not possibly have been verified because all 3 credit bureaus are reporting different information for the same accounts. 

To add insult to injury, in XXXX of XX/XX/XXXX for 3 out of 7 of the disputed accounts, the creditor notified and reported to the credit bureau that there was a XXXX balance. 1 week later ( XX/XX/2020 ), after closing my dispute, the credit bureau added the balance back to the accounts stating the information is verified. The balance date reflected in my updated report shows the balance is as of XX/XX/2020. This means the credit bureau is not reporting the creditor update provided in XXXX and therefore is knowingly reporting inaccurate information. 

As of XX/XX/2020 Equifax is still reporting inaccurate information and despite my attempts to dispute, Equifax is not removing or correctly the inaccurate information. This is a direct violation under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
on XX/XX/2020 applied for XXXX XXXX  credit was denied with a XXXX credit score and immaculate credit they sent me a letter they could not identify me XXXX XXXX XXXX tried again talked to a rep from company denied again XX/XX/2020 signed up for home depot credit card denied I call XXXX my credit union that cant help I don't know who to call for help hoping u can point me in right direction or fix my problem thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi, Before BB & T merged I attempted to close my account with them. For several months, fees are being charged and I would like for the account to be closed and the funds to be sent to my address XXXX XXXX XXXX, XXXX, Florida 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 2020-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
We applied for a loan modification in XXXX of XXXX due to the pandemic. This was supposed to last for 3 months. We received paperwork at the end of XXXX to sign and notarize to agree to the modification. My wife 's maiden name was on this paperwork. We have no idea why since every piece of mail we had ever gotten from them had her married name on it. 

We called about 10 times over the next 2 months to get this updated. Everyone gave a standard response of they are working on it - they in fact were not. On XX/XX/XXXX we were told they finally put in the request to update the paperwork and would send us new documents. 

We received documents ( after multiple attempts to contact ) on XX/XX/XXXX with a due date of XXXX. Every time we call the manager, XXXX XXXX, he does not call us back. I have been given 3 different peoples emails at this point, and no one returns our calls or emails. 

We have asked multiple times now for updated paperwork that is not expired and no one gives us any help. We are now looking at owing 3 months worth of payments at once and do not have any updated paperwork. I am not sure what else we have to do in order to get papers with corrected dates so that we can get back to " normal '' life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Central Portfolio Control Inc.
State: AR

Complaint narrative:
Request via " Contact Us '' page and letter was sent to the attention of XXXX XXXX informing Central Portfolio Control they were attempting to collect on a debt I did not own, validate the debt, and cease collections immediately. My request was on XX/XX/XXXX by letter was in response to reference letter XXXX dated for XX/XX/XXXX. It was also sent on the " Contact Us '' page on XX/XX/XXXX and screenshotted. They did not respond to either by phone or writing and instead reported this account to creditors, and backed the opening date of XX/XX/XXXX. They are in violation of HIPPA and have failed to follow-through with Fair Credit Reporting. I have screenshots of the letter and " Contact Us '' page.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase unilaterally closed a credit card account I have had with them for 19 years, supposedly for " inactivity. '' They assert they sent me a single letter with a 15-day " use it or lose it '' message which I never received. I was in good standing with them, never a missed or late payment in nearly two decades. I have an overall credit score in the 800 's.

Their actions risked damaging my credit score by reducing my available credit. Doing this with only a single, non-traceable letter is completely unaccepable. I spoke with their customer " service '' representative on XX/XX/20 - approximately 60 days after their unilateral action which I discovered quite by accident. I was told that " there was nothing that could be done. '' This, too, is completely unacceptable. 

Looking at the CFPB website, this kind of high-handed behavior seems to be a common occurence by Chase. It is gravely disappointing and I believe they need to address this kind of abuse of their long-term customers. I would, at a minimum, institute a process of no fewer than three letters to long-term cardholders before closing an account. While there is a cost associated with this, I am confident that it would be swiftly recouped by customers using formerly dormant cards to maintain the cards ' validity, generating fresh profits for Chase. 

I will certainly not be recommending Chase to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I'm contacting XXXXXXXX XXXX XXXX XXXX as Credit Acceptance is understand Federal Law suit for Illegal Debt Collection practices and lying to the investors to increase their stock with open accounts that are really closed like mine. I'm a victim of predatory leading from Credit Acceptance. This account Should be delete and Credit Acceptance should be investigated by the Ohio Attorney General as well. As there is a current law suit filed in United States District Court XXXX  District of Michigan. Case XXXX XXXX XXXX ( filed XX/XX/2020 )

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 2020-10-26 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-26 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Used paypal credit to puchase item from XXXX Online. Item was returned to XXXX ( XXXX XXXX ) with receipt. Papal refuses to credit the amount back to the account and directs me to Synchrony Bank. Synchrony Bank redirects me to Paypal and XXXX ... XXXX has issued the credit receipt that the item was returned but Paypal refuses to credit the account. No one wants to refund me the money despite I have a receipt stating the money was sent to PAYPAL.

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 2020-10-26 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Infiniti sent an erroneous report to XXXX damaging my credit from XXXX  
to the XXXXeven after they received payment. They are refusing to correct. I had automatic payments set for this account but for some reason this stopped working since XX/XX/XXXX. Infiniti was calling the wrong number and I didn't realized this was happening until XX/XX/XXXX when I noticed they had reported late payments dropping my credit score to the XXXX 's. I immediately call Infiniti Financial Services and told their representative I will pay all that I was behind and the current payment owed for this month right away. This was paid XX/XX/XXXX, they confirmed payment XX/XX/XXXX. This account was paid in advance to XXXX XXXX. However, they sent another Report to XXXX  XX/XX/XXXX after I paid which indicated I had not pay them. That report was false and incorrect! I called to report their mistake and they are unwilling to correct their mistake stating it is up to me to do that not up to them. I have never in my life have been late on any payment and they should had make sure I was notified of the problem prior to damaging my credit. The Infiniti Dealership claims I provided those numbers in my credit
application, but the application was filled by their Representative and they never furnished me a copy of the loan contract so I could have the opportunity to correct their mistake.

