vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 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: GA

Complaint narrative:
Commonwealth have violated my HIPPA rights!!!!

Commonwealth sent information about my medical records without sending me a copy of a HIPPA release form. Commonwealth have violated the HIPPA laws and they have one or two options : 1. Pay me a fine of {$50000.00} for violating my rights or 2. Remove this from my credit file ***If this is not removed from my credit report within the next 30 days my lawyer will be in touch for the lawsuit of HIPPA Violation and we will be suing for {$50000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX and Equifax are still showing incorrect information. It shows that Chapter XXXX bankruptcy discharged that was original date filed/reported was XX/XX/XXXX Reference # : XXXX That was discharged and satisficed by the courts years ago!! And should have been removed I was educated on by the courts would fall off after being discharged. After starting a business with a bad partnership failed I was left caring more debt then I could handle and was recommended by my lawyers to file. I tried my best to stay afloat as long as I could but unfortunately couldn't keep up and had no other choices to file bankruptcy but at this point I've done nothing but positive things with my credit and bank relationships and even have an boosted my FICO score with XX/XX/XXXX because they have complied and removed the BK earlier this year when they should have and were supposed too. It's been discharged and satisficed by the courts since XX/XX/XXXX. This needs to be updated and removed from XX/XX/XXXX and Equifax as soon as possible to start reporting accuracy and not outdated false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I placed an order with XXXX XX/XX/2020. Directly emailed them after placing the order for shipping information. They would not respond. So, I said if they will not respond please cancel my order. Then they responded saying that the items were out of stock and they're on vacation. All sorts of excuses. So, I said please cancel and give me my $ $ back. this is fraud at this point. It's been over a week and you can't tell me when I'm gon na get my items. So, I called my bank and had them, what I thought, credit my money back to my account for fraud being the case. then XX/XX/XXXX over a month later I get a package in the mail from XXXX. It wasnt even the items i originally ordered! I never ordered what was that in the bag. On top of that it wasn't even wearable, it was absolute garbage. But, None of that is here nor there because I canceled the order over a month and a half ago. Why can my bank not protect me? Isn't that what they're for for fraud like this? So, after calling the bank and trying to get my money back ( again ) they were trying to say that it was my fault that since I receive the package. but, this is a package that I tried to cancel and have proof of my emails and correspondence with the company ( and the bank ). If they had this information on XX/XX/XXXX and gave me my money back why would it take them over a month and a half to research to find out if it's pot or not? They just a lot of them the time to pack up some stuff that I didn't even order and send it to me with a tracking number. I thought my financial institution would protect me and they did not. It was XXXX. I did everything I could to try to get my money back the right way. Through sending the company over 11 emails with them. Then within a few days calling my bank and then having them try to help me. I feel like I'm not only getting robbed from XXXX but now From my own bank, that supposed to be protecting my $ XXXX Chase bank. The company is https XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: NJ

Complaint narrative:
I HAVE HAD A CHNACE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2020-12-08 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: NJ

Complaint narrative:
I HAVE HAD A CHNACE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
XXXX XXXX XXXX company sent me a letter in XX/XX/2020 stating that I needed to submit a request for validation within 30 days of receiving the letter. Request for validation of the debt was sent to XXXX XXXX XXXX and LVNV Funding on XX/XX/2020 and a response was never received. On XX/XX/2020 a summons was left in my driveway stating that I was being sued by the company and the date that the lawsuit was filed on XX/XX/2020 which was 40 days AFTER my validation request was sent however no response was provided which violates my FDCPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
LoanDepot was grossly negligent in their handling of my refinance application. I refinanced my LoanDepot loan with a 3.6 % interest rate, for a new LoanDepot loan at a lower interest rate. Given that I was refinancing my loan with the same company, I would've expected the process to go smoothly. I provided all documents needed to refi within a few days of starting the process and paid for the appraisal. The entire process took 5 months when it shouldn't have exceeded 30 days. In addition, their negligence cost me an additional mortgage payment of over {$3600.00}. By contract they were supposed to fund the loan on XX/XX/2020, they did not fund until XX/XX/2020. XX/XX/XXXX was my deadline to pay that month 's mortgage payment. 

When I reached out to my loan officer XXXX XXXX, he informed me that since my last payment exceeded the amount of the loan, it would be reimbursed to me. The title company sent my a check for only about {$1600.00} ( {$600.00} of that was already slated to be my cash at closing ), so about {$1000.00} was added in addition. There is an additional {$2600.00} that is missing. 

In addition, I was charged about {$600.00} for an appraisal that never took place in person. The appraiser never inspected my property. Therefore I should've been charged less. 

My first experience with LoanDepot went well, but this last experience was a nightmare. Their staff did not communicate well. They were unavailable, and as of late, are completely ignoring my communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
We signed up for a no cost loan with XXXX interest in the first 12 months. We signed up for automatic payments at an accelerated pace that would pay off the loan WELL ahead of the end of the promotional period. About 6 months later we made the final payment, and the automatic payment system charged us over {$100.00} dollars in excess of our loan amount, as if we had been accumulating interest all the time. 

I called and Greensky said they would process a refund, and that I would get my money back in 14 business days. So just in time for XXXX they get an interest-free loan from me for almost a month. 

They claim that they would have EVENTUALLY refunded my money even if I did not call to demand one, but I have my doubts. I think the way this company does business is extremely questionable. I have doubts as to the legality of holding my funds hostage this way, and I suspect they are hoping that less vigilant customers do not notice that they have been overcharged and never demand their money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 50 days since I sent my letter and I have yet to receive a response. I feel like I my disputes are being ignored and I am being taken advantage of. It is stated in secton 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 50 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. My information was also impacted by the XXXX  Data Breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 50 days since I sent my letter and I have yet to receive a response. I feel like I my disputes are being ignored and I am being taken advantage of. It is stated in secton 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 50 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. My information was also impacted by the XXXX  Data Breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
in response to Experian, I XXXX XXXX XXXX am a victim of identity theft and I did send in this complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2020, merchant XXXX erroneously charged me {$49.00} for a subscription that was cancelled in XXXX. I contacted Capital One to request a refund. Capital One initially processed a refund, then reinstated the charge after receiving a response from XXXX  that it was a store credit and that they had not received my cancellation request. Capital one then asked me to submit a response, which I did on XX/XX/2020 explaining the circumstances under which I'd cancelled the subscription service. 

To summarize, XXXX claimed I never cancelled, even though I did. Looking at their complaint history on the XXXX XXXX XXXX, they have literally hundreds of complaints in recent months of people having the same issue : being charged even though they cancelled, and XXXX claiming they never received a cancellation. 

Additionally, as further proof that XXXX did indeed receive my cancellation, I did not receive a monthly newsletter from them at the beginning of the month in XXXX as I usually did. That's because I cancelled my subscription. I did however get a notice from them approximately 10 days after the monthly newsletter is supposed to go out that they charged my credit card. 

After complaining to the XXXX, XXXX responded that because of the chargeback to Capital One, they have now refunded me in full. On XX/XX/2020 they wrote : " After reviewing your account, I do see a chargeback has been filed with your financial institution. Please contact your bank, as those funds now lies with your bank. '' Even though the merchant is now agreeing with me that they owe me a refund and that the refund has been processed, Capital One refuses to refund me. 

I have been charged {$49.00} erroneously, and I would like this fee along with any interest charged on this fee refunded to me as soon as possible. 

I have attached the " Download Complaint Form '' text document which is a printout from the XXXX  website, and I have also attached a screen capture ( " XXXX '' ) from the XXXX  website. Additionally, I've included a copy of my XX/XX/XXXX letter that I sent to Capital One ( " XXXX '' ) disputing their decision to reinstate the erroneous charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: CA

Complaint narrative:
On XX/XX/XXXX I received three calls from a company claiming to be debt collectors. 
The first call was at XXXX, second call XXXX, and third call at XXXX. ( California time ) They insisted I pay {$800.00} upfront and give my debt card information over the phone. 
I told them I dont mind sending a cashiers check, but they said I can not do that. 
I spoke to their female Manger and she mentioned my debt was {$700.00} ... Which is a different amount that was said prior. 

I call them at XXXX and ask them to send me a validation letter in the mail, but the guy says they can not do that and if I dont pay today, they will charge me 7 % everyday of interest. 
I told the guy I was at work and didnt have a card on me, and he rudely says who doesnt take their wallet to work .. then I tel him I have XXXX XXXX ( only works in stores ) and he starts listing companies Ive never used before. 

I would love to pay debts correctly, but this seems like a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo continues to send unsolicited credit card applications to my house in the name of a person who doesn't exist, does not live here, and has never lived here. I know because I am the actual owner and had the house built. I'm the only one who's ever lived here and have nothing to do with Wells Fargo and would never have anything to do with them. I have mailed them letters demanding they stop and the junk mail continues.

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 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Needed a quick loan, so I reach out to a loan thing on the internet, filled out my information then the next day my account plus saving was gone! My bank want me to file a police report in Oder to reopen my case

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 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/2020 a notice of payment was sent 2 my address from Jefferson Capital. The notice stated that there was an account that was in collections. The amount was {$1600.00}. This account is the result of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I bought a car radio on XX/XX/2020. I was told I was going to get a call when the part comes in to the shop. I did not receive a call in over two weeks. So I call the shop back and was told the part was in and to bring my vehicle in to get service. I was not able to bring the vehicle in two and half weeks after purchasing the product which I did not receive due to vacation and quarantine issues. In the meantime I travel back home to XXXX, Ga. Thereafter I called the merchant back to request for a refund in which the guy who service me stated I could dispute it with my bank. Four weeks later I called the merchant again and was told the guy who service me was fired and no longer working at the shop due o other unrelated issues.I notified the shop that I needed a refund in which he stated the refund will be issued by my bank. As of today I have not received a refund for the full payment of {$730.00}. The owner of the shop stated to me he is not certain if I received service or the product. In the meantime I received a letter from my bank stating MasterCard stated the product was shipped to me but the merchant never supplied a shipment receipt of the product. I rebuttal the decision with my bank in which I was told I could contact CFPB to assist with this matter since the merchant is not responding. I also made a complaint with the XXXX  in which the merchant never responded back neither complaint # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a compliant to Experian, and there response is that I did not send in this request. My name is XXXX XXXX XXXX, and I am a victim of identity theft, and I am sending in this complaint for the second time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Millennial Home Lending, Inc
State: OH

Complaint narrative:
I received a letter from Millennial Home Lending Inc. addressed to me and the bank I have my current mortgage through ( XXXX XXXX XXXX  XXXX. The envelope looked as if there was something wrong with my mortgage with comments on the front of the envelope " Please Open Immediately '' " Time Sensitive Information '' " Expedited Service '' along with a " release signature '' section indicating something needed to be signed. When I opened the envelope, it was only an advertisement to apply for a new mortgage. The outside envelope made me think there was something wrong with my mortgage with XXXX XXXX XXXX. I feel their approach was deceptive by including my mortgage company name in the addressee section of the letter. It's obvious the placement of information and the urgency of the information listed on the envelope was made to scare or worry the individual as if there was something wrong with their mortgage. I feel this is meant as a scare tactic and a deceptive way to make people think there is something wrong with their mortgage and more importantly that the letter comes from my mortgage company when it didn't and has NOTHING to do with my mortgage.

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