vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX, XXXX est I was called by PayPal Smart connect Synchrony Bank in an attempt to collect a debt. The person said I was in collections for {$230.00} past due. I said no- thats not possible I am enrolled in a payment plan for {$140.00} a month. Its due XX/XX/XXXX. He then hung up and I called back, at XXXX am after logging in and verifying I was not behind. 

The next person told me when I entered into the payment plan I had an {$86.00} payment not paid so that collections would continue to call and remind me. I asked to speak to a supervisor- XXXX XXXX XXXX. She was extremely rude and obnoxious- telling me my last payment was made XX/XX/XXXX and I would be called because no payment had been made within 30 days and my payment due day is not XX/XX/XXXX as my bill states but 30 days after my last payment. I explained I pay over the {$140.00}, and make payments frequently throughout the month, but the minimum due is always paid before the due date. 
She continued to argue with me for the 31 minute phone call stating my due date is 30 days from my last payment, the account would be put into collections and I would be mailed correspondence and no longer called. I said this is harassment to keep calling me before my due date. She insisted I was {$580.00} behind even though that is not what my account is reporting.

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 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Back in XXXX of 2021, Specialized Loan Servicing told me they would take off the late payment so it would not reflect on my credit report but as of today they have not done so. I called them numerous times and they indicated the late payment would be removed and report it to the Credit Bureaus to remove it off my credit report but to no avail has that been done.

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 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC

Complaint narrative:
Loan Number : XXXX Date : XX/XX/XXXX Loan Provided by : A & XXXX MORTGAGE XXXX ( NMLS # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Property Address : XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXXXXXX XXXX XXXXXXXX Apartment is for rental purpose. 
Last year XXXX, XXXX XXXX sold to another company " Specialized Loan Servicing LLC '' XXXX XXXX changed our new : loan number XXXX without informed us by XXXX, no Cell/phone call, no notice or letter at all, We registered with XXXX XXXX XXXX XXXX our data and address is XXXX XXXX Only XXXX Tenant informed us the XXXX is being service Notice for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Loan Serving. 
Monthly mortgage payment/ {$2300.00},, Since XX/XX/XXXX there is XXXX XXXX XXXX XXXX until now XXXX, total XXXX  months plus {$25.00} XXXX total {$19000.00}. 
XXXX XXXX, XXXX XXXX XXXX phone numbers : XXXX XXXX, we've called many days ( long distance call XXXX XXXX XXXX ), could not get through! 
www.sis.net, we don't get no relpy at all. 
Since they canged our loan numbers last year without even informing us, I try offer to send the outanding XXXX XXXX {$19000.00} to resolve XXXX problem They just don't comunicate or answer us. 
We registered with XXXX XXXX, our address : XXXX XXXX. Email : XXXX XXXX XXXX, XXXX XXXX Sir, XXXX, please respond to us as soonest as posible

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 2022-02-14 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: TX

Complaint narrative:
I have no knowledge of these following accounts that appears on my XXXX credit report. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these account. I am requesting full validation for the following account names as it appears on my credit report : a. XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX {$1900.00} Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$62.00} Account number XXXX c. XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX {$74.00} Account numberXXXX d. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1600.00} Account numberXXXX e. XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$92.00} Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX {$52.00} g. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1500.00} Account numberXXXX h. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Account number XXXX {$63.00} I have been receiving these collections calls and questioned about my medial situation which is a violation of my HIPPA right of privacy. My plan is to file a HIPPA violation. 

I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX I received an unsolicited Cash App card in the mail. This card is drawn on XXXX XXXX out of Ohio. After trying to reach both XXXX XXXX  and Cash App, with no success, I opened a complaint with XXXX. I received a response from Square Inc on XX/XX/XXXX telling me the they permanently disabled the Cash App account and Cash Card associated with my personal information. 

Almost a year later, on XX/XX/XXXX, I received yet another Cash App card in the mail that I did not request. I was under the impression they had flagged my information to prevent this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
2 months ago citi bank closed my savings account, they said it was due to suspicious activity. I had done nothing wrong or illegal, they said they had to do a investigation and once they did this investigation, that they would cut me a check for the balance in my savings account. I was getting text messages everyday that informed me of my balance, my balance was XXXX all the way up until XXXX XXXX then I got a message saying my balance was XXXX cents. I tried to call and couldn't get through, then XXXX delivered me a check from the bank for only XXXX. They owe me roughly XXXX dollars. I do not understand how they could have held my funds in the first place, and then to not even pay them back is unexceptable. I lost my car and my utilities have been off for over a month now because I was denied access to my own funds. Please help me, I have tried everything to work with this bank, all they keep saying is you'll get a letter. I don't want a letter I want my money.

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 2022-02-14 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: TX

Complaint narrative:
Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following inquiries as it appears on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX I wish to see the original sources of the information reported including, but not limited to, the original Credit Inquiry Authorizations with my signature . If you cant provide me with this information, please remove the attached list of Inquiries immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: AZ

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-14 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: TX

Complaint narrative:
I have no knowledge of these following accounts that appears on my XXXX credit report. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these account. I am requesting full validation for the following account names as it appears on my credit report : a. XXXX, XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX {$2300.00} Account numberXXXX b. XXXX XXXX XXXX Original creditor : XXXX {$250.00} Account numberXXXX C. XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX {$72.00} ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$76.00} Account number XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX {$250.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$520.00} Account number XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: WA

Complaint narrative:
My payments for my XXXX XXXX XXXX are XXXX a month. In the month of XXXX I split the payment by paying XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I received notice around XX/XX/XXXX that the finance company had not received a payment for XX/XX/XXXX. After showing them my bank statements to prove that I did pay and also pointing out that their own website has the 2 transactions that equaled my monthly payment they said they would look into the issue to see why the system wouldnt recognize my payment. I made my XXXX payment in one sum and yet again received a call ( XX/XX/XXXX ) starting I was 16 days past due. During that call I was told that I had missed my XXXX payment and that Exeter Finance believed I still owed for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc.
State: NJ

Complaint narrative:
I was in a car accident on XX/XX/XXXX and received services from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX billed my car insurance company XXXX XXXX {$1500.00}. XXXX XXXX allowed {$650.00} and paid {$520.00} leaving a deductible of {$130.00}. XXXX XXXX also submitted the charges to health care insurance XXXX XXXX XXXX XXXX XXXX which allowed only {$280.00} of the submitted charges of {$1500.00}. XXXX XXXX paid -0- and determined that I did not owe the provider because the other insurance ( XXXX XXXX ) paid more than the allowable amount. It should be noted that XXXX XXXX was a participating provider. Remex, the collection agency hired by XXXX XXXX is claiming that they are refusing to comply with the insurance determination and require full payment/ {$1500.00} to be paid. Their records show that the insurance company made 2 payments of {$520.00} and {$560.00} on XX/XX/XXXX leaving a balance of {$410.00}. My issue is that credit bureaus are not verifying the debt fairly. Supporting documentation submitted by me was not reviewed and/or taking into consideration. The bureaus are leaving it up to the debt collector to decide if they want to accept the information. Their process allows debt collectors to harass and threaten consumers and force payment that they are not entitled too. My credit score has been substantially affected by this debt and I am being force to pay a debt I do not owe if I want to improve my score. I have been harassed, threatened and punished by the collection agency and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: ME

Complaint narrative:
XXXX XXXX XXXX automatically sent me to collections without sending me a bill. Billing company XXXX XXXX XXXX XXXX, MA said they sent me a bill on XXXX, but on XXXX I received a collection notice. I'm not disputing the bill because I know I owe it, but they never sent me a bill of service to even pay it to begin with. 

Called company and they " didn't know how that would have happened '' and also stated that they sent a bill to me on XXXX but it was " returned ''. Funny thing is I got the collection company notice in the mail no problem. Said they would review my file and get back to me. They returned a call and said the bill was taken out of collections and that I could pay it. I paid, but now wonder if I have a blemish on my credit report as a result or if this was just a scare tactic to get people to pay their bill sooner.?? 

I believe the company is automatically sending patients to collections without notifying them of bills. I believed this is engaging in a predatory billing practice and in violation of the FDCPA. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Collection Company : Balanced Healthcare Receivables XXXX  XXXX XXXX, NH XXXX I wouldn't be surprised if these companies are owned by the same person. 

Just bringing this to your attention. 
Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: CT

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INACCURATE INFORMATION from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Had challenges signing on into the accounts. Had to try over and over and over before the system would let me in even though the correct username and password was being used. 

Also on XXXX, XX/XX/2022, twice I called regarding the promotional offer of 3.99 % on all new purchases including online purchases through XX/XX/2022. Not one customer service person saw this offer. No one attempted to locate this offer. I would activate it over and over without success. At first I was told the offer had expired. XXXX would not transfer the call to see what had happened to the officer that would expire on XX/XX/2022, if I did not accept. 

Since opened this account I have been cheated out of these promotional offers. 
My concern is whether or not I am being mislead and deliberately denied the promotional offers that have been made to me. 

The Corporate office is very rude and refuses to talk to me ; so I have to file this complaint once again. There is a very ugly pattern here that may have to be addressed via other means against Barclays Delaware Bank. It appears to be a very common practice to send me these offers and yet fail to allow me to activate and enjoy these offers.

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 2022-02-14 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: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
When selling crypto on crypto.com I am not receiving the correct amount. There is an 8 % difference between the actual value of my crypto and the amount that is received when selling. I have tried to talk to there help team and they just give me a generic answer telling me that the price is correct. I have proof that they are not being truthful.

Company response to consumer: Closed with explanation