Please contact me at ( XXXX ) XXXX or XXXX if you need additional information. I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: Southwest Mediation Service
State: PA

Complaint narrative:
XX/XX/20 - Received a phone call from number XXXX The woman, XXXX she said her name was, was extremely aggressive almost angry. She said I owed {$300.00} that was overdue and she needed it immediately. TODAY. She referenced her legal department and said I only had that call to make it right before she sent it to legal then onto my credit report. I asked if she was a debt collector and she said no. I asked if the company she was with, Southwest Mediation of Nevada was a debt collector. She said no. I asked who the original creditor was and she said it was XXXX XXXX XXXX XXXX XXXX  XXXX. She told me I had ordered magazines and did not pay for them. She threatened me, saying she had my voice recorded ordering these magazines and that they were going to sue me right away. My account number with them is XXXX. I was very shook up after the call, I was scared and reached out to our family lawyer. He suggested making a formal complaint here. He also suggested I call the original creditor. 

I called XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX They claimed to have sold this debt to Southwest Mediation and that they had sold me magazines and shipped them to XXXX XXXX XXXX in XXXX, Ohio. I have never been to Ohio, I have never lived in Ohio. This is a fraudulent account that they created with apparently my credit card number and voice verification. I checked all my cards and this company is nowhere to be found. I never paid them or initiated an account. I have never spoken to this company. They said there was nothing they could do because they sold the debt to Southwest Mediation and were out of the deal now and that I was on my own. I will also be making a separate claim here against them. 

This is fraud and they are unresponsive to my requests to provide information on the account. Both companies are rude, aggressive and intolerable. Something shady is going on here. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Consumer Adjustment Company Incorporated
State: AL

Complaint narrative:
They never sent me a letter to acknowledge they were taking over a debt, never attempted to contact me to try to settle the debt. No letters. No calls. Nothing. Just hit my credit for 2 months and counting. I disputed my credit report because they are supposed to notify me but no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I put 2 money orders in my bank for a total of {$1600.00} via teller. They put a hold on the account saying that {$850.00} would be available the next day and the rest on Monday. That same night they put another hold on my account for the entire amount saying that the money wouldnt be available until XX/XX/31. I told the bank that I paid for the money order with my own funds and that nobody elses name was on it other than mine and that it shouldnt take 2 weeks to verify that. I told the bank that that money is to pay for my new apartment and that Id be homeless if I didnt have the money before XX/XX/31. The bank still is holding my money and now says the funds wont be available until 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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: MN

Complaint narrative:
I got a few charges expunged about a year ago, and they keep popping up on Checkrs background check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NJ

Complaint narrative:
The account in discussion is Discover Bank account # XXXX the issue at hand is a late reported in XX/XX/2020. Back in XX/XX/2020 I was sick with Covid-19 and unfortunately I was unable to reach anyone at Discover to defer my payment. Once I was well enough quickly made the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NRA Group, LLC
State: PA

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX XXXX XXXX has a third-party collection National Recovery Agency. 
That failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX failed to offer financial assistance. With continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.

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 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I placed an online order with XXXX XXXX XXXX for some XXXX accessories totaling {$810.00}. These parts seemed to be in stock. XXXX XXXX  charged my credit card immediately but failed to ship my order. On XX/XX/2020 I requested XXXX XXXX  cancel my order and refund my money. After not hearing back for several days, I filed a dispute with my Credit Card Company. On XX/XX/2020 after receiving notice of the dispute, I received an email from XXXX XXXX  confirming the order cancelation. On XX/XX/2020, I received a threatening COLLECTIONS email from XXXX XXXX. This time they accused me of Cyber Theft. Apparently, two days after I filed the dispute and they indicated they canceled the order, XXXX XXXX shipped a package to the wrong address and that package is now lost. On XX/XX/2020, XXXX XXXX XXXX, with knowledge and intent, used my credit card information obtained from the XX/XX/2020 order, to illegally and fraudulently charge my XXXX Visa Card a second time. Further, they set this charge up as recurring so as to cause as much financial damage as possible. Because of XXXX XXXX actions, I had no other choice but to completely close my credit card and reopen a new card disrupting all of my recurring payments with other companies. 

Even though I won the credit card dispute and never received my order, XXXX XXXX turned me into collections. Shortly after I began receiving calls from ICSystem claiming I have unpaid debt in the amount of {$810.00}. I've sent ICSystem proof that the order had been canceled and indicated that I did not receive the shipment, they tell me that there is nothing they can do because their client ( XXXX XXXX XXXX ) insists that I owe the debt and therefore they intend to report this debt to the credit bureaus.

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 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been an authorized user for now on my cousins cards using and paying it off. Trying to build my credit. The issue is nothing is showing on my report for either of these cards. One is barclays and the other is XXXX  XXXX XXXX. For some reason they are not reporting to transunion, XXXX  and XXXX  any help here would be greatly appreciate.

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 2020-10-26 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: CASHCALL, INC.
State: CA

Complaint narrative:
On XX/XX/2020, upon review of my XXXX  credit report it noticed that CashCall was incorrectly furnishing data to the CRA. My direct action was to dispute the information, as it was not correct ; CashCall 's response was to add to 30 day lates to my credit report which is inaccurate. 

This is an illegal loan, and CashCall was repaid all monies borrowed. I would like this agency to remove all credit reporting from my credit report as they are in violation of Fair Credit Reporting practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation