vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I contacted XXXX XXXX XXXX regarding credit card debt I owed. I was told by a collection representative to contact Credit Management , LP. at XXXX. I contacted Credit Management, L.P. and made payment arrangements. I was told I owed {$700.00}. The representative and I agreed with {$40.00} monthly. Starting XX/XX/XXXX through XX/XX/XXXX {$40.00} plus a {$5.00} software would be deducted from my bank account. 
Between XX/XX/XXXX - XX/XX/XXXX a total of {$320.00} plus {$35.00} ( software fee ) has been deducted from my account. In XXXX I made several attempts to contact Credit Management, L.P. regarding the balance but never got an answer. I contacted XXXX XXXX XXXX and was told that Credit Management, L.P. usually closes around XXXXXXXX XXXX. On XX/XX/XXXX I contacted Credit Management, L.P. regarding the balance. I was told my balance was now {$550.00}. I asked why was the balance so much if I paid {$320.00} on a {$700.00} balance? I was told by the Credit Management , L.P. representative that XXXX XXXX XXXX was still adding interest to the balance every month. I called XXXX  XXXX XXXX and was told that wasnt true because the account was closed. I requested that Credit Management , LP. send me letter regarding the balance. On XX/XX/XXXX Credit Management, L.P. emailed me a letter stating : Original Amount Owed : {$680.00} Interest Fees ( if any ). {$190.00} Payments : - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00}. XX/XX/XXXX ( their typo, not mine ) Current Amount Due : {$550.00} No mention of the other five payments that were deducted from my bank account. 

When I contacted Credit Management, L.P., on XX/XX/XXXX I was told that they no longer had my account and to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was directly sent to a voicemail system. Something doesnt sound right about this situation. How can interest be applied to a closed account? This is XXXX XXXX me out. 

Address for Credit Management, L.P. 
XXXX XXXX XXXX, XXXX XXXX XXXX, Texas 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 explanation
Consumer complaint received 2021-09-02 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: FL

Complaint narrative:
I sent out a letter for this company " XXXX XXXX '' injuring my credit with this inaccurate information being on my Equifax credit file. Investigation that took place did nothing and did not respond and remove this inaccurate, unverifiable information. They were not compliant and answer when i reached out to this company. Somehow it's saying i owe this when i did not know what they this was. This is my second attempt, please remove this. This has hurt my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was taken of advantage due to malpractice, Due to Covid-19, I was caused financial injury during the Beginning of 2020, i did not receive any income until the month of XX/XX/2020. I wasn't able to make my payments on some credit cards causing a harmful impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
I received an escrow review statement from mortgage company Mr Cooper the other day and immediately saw things weren't right. I called them today and they tried to run me in circles without giving me any straight answers. They are wanting to raise my monthly payment from {$860.00} to {$970.00} because of unknown reasons? Their review says that my homeowners insurance is {$2100.00} from XX/XX/XXXX to XX/XX/XXXX. That is a lie. My insurance agent gave me a quote of {$830.00} from XX/XX/XXXX for the following year. Mr Cooper claims they paid my homeowners twice at some time. XXXX!!! We both would have known if that was so. Mr Cooper is still Mortgage Star and still trying to XXXX people! I know that mortgage rates go up yearly because of property tax increases and insurance rate increases but please!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
My first issue is the the representative whom I spoke with to secure the loan misrepresented the insurance product that they offered. He explained to me that in the event of loss of employment the insurance would pay off my loan for me. Well that did not happen unfortunately I was laid off XXXX XXXX and this insurance product that the Mariner representative sold me on did not pay off my loan. I am requesting that the insurance product they are selling be investigate and properly marketed to consumers with the correct information ... ... ..The insurance will only pay for 3 payments in the event of lose of employment. I am asking they my pay my loan in full as this is how it was advertised to me when sold. 
My second issue is that the insurance company paid mariner finance for my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Payment however Mariner is reporting these as late payments on my credit report. I would like to these late payments immediately removed from my credit report. I have attached the information and emails from the insurance company stating they made the payments directly to Mariner Finance so why are they reporting them as late payment. 

