vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Im a XXXX veteran  and receive all of my medical care through the VA. But I had an emergency room visit, which the VA is suppose to cover. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following companies have violated my rights : XXXX XXXX XXXX ; Account # xxxxxxxxxxxx XXXX for {$580.00} XXXX XXXX XXXX ; Account # xxxxx XXXX for {$7200.00} XXXX XXXX XXXXy for {$850.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, XXXX  I filed a XXXX. XXXX BK as the property was titled to the XXXX XXXX XXXX XXXX. XXXX XXXX. On the day of foreclosure, XXXX, XXXX  the law firm of XXXX XXXX arranged a hearing one hour before the sale ended at XXXX P.XXXX. in the BK court to set aside the automatic stay. XXXX claimed I had filed the XXXX pro se when the papers clearly stated that my brother, XXXX XXXX XXXX, XXXX, a liscenced attorney was representing me. I asked the Judge to allow me to bring in a close friend, also an attorney in and she denied my request. Four attorneys for Wells Fargo spoke at the hearing purposely running up the clock. At approx. XXXX the Judge lifted the automatic stay ; at XXXX XXXX  Auction.com put the property back on their web site. At XXXX XXXX XXXX. my home of 26 years was auctioned off as an R.E.O. property. There was no one that late in the afternoon at the courthouse to bid on the property. I, personally, had the money to bid on my own house but did not have time to make it to the auction in XXXX minutes from the courthouse downtown XXXX to XXXX XXXX. 
The BK court did not enter into the court records ( docket ) the lift of stay until XXXX XXXX. after the foreclosure auction took place. This alone should have overturned the foreclosure sale as a wrongful foreclosure. A wrongful foreclosure suit was file and finally right around the time of Covid19 my attorney XXXX XXXX and attorney XXXX XXXXXXXX XXXX XXXX XXXXXXXX through a third party entered an agreement to sell the property to a third party for {$450000.00} and I would drop my lawsuit. After numerous calls to my attorney he suddenly appeared over the phone and informed me he XXXX  up and let the contract expire. We renegotiated and agreed to pay a higher price of {$490000.00} and XXXX XXXX refused. We later went to XXXX, XXXX 's corporate office in the XXXX, XXXX Building and offer to tender a cashier 's check for {$490000.00} and was again refused. Now, the property went on the market for {$490000.00} and another company is planning to buy the house. XXXX XXXX, rightful owner simply wants his house back and has the money to do so through a third party.because they refuse to sell it back to me personally.

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 2022-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: VA

Complaint narrative:
I have received numerous phone calls, and a letter from Synergetic Communications , Inc for a bill they claim is owed for over XXXX dollars. The letter is vague and does not provide any information about the original creditor. SynerComm refused to give me information. I am assuming it is a medical bill ( because I had a bill similar to this amount which was paid in full ). I told SC this information but they did not listen. They asked for my address and DOB. I felt obligated to share because I called them based on the letter. I am a senior citizen and do not appreciate this tactic. If I knew who the original creditor was I could provide the proof. I do not trust this company and who they claim to be. I pray this is not a scam since I provided my DOB. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
This letter is regarding Navient ( the largest student loan servicer ) and their continued systematic, manipulative, and fraudulent treatment of borrowers. [ i ] I understand that the Iowa Attorney General is a signatory on the XXXX brief filed with the United States Court of Appeals for the Third Circuit on XX/XX/XXXX. [ ii ] However, the class action lawsuit will likely take several years, at best, to resolve. 

Meanwhile, Navient is still making money by actively defrauding borrowers and cosigners in a multitude of ways, to wit : changing repayment plans without the borrowers consent, poor customer service and bad information causing borrowers distress, servicing transfers leading to surprising fees and lost benefits, and Co-signer policies causing auto-defaults and borrower distress, and using roadblocks to refinance keeping borrowers tied to high-rate loans, just to name a few. [ iii ] Specifically, I ask you to provide relief for XXXX XXXX ( borrower ) who owes thousands more than her original loan taken out in XXXX, and XXXX XXXX ( cosigner ). We have tried for several years to have XXXX removed as a co-signer, but every time XXXX gets close to the year required for on-time, level, auto payments, Navient changes the rules quite literally keeping XXXX captive to Navient. XXXX is being held hostage and when she called Navient on several occasions there is always some reason why she can not be released. During one conversation, a Navient rep actually hung up on her! 

If Navient were XXXX or some other company, the public would be enraged, and the government would have fixed this behavior within a year. 

If Navient is doing this to the above-mentioned individuals, it stands to reason that they are treating all customers in this way. 

[ 1 ] The complaint against Navient Corporation, Navient Solutions, and Pioneer Credit Recovery is available at : XXXXXXXX XXXX XXXX.consumerfinance.gov/XXXXcfpb_Navient-Pioneer-Credit-Recovery-XXXX XXXX 1 ] XXXX brief filed in the U.S. Court of Appeals for the Third Circuit XXXX XXXX XXXX [ 1 ] XXXX XXXX //www.consumerfinance.gov/XXXX/cfpb-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I received a call from the company that someone applied for credit in my former name. I denied completing any application for credit. The company closed the application. I then contacted XXXX because my credit score decreased XXXX points. I contacted the XXXX XXXX Department who took the inquiry off my account. I was then told to file a fraud report with FTC.gov/Fraud Alert which sent me to CFPB to file a fraud report. I sent the fraud report to all credit reporting agencies. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I called into the branch on XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, il XXXX, several times and had to deal with the unprofessional nasty branch manager. I called two weeks ago to inform her that I attempted to open an account online and that I was advised I needed to go into the branch to provide the documents. When I called and informed the lady she said she would call me back and never did. I called again last week and spoke to a lady and asked to speak to the branch manager since I had called and already had an issue with someone who supposedly was going to call me back and never did ; the lady on the phone told me the branch manager was helping another customer. I then asked her well what is the branch managers name, she then changed her dialogued and told me that she was the branch manager and that she was busy and hung up the phone on me. I was beyond XXXX off at this point of how nasty and rude this lady was especially to try to manipulate me into thinking she was someone else on the phone by referring to herself in the third person. I called the bank 's customer service department and talked to a pompous guy named XXXX. I explained to him the whole situation and that I wanted to put in a formal complaint against the branch manager he claimed that he had completed the complaint but that he wanted to try to reach out to the bank directly and see if he could reach the branch manager. He disconnected the call and no one from this bank has tried to resolve or contact me regarding this matter nor was the complaint ever filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I opened a chime checking and savings account on XX/XX/XXXX XXXX i deposited XXXX dollars .on XX/XX/2022 chime locked and closed my account for no reason at all. they told me in order to clear this up I had to send in documents. which I did on XX/XX/2022. I received no answer or returning of my XXXX dollars. its has been 90 days and still nothing. they dont even response to my inquiry when email or call please help me get my funds back from chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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 submitted a ID theft report ref XXXX AND the information required as laid out in the FCRA. Then, Equifax decides to tell me that I need to reach out to the furnishers myself and completely ignore what their requirements are. Then, I submit another complaint and their response is to provide MORE information when I clearly REFERENCED the complaint that outlined the information they needed. Ref XXXX for their latest response. At this point, they are playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
My mortgage is from M & T bank. I used to have loan modification offer plan from M & T bank, due to Covid 19 hardship situation. The bank offered me to pay {$46000.00} as a trial period. 3 months. Starting from XX/XX/2022 till XX/XX/2022. Also they offer me to drop my interest rate from 4,75 % to 3 %. 
But, after I finished my trial period, I paid in time, M & T bank called me, and told that they made a mistake and they cancel all deal between us. The bank told me, that I have to pay them around {$30.00} XXXX, otherwise they will take me foreclosure. I have all documents prove my words. I have signed and notarized agreement for this loan modification contract. Please help me. I have never missed any payment to the 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 non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I received an email notification from PayPal that I had transferred {$200.00} to my son. Shortly thereafter, I checked my PayPal transaction history and it indicated that I had sent two payments of {$200.00} each to my son on XX/XX/2022. I changed my password immediately and notified PayPal that I had not sent the money on either transaction. They looked in my history and saw that I had previously sent money to this son and said nothing was wrong and that they were doing nothing. Yesterday, XX/XX/XXXX, they sent my son an email saying that they were holding one of the {$200.00} transactions because of suspicious activity on my account. They refuse to address the basic problem that someone made two {$200.00} unauthorized transactions removing a total of {$400.00} from my bank account. This is theft and fraud. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: IL

Complaint narrative:
I have been disputing negative elements of my credit for a long time and I have not received a response from the credit bureau. For example, I have an account in " Repossessions '' status with XXXX XXXX and it is not correct, I am up to date with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MI

Complaint narrative:
True Accord has infringed upon my rights to privacy and has been using harassing tactics to coerce me into paying an alleged debt. True Accord has violated my federally protected rights under the Fair Debt Collection Practice Act writing me more then 50 emails from XXXX XXXX using obscene and propane. They are contacting me during work hours which is also a violation of the FDCPA. This debt is not mine and I all communication from this debt collector to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 

15 USC 1681 section 602 A I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 

15 USC 1681 section 602 A I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
Never received information about the debt. debt appeared on credit report. Not able to verify if the debt is mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX/XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been charged XXXX insufficient fees. Per their website, all of the transactions do not qualify for an insufficient fee. If something has changed, then they need to update their website ASAP. I will be getting money in my account by tomorrow morning to cover the negative balance. When people go below their balance, that means they are struggling financially. I oppose charging customers repeated fees punishing them for life circumstances out of their control. They are making it harder for me to catch my breath and get up to speed on my bills. I want the fees waived ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2022-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
Cashapp froze my card after I put my pin number in wrong. It locked all transactions. I called them to have the card back enabled the first bad english speaking guy disconnected the call. When I called back the lady said she fixed the issue and it was resolved. The card is still locked and blocked from transactions. I waited for hours and hours with no resolution and then I tried chat support all they did was send me a bunch of useless templates that still wont allow the card to be used. Now cashapp is fraudulently holding my funds and card access hostage without releasing the hold on the card. I've explained to them the card is unlocked, its enabled but there's a system issue that is not allowing the card to make purchases and they clearly see that because when the card is declined it sends a cashapp notice saying the card is not enabled due to unusual activity. So I am beyond past frustrated dealing with this low budget foreign people that barely speak english and are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This started in mid XXXX, XXXX. I received a legitimate email from my credit-monitoring company that a credit report was requested. In short, someone was trying on XXXX occasions to open a credit card in my name. Two involved Bank of America and the other XXXX XXXX. So far, no card was actually opened but a new credit card was delivered by US mail to my home address. Luckily, I caught it, notified the bank and destroyed the card. All three credit-monitoring companies ( XXXX, XXXX & XXXX XXXX XXXX have been notified plus I filed a police report with my hometown P.D. in NJ. I want to be sure I am covering all bases. I contacted social security because I receive monthly benefits ( I'm XXXX XXXX XXXX and retired ).

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