vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Profit Services Group
State: GA

Complaint narrative:
The company PSG has reported multiple accounts and multiple duplicate accounts on my report. I have disputed these accounts three times. I have included two of my previous challenges all sent certified mail. With NO RESPONDES from the creditor. There are six collections on this account. Three ar4e duplicates that does not belong. I have disputed the info on XX/XX/XXXX and XX/XX/XXXX asking them to verify the date. They had 30 from the date of both letters to verify the date and I have received NO RESPONSE.

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 2022-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues attempts to collect {$100.00} for non-return of equipment when my account was closed on XX/XX/XXXX, despite documented proof ( " XXXX XXXX Return Receipt '' ) provided to them that the equipment was returned on XX/XX/XXXX. Their most recent correspondence ( XX/XX/XXXX ) completely ignores my documentation proving their billing error, refers to my dispute as an " inquiry '', and misrepresents an enclosure from XXXX as a " response '' to my submission when the enclosure is actually not a response but is only copies of erroneous billing statements dated XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
My husband and I have a HELOC with US Bank. When we used it early last year, I set up an automatic payment through my online banking at another bank to pay {$500.00} a month, even though the amount of our payment was less than {$100.00}. In XXXX, 2021, I had major surgery and was in the hospital for 4 days and on pain meds for a while thereafter, so I was not paying a lot of attention to my finances. For some reason ( probably my fault ) the automatic payments stopped in XXXX, so I missed my XXXX payment. I realized it when I received my bill from US Bank on XX/XX/XXXX so I immediately reinstated my $ 500 monthly payments and paid the bill that day. ( I paid {$500.00} even though I only owed {$100.00}. ) On XX/XX/XXXX, I received a notice from the bank that my ability to draw on my line was suspended due to non-payment. ( The letter was dated XX/XX/XXXX, so it is entirely possible they had not received my payment. ) The issues I have are : ( 1 ) I attempted to call the bank in XXXX when I realized I missed a payment to explain what happened. I also attempted to call when I received the suspension notice. Each time I tried to call, I received a message " We are currently unable to take your call- please call back. '' There was NEVER any opportunity to leave a message or speak to a live person. 
( 2 ) At no point did I receive any notice from the bank that a payment was past due, even though they clearly have my address, phone number, and email address. Had I been notified, I would have paid the amount due immediately. I take exception to this treatment : never at any time have I ever missed a payment and I have always paid much more than the minimum amount. I am furious that the bank never afforded me the courtesy of reaching out to remind me that a payment was due or that I missed a payment, knowing that I am and always have been a good and reliable customer who has always paid on 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 non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, XXXX, Transunion XXXX XXXX company {$450.00} XXXX XXXX A collection account can not have a past do Balance. I never had a payment arrangement on this fraudulent account. This is a violation of the FCRA .Please delete this account from my credit report. Debtors creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and Say its mines. According to the FCRA XXXX has violated my rights as Consumer and Im requesting legal action to remove this account immediately.

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 2022-01-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This was a commercial XXXX XXXX ( {$700000.00} ) that was not handled properly. Through no fault of my own, the transaction failed to complete. Contract was dated XX/XX/XXXX. Failed on XX/XX/XXXX. 

Please find multiple attachments of the history and repeated efforts to resolve this with the parties involved. 

Thank you for assistance and attention to this life changing catastrophe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: GA

Complaint narrative:
Servicer received payment of {$1700.00} on XXXX. Check was deposited the same day. Servicer has yet to apply payment to account via conversation with customer service and online account. Borrower is concerned that servicer will still report payment as over 30 days late and will ultimately hurt borrowers credit score even though payment was made within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
XXXX Receivables XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, has been sending me collection notices for {$1600.00}, the collection has been as reported pass due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I never did any business with the original creditors where the claim the debt came from. Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( XXXX ) injunctive relief to prevent or restrain a violation of this chapter; and ( XXXX ) actual damages sustained as a result of a violation of this chapter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
This regards an XXXX XXXX XXXX issued by XXXX and their failure to address 263 charges of {$20.00} each made toXX/XX/XXXX, which I did not make, over a 2-day period in XX/XX/XXXX. I first noticed these charges, totaling around {$5000.00}, on or near XX/XX/XXXX and calledXX/XX/XXXX customer service immediately. I have never been toXX/XX/XXXXand never visited XX/XX/XXXX online. I did not make these charges. I was told a " case '' was opened and that this would all be addressed. A new card was issued to me. 

A few weeks later, I noticed that these charges were ALL posted to my NEW credit card ( dates of posting were between XX/XX/XXXX and XX/XX/XXXX ). Again I called and was told this was a " mistake '' and that another new card would be issued to me. I was issued a new card and have never activated it, never used it. However, as I kept checking my account online, the XX/XX/XXXX charges were not disappearing and showing up as balance owed ( with interest accruing ). I called again to complain and was told a case had " not been properly filed '' but that it would now be done, and I shouldn't worry. I also began sending messages through the online portal on my XX/XX/XXXX account. After >50 messages sent, not even one has ever been responded to. 

Now, as recently as XX/XX/XXXX, about 75 % of the XX/XX/XXXXcharges from XX/XX/XXXX and XX/XX/XXXX were posted to my second new card. This is the card I HAVE NEVER USED NOR ACTIVATED. Today ( XX/XX/XXXX ) I called yet again to complain and was told AGAIN that a case had not been " properly '' opened. It has now been >90 days. My credit card balance remains around {$4000.00} from charges I never incurred. Interest is accruing. A XXXX payment is due. My credit score will undoubtedly be affected. I have a daughter in college and am taking out loans for her. This may not be a serious situation to XXXX, but it is dire to me. The US Federal Trade Commission is my last step before considering private legal action.

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 2022-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
The website where for my account has not allowed me to view statements or make payments for the last several months. The company 's customer service is non-existent, inaccessible and non-responsive. The attached screenshot proves this. This has caused me to be late on several payments.

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 2022-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
Our mortgage was sold to BSI Financial Services Im XX/XX/XXXX or XX/XX/XXXX. We are unclear on this. We tried to pay our XX/XX/XXXX mortgage payment to our previous servicer on XX/XX/XXXX but we were unable to, I emailed them and received no response. A few days later we received a letter saying our mortgage was sold to BSI. The letter was from our previous servicer.

We have not received a statement from BSI. We have only received a call saying we are to pay them. They are unable to provide us with a statement. We are unable to create an online account because their online portal doesnt work. We have no electronic or paper statements from BSI and they seem unwilling to supply one. Our credit report doesnt even reflect that our mortgage has been sold to BSI. It currently shows we have zero mortgage debt. BSI has been emailing me twice a day for the past week to set up autopay which I refuse to do until I see a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: SC

Complaint narrative:
Product failed as advertised. XXXX XXXX was unable to fix.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
NOTE : THIS IS A FORMER COMPLAINT. I AM EDITING TO SUBMIT ONE MORE DOCUMENT THAT SHOWS THE DEPOSIT OF {$5400.00} INTO MY CHECKING ACCOUNT ON XX/XX/XXXX. 

Hello, I am having an issue with Chime bank not providing me documentation in regards to a deposit from my Chime Credit Card builder into my Chime checking account. I sent my first requests for documentation via the mobile app on XX/XX/XXXX and never got an answer. I then sent an email requesting a letter from Chime Bank on XX/XX/XXXX that verifies that I moved {$5400.00} from my Chime Credit card builder into my Chime checking account. I requested that the letter be on Chime letterhead for documentation purposes. I am in the process of obtaining a home loan, and the mortgage company is requiring that I provide documentation of all large deposits into my checking account. The issue with the Chime credit card builder statements is that they DO NOT show movements of my bank account funds into and out of the credit builder account. There is no way to get this information online or in the mobile app. Screen shots of a mobile app bank list are not acceptable documents for my mortgage company. For that reason, I requested a letter from Chime to verify that the Chime credit Builder is an account in my name and that I moved {$5400.00} out of the credit builder and INTO my Chime checking account. For reference I provided the XX/XX/XXXX statements for both the credit builder and the checking account. Note on my checking account statement, there was a deposit of {$1000.00} into my XXXX XXXX on XX/XX/XXXX. There is nothing on my credit builder statement that shows this deposit. The only thing the XXXX XXXX XXXX list are purchases I made with the credit builder card. I have spoken with 3 phone reps and one supervisor. None of the phone agents have the ability to provide me this letter. The supervisor helped me submit a request, but my support requests are being ignored by Chime. I have paid {$1500.00} already to start the homeloan process, and without this documentation the mortgage company can not verify the {$5400.00} deposit of funds from my credit builder into my Checking account on XX/XX/XXXX. The Chime app and phone reps I spoke with advised it normally takes 2 to 4 hours to get a response, but that it can take up to 24-48 hours. However, my first request was on Wednesday XX/XX/XXXX and no one is getting back to me. The fact that the phone reps can not provide a simple letter is frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: WY

Complaint narrative:
I was consignor on a vehicle lease. Ally financial indicated a payment was late and reported that to the credit bureaus. I was not notified of the presumed late payment. I contacted Ally financial several times to get specifics, ie date received and amount to compare to the Signor on the lease. Somewhere the lease must have been renegotiated due to Covid. I was not aware of that. Ally financial has been uncooperative in my attempt to obtain information, yet left negative actions on my credit report. Bank statements indicate a different payment status than Ally.

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 2022-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My property ( which has now been sold ) was transferred from XXXX XX/XX/XXXX XXXX Freedom Mortgage on XX/XX/XXXX. At the time of transfer there was a negative balance of {$39.00} in my escrow. I made my regular monthly mortgage payment for XXXX to Freedom Mortgage. Toward the end of XXXX I was offered a lower interest rate to refinance my loan which I accepted and the refinancing took place on XX/XX/XXXX. 

In XXXX after continuing to contact XXXX concerning the refund for property taxes I had paid instead of them, I was informed that on XX/XX/XXXX they had sent by wire a refund of {$540.00} for the property address located at XXXX XXXX Ct, XXXX, Alabama Parcel Number XXXX ). I then contacted Freedom Mortgage and was transferred to their third party billing for Freedom Mortgage who after 50 or more days acknowledged receipt and said that the refund had been turned over to Freedom Mortgage. I have been put off concerning this refund with the message to call every 45 to 50 days. 
I sold the property on XX/XX/XXXX and XXXX and XXXX paid the property taxes for the closing that was set for XX/XX/XXXX. Afterward I received notice from Freedom Mortgage that they had paid the property taxes when they disbursed the balance in my escrow account. I contacted them and was told to give them 50 days to research and verify they had receive the refund from XXXX XXXX XXXX. I gave them another 50 days and still have not received the tax refund for the prior tax year nor for this tax year that XXXX and XXXX has paid. I am seeking to get my refunds for the tax years owed to me. I was informed by the tax department that a refund has been sent back to them from XXXX XXXX commissioner for the property taxes. But no refund has been processed for me. 
I previously filed a complaint with the Better Business Bureau but nothing came of 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 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I initially was able to get to my report online with Experian. I found an unknown SSN and address in XX/XX/XXXX associated with my account. When I went to dispute the SSN, a number popped up stating I had to call that number. I was then kicked out of the website. When I tried to log back in, I was told my user name or password was incorrect. I changed my password. Then it said my user name was incorrect. I recovered my username, which was the same that I had been using. I attempted sign in again, but am only returned back to the same sign in page either with or without an error. I have NOT been able to reach one person for technical issues with the website. Every contact number or link leads only to more automated messages, none provide support for technical issues. So, someone with another SSN may have access to my acct and I can not get an Experian rep on the phone to get back into my online account. This is the most frustrating issue I have ever experienced. There is no indication that I have been locked out of my account, but may have been due to the number of times I tried to gain access with my correct and updated user name and password.

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 2022-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
Reference account # XXXX. 

Loan obtained a few years ago. Was in good standing until I lost my job. I am now unemployed and the loan Has insurance protection if loss of employment should occur. The company one main would not work with me and I am not able to make any sort of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
This company contacted me called the XXXX XXXX XXXX on XX/XX/2022. They said they were working with the government and that I could be eligible for their plan. I signed numerous of documents and one of the documents included the power of attorney document and monthly payments of {$190.00} from XX/XX/2022 to XX/XX/2022 which is a total of {$970.00}. They also stated that after those payments are done, Ill have to pay 5 $ for the next 240 months then when that is done, theyll take away {$26000.00} from my loans. I didnt give them my FSA ID but they somehow got into my FAFSA and gave me a new password. I started realizing this may be a scam the day after which is now when I started doing my research and wasnt seeing any information of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received an email at my place of employment from XXXX stating I owed over XXXX dollars for a credit card from 2006. I do not owe anything. This debt was paid through a debt consolidation company over 15 years ago!!

Company response to consumer: Closed with explanation