vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I canceled a homeowners and auto policy that was connected with automatic deductions from my pay role as of XXXXXXXXwith XXXX XXXX and began XXXX XXXX. They kept asking for payment and my insurance company sent notification XX/XX/2021. I resubmitted notification of cancelation on XX/XX/2021 by mail and again on XX/XX/2021. Finally they issued two separate checks for over payment. Then sent another bill. I ignored the bill thinking it was an error and oversite. They wanted me to pay for insurance and figured if I didn't pay it, the policy would simply be canceled. I was tired of going back and forth with them. As of today I received notification that XXXX XXXX company who took over XXXX XXXX submitted uncollected debt of {$94.00} to Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I would like to submit an address update to my file, The only addresses that should be on my report are XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX. 
The other addresses need to be removed immediately as I haven't lived there in over 10 to 20 years. No accounts are relevant to those outdated addresses.

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 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I would like to submit an address update to my file, The only addresses that should be on my report are XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX. 
The other addresses need to be removed immediately as I haven't lived there in over 10 to 20 years. No accounts are relevant to those outdated addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XXXX my wife and I told Bank of America that we could no longer make our mortgage payments. The reason being I have health reasons that take include XXXX and I have XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX in my XXXX ), XXXX XXXX XXXX XXXX in my XXXX, and XXXX XXXX XXXX in my XXXX All these problems require a specialist. We live on social security and my wife has a small XXXX dollar pension. All we have heard or gotten from Bank of America is 5 letters wanting us to refinance! We have told them5 times now that the house is theirs we do not want it or can afford it! They continue to carry us as delinquent in our payments for all this time!! They have ruined our XXXX XXXX of the first things we asked for was a short sale. They sent us a refinance form! We sent item another letter stating that we did not want the house, to no avail they are now finally now starting foreclosure on us. How long are these Banks aloud to put of what the customer asks for?? It has been 22mounths since we turned the house back in to them and are still being carried as delinquent with a bad credit rating! I do not think this is right! I had to go to the VA. for medical help and prescriptions.

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 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit acceptance is being reported as a collection on all 3 of my credit bureaus, this was NEVER a charge off/collection. This was an auto loan with monthly installments. I paid it off in full XX/XX/2020 with no remaining balance. This account should NOT be considered a charge off/collection account. I have sent two letters to credit acceptance with NO response from them so I am asking for your help. I had XXXX in XXXX and got behind in this auto payment but always paid it so its really disheartening that they have put it under a collection/charge off because this was never the case. I paid it weekly and then paid it off. Thank you for looking into this as I am trying to purchase a home for my family of XXXX with my XXXX being in XXXX. I really need this deleted off my credit bureaus if possible. 

Credit Acceptance XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX - account # 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 2021-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
XXXX ON FRIDAY XXXX A CALL CAME IN FROM XXXX AT XXXX AM TO MY PHONE NUMBER XXXX. SOMEONE WAS CALLING FOR XXXX XXXX. I TOLD THEM THIS IS XXXX XXXX AND THIS HAS BEEN MY PHONE NUMBER FOR SEVERAL YEARS NOW. AND ASKED WHO IT WAS THAT WAS CALLING ME, THE COMPANY NAME, THE PERSON INSISTED ON ASKING ME AGAIN IF I KNEW XXXX. I TOLD THEM NO AND ASKED AGAIN FOR THE NAME OF THE COMPANY THE PERSON WAS CALLING ON BEHALF OF WHEN I WAS HUNG UP ON IN MID SENTENCE. 

AN INTERNET SEARCH SHOWED NO RESULTS FOR THE PHONE NUMBER I WAS CALLED FROM. SO I CALLED THEM BACK AND TOLD THE LADY THAT ANSWERED THE PHONE WHAT HAD HAPPENED AND ASKED FOR THE COMPANY NAME. SHE TOLD ME WHAT SOUNDED LIKE CENTRUY CREDIT, BUT WHEN I LOOKED UP THE INFORMATION ON THE INTERNET, THERE WAS ALSO A DEBT COLLECTION COMPANY THAT GOES BY THE NAME OF SENTRY CREDIT. 

SO I CALLED THEM BACK AND THIS TIME I ASKED THEM TO SPELL THEIR NAME. SENTRY CREDIT INC. 

XXXX CALLED ON FRIDAY XXXX AT XXXX XXXX  A CALL CAME IN FROM XXXX, ASKING FOR XXXX XXXX. I TOLD THEM THIS WAS XXXX XXXX AND THIS WAS MY NUMBER. I ASKED FOR THE NAME OF THE COMPANY THAT WAS CALLING ME AND I WAS TOLD IT WAS SENTRY CREDIT. I ASKED FOR THE NAME OF THE PERSON CALLING ME, I WAS TOLD XXXX. I TOLD THEM I DO NOT KNOW A XXXX XXXX AND THAT I HAD TOLD THEM THIS THE LAST TIME THEY CALLED ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: AL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I have been told by over 3 representatives I would get my money back over the last year from Amazon ( the store ) but the Chase Amazon credit card dispute process will not give my money back because they stated after the 90 day return period closed and Amazon ( the store ) specifically told me I did not need to return any products that I would not be given my money back by Chase because I had to make a return and they ( Chase ) continued to charge interest while refusing to provide the refund. I am attaching all of the conversations that I have already sent to Chase where I was told I was being given a credit for the purchase by Amazon while Chase continues to refuse to comply with the Amazon credit from the company via these customer conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX/Synchrony Financial Solutions . https : //www.mysynchrony.com/? XXXX. I needed a new XXXX device in XXXX/XX/XX/2021. My dentist office suggested I apply for the Care Credit plan/card. I was instantly approved. I was informed to register the card right away. I registered online that day. The credit plan is 0 % as long as payments are made in a timely fashion. I understand that if the last/final payment is late Synchrony will charge all interest for the original amount. This being said, the amount was only {$2500.00}. It is XX/XX/2021. My remaining balance is {$900.00}. Since the first payment, their website is horrendous. Every time I access their website I receive the message that the they are experiencing technical difficulties. Today I have been trying to make a payment for over 90 minutes. I tried their " Live Chat '' which turns out to be an automated algorithm. I requested through their " Live Chat '' to chat with a real/living person. The automated algorithm provided me a form to complete ( card #, SSN, zip code ). I did THREE times! While waiting for a LIVING BREATHING HUMAN BEING I called their XXXX number. Their rep 's name is XXXX. I explained to XXXX my problem and asked to speak to a supervisor. He offered to take a payment by phone. I don't make payments by phone. I asked three times to speak to a supervisor. He finally said he would - placed me in a que- i could hear # s being pushed- eventually I heard a message saying that my call timed out. Seriously? I called the number back and XXXX answered the phone again. What are the chances? Really the same person! I've tried different browsers including XXXX XXXX, XXXX XXXX and XXXX . None of which provide a different experience than I've stated above. I've tried to " log in to my account AND use their " Pay As A Guest '' feature. Neither are working on any browser. I would really like to pay the balance off with a payment this week and the remaining balance in two weeks. Please, for the love of GOD, help me!! I'm thinking now that they make their money by forcing people to pay their bills late. This has been a terrible experience. I do not recommend Care Credit NOR Synchrony Financing Solutions!

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 2021-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/2021, I applied for an XXXX credit card because they were offering a promotion. I filled out the application and submitted it but never got a response of any kind from them. They never told me I was denied or anything. Nothing. All that happened was the inquiry appeared on my credit report and dropped my score. That doesn't seem fair at all especially considering I already have a credit account through the same company.

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 2021-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/2021 I made a purchase of XXXX dollars in virtual currency XXXX  using the XXXX application, cod. XXXX, Amount XXXX XXXX, Commission XXXX, account XXXX, which hours later XXXX canceled, not knowing the reason. The next day, I needed to repeat the purchase operation, buying the {$170.00} again, and this operation had no problems. 
The problem was registered when the XXXX  card that is linked for the charge in my XXXX account, reported the charge of both purchases without having been canceled or reversed to the card the amount of the first purchase that XXXX  canceled. 
I made several reports of the problem using the pre-made forms from the same application, without result. 
Subsequently, the first week of XXXX, I made use of the contact through the telephone that XXXX informs XXXX ( XXXX ) XXXX giving an account of the situation and delivering the required information, informing me that the amount would be restored within the next XXXX XXXX  days later, but to date it has not been made effective.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-09 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: William D. Meeker Enterprises, Inc.
State: GA

Complaint narrative:
After carefully reviewing my credit, I noticed an inquiry from your company. I did not apply for credit with your company nor gave the authorization to pull my credit. I have contacted XXXX they have provided no proof I initiated such inquiry nor written authorization, and have failed to provide any permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After carefully reviewing my credit, I noticed an inquiry from your company. I did not apply for credit with your company nor gave the authorization to pull my credit. I have contacted Equifax they have provided no proof I initiated such inquiry nor written authorization, and have failed to provide any permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I sold my vehicle to XXXX on XX/XX/2021. My vehicle lease title is held through Toyota financial services. Toyota financial services received full payment for the vehicle on XX/XX/2021 from XXXX. I faxed all required paperwork to Toyota financial services as well. I've repeatedly called Toyota financial services about the status of my loan termination. Every time I call, they tell me that they don't understand why my title is not released and that they will escalate my issue and get it resolved. Meanwhile, it is XX/XX/2021 and my title is still not been released out of my name. The account still shows full balance owed. I have had to continue making payments, while they hold the check for the full balance owed. I am on my wit 's end with this company and have no idea what other actions can be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: OR

Complaint narrative:
I sent a Debt Validation Letter to the General Service Bureau regarding an account. I asked for the Validation of the account so that I know they can legally collect in my state, have proper paperwork to collect, verify where the account came from, know I have my signature allowing a third party to collect on a debt, ect ( See attached letter for information ). In the response to my validation letter, GSB sent me an itemized statement of the bill thus not validating said debt. I was not asking for an itemized statement. I was asking for all information regarding the account and they did not give me any pertinent information regarding it. I am now filing this complaint.

Attached to this report will be the Validation letter I had sent GSB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: VA

Complaint narrative:
I did a refinance with Movement Mortgage with an interest rate of % 2.875 and was told my payment would be {$760.00}. This was a 30 year fixed rate. For almost a year everything was fine. I then get a mortgage statement in XXXX that my XXXX payment was going to be {$970.00} per month because my escrow was was short {$1800.00}. I did not have that kind of money. so I asked would bring me back down to {$760.00} and was told I would not get back to that payment because I would still be behind on my escrow. I ended up paying {$2200.00} and a payment of {$800.00} per month. I have refinance 4 or 5 times previously and has never had a {$2200.00} shortfall. I am disabled and I get {$1500.00} per month and I felt that they trying to take my home of 34 years. All the company did was to tell me that I did not have to pay it all at once. they would spread it over 12 months which was a recipe for disaster because that is why I refinanced in the first place. After my husband died in 2016 I had to figure out how to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am unaware of who made the credit inquiries on my report but it was not 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 2021-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On XX/XX/2021 I received the message from the First National Bank to call the fraud alert department. First of all, I do not have the telephone not do I have a bank account with the bank. I would like to hire is it that illegal transaction can be made and I get a message to call the back fraud department. When I called the XXXX number and spoke to the customer service representative by the name of XXXX she gave me the card number ending in XXXX and was told that it was not in my name. I would like to know the name of the person that did this transaction I would like for charges to be brought against the person that used my number to claim I'm defrauding tax payers of their money. I need to send a message not to defame or slander someone's reputation for their own monetary gains. Let me pick up pennies from the street and call me a bum instead... One of those pennies will bring me my gainful reward not as this person that used my telephone wants to do for herself ... What ever she is hiding we all need to know. We need accountability.

Company response to consumer: Closed with explanation