vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXX XXXX has not send accurate verifiable documentation that I owe any debt BEARING MY SIGNATURE. I sent a letter on XX/XX/2021 asking to validate and this company has not done so properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Hello, I noticed two fraudulent transactions on my credit card the morning of XX/XX/XXXX - one from XXXX for {$380.00} and one from XXXX. I immediately called the customer service line to report the transaction. They opened an investigation for both transactions and closed my account. 

On the phone I told them that the person who used my credit card also used my email to file the order for XXXX and that if they recommended it I could just cancel my order from XXXX. They said I should do that so I ended up canceling that order. The XXXX order however I could not cancel. 

A couple days later the XXXX order showed up at my door. I immediately called their customer service line, explained the situation and they asked that I return the item to my XXXX  store. I informed them that I did not have the receipt but they told me that I should return the item and XXXX should know what to do. They told me that I should send them the proof at a PO Box address. When I went to XXXX, the manager was not sure how to best handle the situation. He just took the item back and gave me a piece of paper with his & someone who worked in Loss prevention as well as stating that I returned the item with his signature. He also refunded me {$5.00} since he could not do a {$0.00} refund. I mailed them all the proof and figured that would be the end of the situation but it wasn't. 

A few weeks later I get a letter in the mail saying my claim has been rejected since the " item was delivered to my address ''. I called customer service again and explained the situation. They reopened an investigation to come to the same conclusion. 

It has been months since the fraudulent transaction and they refuse to look at their call records or coordinate with other internal teams. I am now stuck paying almost {$400.00} for a TV I never bought and don't even have. After years of being a customer this has caused me to look elsewhere and begin the process of canceling my credit card.

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 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: OK

Complaint narrative:
I was previously employed with XXXX XXXXXXXX XXXX  ( the Original Creditor ) and was on a month-to-month lease with them. I moved out of state for better employment opportunity and my last month was paid in advance. Furthermore, I left two weeks before the month was over. Now, they are claiming the lease was broken and are attempting to charge me {$1400.00} which is completely false and fraudulent and has affected my credit score! I am demanding that a contract or lease to be provided with my signature which I suspect can not be provided. I am also demanding the account to be removed from my credit, the account to be closed, and for the debt to not be sold to any other agencies. My next step will filing grievances with the FTC, Attorney General 's Office, and possibly legal action. There are several law firms that specialize in suing debt collectors ( such as XXXX XXXX, among others ). This is outrageous that this is the second complaint I've had to file due the false claims made by the original creditor.

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 2021-03-11 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: DE

Complaint narrative:
Hello I Submitted 3 credit report error disputes on XX/XX/2021 to XXXX, exquifax & XXXX my disputes included inaccuracies on my credit reports! 
it has been over 30 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
I refinanced in XXXX and that company sold my loan to AmeriHome Mortgage. The beginning of XXXX I noticed they did not make note on my first bill that a XXXX payment was made to the original company for {$2100.00}. It showed {$100.00} and nothing to my escrow account. I called then and sent proof of payment. In XXXX, I received an escrow analysis showing I was short {$750.00}. I just refinanced and I doubt within one month my escrow is short. Funny the amount I am short is about {$6.00} difference than what the XXXX amount should have been. I have spent at least 4.5 hours trying to rectify this but they do not return calls or follow through when I ask them to look into this. I am beyond frustrated with this company and I had no choice with who bought my loan. They said there records show a return call on XXXX but no message was left or another call attempted. They return calls in 24 hours and that was my return call from XXXX, way past 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: IN

Complaint narrative:
This account is part of a litigation case. The original creditor as well as Wakefield and Associates KNOW this but they continue to harass me and report inaccurate information to all three credit bureaus. Even my attorney has told them this! 

Any medical bills from XX/XX/2020 until XX/XX/2020 are part of litigation and can not be pursued by ANY collection agency until the case has completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RAS LaVrar, LLC
State: GA

Complaint narrative:
RAS LVRAR has not send accurate verifiable documentation that I owe any debt BEARING MY SIGNATURE. I sent a letter on XX/XX/2021 asking to validate and this company has not done so properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: DE

Complaint narrative:
Hello I Submitted 3 credit report error disputes on XX/XX/2021 to transuion, XXXX & XXXX my disputes included inaccuracies on my credit reports! 
it has been over 30 days!