Sincerely XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: PA

Complaint narrative:
I have a paid account from XXXX XXXX I sent Experian the paperwork and it is still reporting as accurate when it is not. There was no investigation 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 2021-09-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was taken of advantage due to malpractice, Due to Covid-19, I was caused financial injury during the Beginning of 2020, i did not receive any income until the month of XX/XX/2020. I wasn't able to make my payments on some credit cards causing a harmful impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was taken of advantage due to malpractice, Due to Covid-19, I was caused financial injury during the Beginning of 2020, i did not receive any income until the month of XX/XX/2020. I wasn't able to make my payments on some credit cards causing a harmful impact to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: PA

Complaint narrative:
Company is in violation. Please update I have a report with the correct reporting of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a letter from Amsher Collection Services , Inc dated XX/XX/2021, indicating the collection of debt. On XX/XX/XXXX, I sent a letter via CERTIFIED MAIL ( XXXX ) disputing the debt and requesting its validation ( not a " verification '' ), pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. In addition, I informed Amsher any reporting of a disputed debt would constitute fraud under Federal & State laws. They were given 30 days to investigate and report back. Additionally, I requested the name and address of the bonding agent for Amsher Collection Services , Inc . 

I received a letter over 3 months later dated XX/XX/XXXX, with none of the information requested, except for a handful of copies of bills from the original creditor. No copies of the contract with myself and the creditor. No copies of the contract with the creditor and Amsher were provided. 

In short, they have grossly violated the FCRA, Federal, and State laws, and I intend to hold them accountable. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Multiple validation requests were sent company failed to properly respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: DISCOVER BANK
State: NY

Complaint narrative:
Someone I do not know hacked my computer and made fraudulent charges on my account amounting to {$12000.00} and was made on XX/XX/2013

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Blockchain.com, Inc.

Complaint narrative:
I use a app called blockchain to buy and sell crypto XXXX ov XXXX I sent a payment ov XXXX to the normal details I have to send and this money didnt come to the account this time I have tried to email the company to sort this but I just get a ticket number and no reply after that its been like 4 month now am just wondering how this can be resolved Ive tried every effort to contacts it them with no clear response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As of XX/XX/XXXX, XXXX XXXX is refusing to remove the late payments from two of my accounts with them. Even though XXXX XXXX mailed me two letters dated XX/XX/XXXX stating that the late payments would be removed. 

The letters state verbatim : Letter # 1 : " We found that your payment history was incorrect on your credit report, so we sent a request to the credit bureaus to remove the past-due history for XX/XX/XXXX to XX/XX/XXXX. It may take the credit bureaus up to 60 days to update your credit report. For more information about credit bureau reporting, please see the Credit Bureau Frequently Asked Questions on our website, www.capitalone.com/credit-cards/faq. '' AND Letter # 2 : " We found that your payment history was incorrect on your credit report, so we sent a request to the credit bureaus to remove the past-due history for XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. It may take the credit bureaus up to 60 days to update your credit report. For more information about credit bureau reporting, please see the Credit Bureau Frequently Asked Questions on our website, XXXX '' I spoke with XXXX XXXX on a recorded line on at least three occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On all three occasions I spoke with a supervisor/manager. 

On XX/XX/XXXX : they said someone must have dropped the ball, and insisted this issue would be resolved for BOTH accounts. 

On XX/XX/XXXX : they apologized again, saying they had to resend letters with NEW dates ( dated in XXXX ) so by the accounts ' XXXX reporting cycles, this issue would be resolved. I was also assured that someone would follow up with me. 

On XX/XX/XXXX : the supervisor told me that only one of the two accounts had notes written on them. She also said that despite what XXXX XXXX agreed to, XXXX XXXX reinvestigated the account and decided that the late payments were going to stay. She stated that XXXX XXXX can not do that and assured me that if I dispute, they should see the letters on file in the account, and remove the late payments. I am not going this route because this is absolutely ridiculous how long this has taken for something that was supposedly resolved in XX/XX/XXXX. She agreed. 

I will never be able to get my time back that I have lost in my attempts to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: MI

Complaint narrative:
I sent a dispute letter to Equifax on XX/XX/2021 in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received a response yet as to if there is an investigation in progress, please fix this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have worked hard to establish a credit score and history since moving back to the XXXX from XXXX last year. Initially, I was rejected a few times and then I learned that it's because I had to start from scratch so I did that by using a secured credit card to a point where my credit card usage was healthy and my score strong enough that the card eventually turned into an unsecured card. 


