vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
This company is reporting to XXXX  and XXXX  on my consumer credit report that a debt is owed to them. I Have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
multiple calls by paypal to collect a debt that has been overcharged.7 calls on sunday XX/XX/2021.

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 2021-04-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX I requested my updated address be the only address on file because I don't want my personal information being sent to addresses I do not live in and showed numerous items of identification my address and it went ignored so I refiled again on XXXX after XXXX  said they couldn't change it and showed more documentation and still nothing changed. I don't want personal mail or information being sent to homes that i don't live in.. identify theft is a serious issue.

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 2021-04-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CT

Complaint narrative:
I agreed to a payment plan but after weeks of paying they tried to say I still have a large amount remaining and it just seemed unprofessional with how they are dealing with the situation now theyre threatening to have me arrested if I dont repay them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
Our house sold and the loan was paid in full on XX/XX/2021. There was a positive balance in escrow. The company ( Hancock-Whitney Bank ) claims the check was mailed on XX/XX/2021. Despite Forwarding orders with USPS and frequent contact with the new buyer, the check was never received. On XX/XX/2021, the mailing address was updated to the new mailing address and a new check was requested. Multiple requests/contacts with the company resulted in a different date when the new check was mailed or would be mailed with each contact. This matter was escalated to Supervisors multiple times ( XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 ). A local branch Vice President was also contacted to no avail. The projected date the new check would be mailed is being advanced 2 weeks with each contact - as of today it stands at XX/XX/2021. That is XXXX after closing of the loan. 

We requested multiple times for the check to be sent overnight at our cost but are being told that this is not possible. 

The Closing attorney informed us this is standard practice of this lender, and all of his customers have problems getting their escrow money back. He was unable to offer additional help. 

It is unacceptable that this is taking more than 90 days under the guise that the department is backed up. 

We believe the initial check was never sent as we received other mail from the same company in the same time frame without any problem. 

This company should be investigated for fraud related to their handling of escrow accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I AM A VICTOM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THE CREDITOR NUMEROUS TIMES, SPECIALLY NOW WITH THE CURRENT COVID 19 SITUATION ITS VERY HARD TO REACH ANYBODY. BUT BOTH ACCOUNTS HAVE BEEN OPENED FRAUDULENTLY AND THEY DON'T BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: NV

Complaint narrative:
My mother XXXX XXXX and I, XXXX XXXX were on a loan that was done in XXXX. My mother filed bankruptcy in XXXX and the first loan which was XXXX XXXX XXXX and second loan which was XXXX XXXX XXXX were discharged. XXXX XXXX, which eventually took over the loan for XXXX XXXX XXXX in XXXX, started a Notice of XXXX in XXXX and did not foreclose on the home. They transferred the loan to the second mortgage company which was XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX then gave another Notice of Default in XXXX. The home was sold at auction in XXXX, XXXX for {$200000.00}. Both companies turned down cash offers in XXXX and XXXX for over {$230000.00} to come to this conclusion. There negligence in responding with counter offers after 30 days was a reason some buyers rescinded other offers also. After researching and hiring a private investigative auditor, they found fraudulent items and all of this led to a wrongful foreclosure. Also on my XXXX Tax Return, it showed XXXX XXXX XXXX 's XXXX showed my Outstanding Principal Balance is {$0.00}. My credit history was outstanding with scores that ranged from XXXX and higher and it should be back near those same scores. 

I have submitted all investigation reports and numerous violations to each credit bureau last year and this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: FL

Complaint narrative:
on XX/XX/2020 XXXX notified Equifax to remove 4 collections from my consumer report. Equifax is in violation of hippa law and this is my third complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This company is reporting to XXXX  on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act ( FDCPA ) section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: MS

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America terminated my XXXX  forbearance. They never informing me they can extending my civil forbearance after XX/XX/XXXX. Instead they referred me to debit management called XXXX. As result I got into financial difficulties damage my credit score and my marriage. 
Why bank of America give me 4 credit card without My application. If they updated my lngotmatiom I lost my XXXX  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 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Winklevoss Exchange LLC
State: WI

Complaint narrative:
Enter the complete name, address and phone number of the business your complaint is against : Gemini Trust Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX United States XXXX What is the name of the person that you dealt with : I have contacted customer care twice with no response. 


Describe your complaint and the events in the order they happened, including specific dates and the activities or practices to which you object. 



1. I purchased XXXX dollars worth of crypto currency. 

2. I created a transfer request of said currency to another of my accounts. 

3. Transfer was updated to complete within a few minutes but was never actually processed. 

4. This same transfer is now 2 weeks old and still does not show up as actually processed. 


What do you think would be a fair resolution to this matter? 



Considering the volatility of the market and ability for me to invest said XXXX dollars, I can only say a fair resolution is becoming hard to calculate. Originally returning my XXXX would have been more than sufficient but after a week I missed a trade interest with a 15 % return. At that point I was satisfied with XXXX. However now another week has passed and a second interest trade has increased exponentially causing me to miss a 100 % + return. Considering the companies ability to take your money in seconds but requiring two weeks to never respond, I feel it only fair they recover me {$200.00} for the missed trades and time. 


Attach any appropriate files to support your case to this e-mail message before sending. 


1. Gemini 's portfolio claiming the trade being sent as well as the initial XXXX dollar investment. 


2. A screenshot from my other trading app from this last few days showing my second major trade interest at a positive 115 %. Mind you an hour earlier this same day the amount was at 150 % though I have no screenshot to provide proof. 


Consent to Release Information - The information provided may be used in efforts to resolve my problem and may be shared with the party complained against. The Department may seek additional information from businesses and I authorize the disclosure of applicable documents to the Department, including those protected by laws such as HIPAA. I understand any information may be subject to open records laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 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 hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM A VICTOM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THE CREDITOR NUMEROUS TIMES, SPECIALLY NOW WITH THE CURRENT COVID 19 SITUATION ITS VERY HARD TO REACH ANYBODY. BUT BOTH ACCOUNTS HAVE BEEN OPENED FRAUDULENTLY AND THEY DON'T BELONG TO ME.

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 2021-04-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I AM A VICTOM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THE CREDITOR NUMEROUS TIMES, SPECIALLY NOW WITH THE CURRENT COVID 19 SITUATION ITS VERY HARD TO REACH ANYBODY. BUT BOTH ACCOUNTS HAVE BEEN OPENED FRAUDULENTLY AND THEY DON'T BELONG TO ME.

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 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Dear CFPB member, I been impacted with covid -19 and I need 3 months more months to restart my mortgage payment, I have no intention of losing home to forclosure.. My mortgage company PHH serviced through XXXX XXXX  phone # XXXX XXXX XXXX has not reached to me to make a resolution to assist me - I have left messages for my account manager in PHH, instead of calling me, i received importance notice forclosure which is attached with my information and they assigned to a forclosure attorney XXXX XXXX XXXX XXXX XXXX without assisting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On my wifes Santander Ultimate Cash Back Mastercard, 25 unauthorized charges, totaling {$4000.00}, appeared from XX/XX/XXXX to XX/XX/XXXX. These charges are all from XXXX, whose XXXX  accreditation was revoked on XX/XX/XXXX. We have never purchased from the vendor before. Making 25 separate purchases from the same vendor within the 48-hour period is very suspicious and is not something we have done in 17 years with Santander. As soon as we noticed these fraudulent charges, we reported them to Santander Bank. 

Here are some dates and actions taken : XX/XX/XXXX Santander initially gave us temporary credit while investigating. 

XX/XX/XXXX We filed a police report online with XXXX Police Department. 

XX/XX/XXXX We received the first denial letter from Santander without any meaningful explanation. All 25 unauthorized charges were placed back on our account. 

XX/XX/XXXX We received another letter, which is almost the copy of the first denial letter. 

XXXX/XXXX/XXXX Upon our request, Santander provided us with a supporting document ; which seems to support our claim more than their denial of our claim. The buyers e-mail address is not ours, and it even ends with the .ru extension, which indicates that it is based in XXXX XXXX The buyers IP address they provided is not ours. 

XX/XX/XXXX We received the second denial letter after submitting the police report and messages from our local branch supporting our integrity as their clients for over 17 years. 

XX/XX/XXXX The first minimum payment of {$40.00} was made to avoid late fees. 

XX/XX/XXXX The second minimum payment of {$39.00} was made to avoid late fees. 

XX/XX/XXXX The third minimum payment of {$93.00} was made to avoid late fees. 

XX/XX/XXXX We received the third denial letter after our attorney contacted Santander on our behalf. 

XX/XX/XXXX The fourth minimum payment of {$82.00} was made to avoid late fees. 

Please help us! Please feel free to let us know if any further information is needed. We would be happy to provide it.

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 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Synchrony Bank of TJX is closing my account due to a auto payment that was returned for no funds. 

I have a new bank account, updated Synchrony Bank account two months ago with new account information in XX/XX/XXXX across all 3 accounts. My account was obviously hacked since the auto withdrawal was taken out a day before the payment was due XXXX. The Auto Payment is due to come out XXXX at midnight. Erroneous payments were shown to have been made on XXXX which did not happen as well. I called on XX/XX/XXXX to pay {$200.00}. to settle this issue. 

This is the first time this has happened to me with Synchrony Bank. I have been a customer with this bank for over 10 years. until this terrible year, my credit was OUTSTANDING. I've always paid the full amount on all my credit cards until COVID. 

This is not my fault. My account has been hacked again, I have someone in my life who is stalking me. I am pursuing this issue with the XXXX  XXXX XXXX XXXX. I believe Synchrony Bank is involved with this individual on this issue since their quite motivated to close my account after one issue ; someone, and I know who this is, paid them off. 

This criminal who has been pursuing me for 15 years has gone to no end to ruin me in every direction of my life with endless income and all the time in the world, spending day and night making my life miserable. 

Legal Counsel has been contacted and will be acquired once I am prepared to take this on. 

Synchrony Bank needs to be on some kind of watch list if there is one. This is a criminal issue and this bank is involved with who is pursuing me.

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 2021-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
Portfolio Recovery Associates LLC has called me several times daily though out the years!!! I have asked them to stop on several occasions and they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
I unable to make any withdrawals from binance us. Im able to deposit, buy/sell but " withdrawals are suspended due to risk management '' is the message I've been getting. I have never made any withdrawals from my account. My first attempt was about 2 months ago. When I got this message, I didn't think anything of it, I thought they're going through some maintenance. A weeks later I tried again and received the same message. At that point I contacted support and have yet to hear back from them. My ticket numbers are XXXX, XXXX, XXXX, XXXX. Its troublesome to believe that a company that holds billions of peoples dollars does not have etiquette support to handle such issues. I have over {$90000.00} in the account I cant withdraw from or get any response from support. 
Please help my account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: FL

Complaint narrative:
Applied for loan with XXXX who shot gunned the application to about a dozen finance companies. Information returned indicated that I had charged off a {$1500.00} charge on an XXXX credit card affecting the interest rates offered negatively. I contacted XXXX, one of the credit reporting agencies and disputed the information they had on file for me. corrected some of the information but left the charge off from XXXX and an Alias they had listed for me. Apparently the individual involved in the XXXX charge off was named XXXX XXXX who lived in the home I occupy previously. The name XXXX XXXX as listed as an alias I had used in the past. 

XXXX corrected most of the incorrect information but left the charge-off and the alias of XXXX XXXX. They indicated XXXX says the information is correct. I've since contacted XXXX and they will share no information with me. Later, I received a shipping notice from XXXX for a purchase I did not make. I also recently received a notice from XXXX XXXX XXXX trying to collect another XXXX debt that is not mine. Reference # and XXXX XXXX were included. I contacted XXXX again and they refused to get involved even though they sent the information to XXXX XXXX.

Company response to consumer: Closed with explanation