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 2021-03-11 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: NV

Complaint narrative:
I sent in my letters to removed errors off my credit report I haven't got my investigation results and it has been more then 30 days

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 2021-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This complaint is in conjunction with my first complaint. Please refer to complaint # XXXX so I wont have to retype the information. Synchrony sent correspondence earlier today stating that they did not see a pending transaction in the amount of {$2200.00}. The pending charge is showing on my online account statement dated XX/XX/2020. A copy of that document is attached to this email. The Synchrony letter included a phone number to call if I had questions. I called the number and it was for a Synchrony Ashley account, which I do not have. I am exhausted trying to communicate with this company to get the issue resolved. I spoke with XXXX XXXX XXXX who processed the transaction via my Synchrony account, and they stated that they do not have access to correct this.

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 2021-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX. 2021, my wife and I went to my local Lowes at XXXX XXXX XXXX XXXX, GA XXXX to purchase a XXXXXXXX XXXX. I applied for the Synchrony Bank/Lowes credit card in order to save 20 % or up to {$100.00} off of my purchase at the Lowes Customer Service Counter. I provided my GA state issued drivers license ; I also provided my social security number and annual income.

I was then told that my application was on HOLD, so they had to call Synchrony to provide additional information. The additional information was provided over the phone along with the credit amount requested ( {$3000.00} ) ; however, the Synchrony Bank representative on the phone stated that they could not verify me, and that she would need to send me a link for further verification. This verification included my facial picture without hat or my eyeglasses on, and a picture of the back and front of my drivers license which I provided. They still could not VERIFY me.

I contacted 2 managers at Synchrony Bank/Lowes who could not provide me with any answers, or any recourse to rectify this situation ; however, the Lowes representative verified my GA issued drivers license, and I also provided a facial picture, and picture of my license on a link provided by Synchrony Bank via my mobile phone. I do not know what else I could have done to prove that I am me.

The Lowes Representative behind the counter stated that in her 7 years of employment at Lowes that she had never seen anyone go through such a verification This was the most humiliating, and demeaning experience I ever experienced applying for credit ; by providing my picture, I believe that Synchrony actions were racially motivated, and being an XXXX XXXXXXXX XXXX was the determining factor needed to deny me a Synchrony/Lowes credit card. 

I also believe that providing my picture exposed me to undue discriminating factors that were utilized by when determining my credit worthiness ; In addition, Synchrony/Lowes policies failed provide me any remedy after these adverse circumstances occurred. They provided me letter, which I received in the mail, on XX/XX/XXXX stating we are unable to confirm your identify with enough confidence to approve your application at this time Synchrony Bank sent the letter to the address that I provided on the application. 

All of my credit scores are exceptional with scores ranging from XXXX XXXX ; my income exceeds {$100.00}, XXXX +, and my debt to income ratio is less than 22 %. There is no reason for me or anyone else to be subjected to such discriminatory practices when applying for credit. I am shocked and appalled that new practices, and tactics are being XXXX by Synchrony Bank/Lowes that make it almost impossible for an XXXX XXXX XXXX to prove that he even exists.

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 2021-03-11 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 — Problem with personal statement of dispute
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Sun loan company gss been deleted from my XXXX  and XXXX XXXX, and Sun loan Tgen sold the original loan to itself and gave it a different loan number making it look like it's another loan. So XXXX in reporting the same loan twice. The loan was paid IN FULL. Sun loan is not reporting it on BOTH of the loans showing up on XXXX. The two that show up ARE THE SAME LOAN ONE LOAN that they gave another loan number to report. The loan was charged off in 2017 however SUN LOAN continued to add interest on the loan more than 9 times maliciously destroying my credit and then Creating a Fraudulant account and reporting the fraudulent account as a second account Please look into it so you can see the Illegal as well as Malicious and fraudulent actions by SUN LOAN COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: SC

Complaint narrative:
The bureaus are reporting inaccurate, unverified accounts on my credit report. This is impacting my ability to better my life. I need these things corrected on my credit report as possible as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: FL

Complaint narrative:
Hello, I've been reaching out to the Credit bureaus regarding a few late payments they are saying that I was late when I was not. The late payments reporting on my credit report are inaccurate and false. I reviewed my credit report and the days they said I am late are not matching each other., all 3 credit bureaus are noncooperative in getting the proper information and have not shown me any proper investigation and or reports from the creditor showing that my payment was late on the days they alleged I was, I have an outstanding credit history and to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score. 


On my XXXX account # XXXX I was never late XXXX XXXX XXXX # XXXX I was never late XXXX XXXX XXXX # XXXX I was never late, on XXXX and XXXX stated that i was paying " Exceptional '' but Experian has it that I was 1 month late. Which is incorrect and inaccurate XXXX XXXX XXXX. This account was paid in full and never late

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 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX is claiming I owe them {$560.00} when I cancelled my policy with them.I was paying the policy monthly and was never late. I have never heard of an Insurance Company coming after someone just because they chose to end their policy. They have made more than their money 's worth from me since I have never had any accidents or claims filed. This is a predatory tactic to extort money. I demand that the account be closed and credit deleted. Also, I do not want the debt sold to another agency. My next steps will be to file grievances with the FTC, Attorney General 's Office, and possibly legal action if this harassment continues.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/2021 my bank account was charged XXXX by Transunion, for subscription I never signed up for. I canceled it immediately after reading g that they keep doing it and that they will not refund me for the subscription. I am also contacting my bank

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 2021-03-11 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:
I have previously diputed inaccurate information on Equifax from XXXX XXXX Account Number xxxxxxxxxxxx XXXX ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER This is incorrect. 
The information was not updated. Conflicting data reporting Example : Date of First Delinquency XX/XX/2018 But shows XX/XX/2018 paid as agreed Also no data entered for several months ( XX/XX/2018 etc.. ) I feel they are ignoring my letters. 
Section 611 states that failure to investigate these items within 30 day gives reason to immediately delete inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I received a bill from CMRE for an ER visit which was paid directly to the doctors office by my insurance company. I informed CMRE that this bill was not valid and requested that they send it back to the original biller to submit an accurate bill. I informed them via certified letter within the 30 day window that the biller they are collecting for XXXX XXXX XXXX XXXX XXXX has never sent me a bill for the date of service in question and that I have an EOB from the insurance showing that they were paid directly by the insurance company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC

Complaint narrative:
caller from credit control call me several times starting at XXXX XXXX trying to collect a debt owed by someone else i have repedetly told them that i am not that person sometimes when they call they say nothing just listen i tell then that they are a bunch of punks that like to harass people after a while they hang up this has happened several times not saying anything the last time they called -- XX/XX/09 XXXX i told them that i was not regena and to stop calling me i said that i am tired of them calling me different times of the day for some one i dont know after a few choice words to them i hung up - they come up on my caller id as credit control 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 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Cashapp closed my account after I won the cash-app trivia THEY host on XXXX. 
My payment from them FAILED, and then they closed my account. 


Payment from $ CashAppTrivia {$24.00} for # CashAppTrivia This payment was canceled for your protection which triggered to get my account banned ^

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I was targeted by an auto loan lender Sandtander Bank with predatory lending ( Extremely high interest rates for people with less than perfect credit that live in impoverished and low income neighborhoods ). 
The auto loan account was promised to be removed from my account and forgiven after 2 plus years of ownership, but this has not been done as of yet ... even after multiple attempts to reach Santander. I also tried contacting the lender through the credit reporting agencies, but my claims were not addressed directly. I received generic respnses that did not specifically address my complaint. Moreover, Santander bank was sued and lost the case for this same reason ( predatory lending ). All of the documents pertaining to this settlement/lawsuit was in fact mailed to the 3 credit bureaus with certified mail. I will 100 % admit that I was actually happy to get the financing initially bc I was badly in need of a car for work, and the payments seemed mangeable to me at the time. In any event, soon after i feel behind on the payments and realized after speaking to other people that I was being charged over 10 times what the majority of other people in the US pay on auto loan interest. And, my rate is close to 30 % annually. This account is destroying my credit and ultimately my life experience. NOT TO MENTION THAT THE CAR WAS A LEMON. HAVENT BEEN ABLE TO DRIVE IT IN OVER A YEAR. Please help. Thank you.

Company response to consumer: Closed with explanation