Shortly after that, I applied for a Chase credit card and thankfully I was approved. And in fact, recently I applied for my wife to be added as an authorized user and that was approved and my wife started using the card a few days ago. 


I've been using it responsibly, in fact more than responsibly as whatever I spend, I've been paying it off the moment it shows up on my account and hence have maintained a credit usage of 0 % since receiving this card in XXXX. 


Yet, I got a strange message earlier today that my Chase Freedom credit card was removed from XXXX Wallet without warning and then when I checked my Chase app, it said that my credit card was closed. I then called the Chase credit card customer service and when I spoke with the agent, the explanation that I was told was that my credit history was not long enough and that there were too many recent inquiries. 


On the latter, I guess technically there have been a recent inquiry as I recently applied for the Amazon Prime Visa Signature card but that wasn't because I was needing credit. It was simply to take advantage of the 5 % cash back. However, other than that and the XXXX Card for which I was approved, I have not had any inquiries since last XXXX when I had applied for a lease for my car. 


Credit history also doesn't add up because I have a credit history with a good score that I'm continuously building. And I have made sure that I carry a {$0.00} balance on all my credit cards. In fact, I even sometimes pay more than my monthly lease so that I can pay down my car lease quicker. Especially with my Chase credit card, I have paid my balance the moment it comes up and so I have had a {$0.00} balance pretty much every single day. In other words, I've been a super responsible user and yet to without warning, be told that my credit card has been closed for reasons that make no sense is unbelievable. 


I have a high, steady income and if you consider my savings account and my investment account, all with Chase, plus the fact that I pay off my balance pretty much daily, there is no logical reason why I'm deemed a risk in any respect and I can not accept as to why my credit card was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
coinbase account was shut down due to unauthorized activity on XX/XX/24, it is now XXXX and i only get automated responses saying that someone will get back to me in 4-5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
A few months ago, Citgo / Synchrony changed their complete credit card system including the rewards that are offered. They now say that it takes 2 to 3 billing cycles to reflect the rewards that should be applied. On my statement of XX/XX/XXXX, my rewards were shown for my purchases during the month of XXXX and I was not given my rewards of previous months. Now in my XX/XX/XXXX statement there are no rewards credited to my account for XXXX ; nor for any previous months. I am owed many credits for previous months purchases as well as current. If XXXX 's statement showed my credits, my should statements since XXXX and going forward not reflect applied credits. Citgo / Synchrony is transacting fraudulent practices. 
I have contacted them recently and once before about missing rewards and nothing is 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 2021-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Late XXXX of XXXX, I made a purchase with Macys credit for a sectional, a rug, and a set of three tables. During this call I was dealing with placing an order for over 6 hours. The furniture representative and the credit department took a total of 6 hours to place my order. As a result of the wait the furniture representative told me she would apply 20 percent off the entire order to include the worry no more warranty, sectional, rug and tables. I was told that once items were delivered Id receive a credit to my account ( it was to warn Macys bonus money ). After the rug and tables were delivered ( late ) i had to call many times to get Macys credit to honor the 20 percent off. They finally honored it. The furniture ( sectional ) took almost one year to arrive every month Macys made an excuse and for the lateness they would give roughly XXXX off ( to be applied after delivery ). Well I finally got the sectional ( almost one year later ) and the 20 % is not shown. I called Macys the day it was delivered and every day after they would put me on hold and with my busy job I could stay on the line for hours so Id call the next day. Today I get a hold of a team lead XXXX from the presidential line and he refused to apply the 20 % that was originally promised to the sectional I told him it was separate from the late credits. He said Im not allowed to return the couch either since Ive had it for 8 days. I explained how long Ive been dealing with this. Ive spent well over XXXX in a year because I have an investment property fully furnished by Macys ( I had many issues with those deliveries as well credit charging double for items lost items etc ). Im very upset and I want the 20 percent promised to me or they can return the sectional at full price. It took so long and I threw away my old couch waiting for almost one year for this to happen Macys employee info : XXXX lead team presidential line call center Macys Florida employee ID XXXX sales check XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Someone I do not know hacked my computer and made fraudulent charges on my account and was made on XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Someone I do not know hacked my computer and made fraudulent charges on my account and was made on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: NV

Complaint narrative:
FCRA Violations are not mine : Names : XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation