vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Dear Madam/Sir, CFPB : Please note that the debt collector keeps sending me letters since : XX/XX/XXXX XXXX and I did respond to all this letters, one letter at the time and before 30 days as per federal Laws. Collection agency wants to collect : XXXX, from an unknown credit card that its not mine and does not belongs to me. The last letter I received from the debt collector was on : XX/XX/XXXX. And I answered the letter on : XX/XX/XXXX. I requested one more time the fallowing legal documentation : 1 ) The Original Application when this unknown credit card was opened, with original signature on the application. 2 ) My Lawyers need original copies of all the Statement from the yearsXXXX, and XXXX, as per Federal Laws. 3 ) My lawyers requested copies of, ALL the purchases, charges, done from : XXXX to XXXX, of this unknown credit card. 4 ) As A client I need ALL the bills and/or receives of this unknown credit card. Also on, XX/XX/XXXX. My Lawyers send the debt collector an AFFIDAVIT. I Respectfully request ALL the above legal information. ITS THE LAW. Thank you for your anticipated courtesy and cooperation in this important matter. Respectfully yours : XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Purchased a cell phone through XXXX XXXX who uses TD bank as financer. 

TD bank has an online payment system that does not allow customers to verify there banking account and routing number before submitting a payment. If the checking account number and routing number are incorrect TD bank charges a non waviable XXXX dollar check fee. 

To rectify the issue so that more fees do not incur I contacted TD customer service ( XXXX ) to verify that my banking information was correct. 

TD supervisors blamed me without proof that it must be the customer entering the wrong information and and with absolution could not be a computer system era on there end. They also informed me the only way to verify correct account info is to make a payment and risk being charged another XXXX dollar fee if the information is incorrect agian. 

As it stands I must make a payment to verify correct acount information and risk extra fees. 

This practice is intentional and predatory. 

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Securus J Holdings, LLC
State: VA

Complaint narrative:
On XX/XX/2021, I attempted to purchase " stamps '' from JPay to communicate via email to people XXXX  in Virginia 's XXXX XXXX XXXX. The " stamps '' ( {$4.00} ) were instead credited to my account to communicate with people in XXXX XXXX XXXX  XXXX XXXX. XXXX 's system does not allow a person to buy stamps and use them across states. So their system is set up to permit you to only purchase stamps for one state at a time. On XX/XX/XXXX, I purchased stamps for XXXX XXXX XXXX but instead they were credited to XXXX XXXX XXXX. I emailed JPay on XX/XX/2021 to tell them of the problem. I never heard back. On XX/XX/XXXX, I tried to buy stamps again ( {$4.00} again ), assuming there had just been a glitch in the system on XX/XX/XXXX. However, the same exact problem happened again. I was purchasing stamps to communicate with people XXXX  at XXXX XXXX XXXX but the stamps were again credited to XXXX XXXX XXXX. I emailed them ( support@jpay.com ) the same day and told them of the problem. They still haven't replied. 

They are not providing the 24/7 support they claim to provide. It is not fair to people who want to communicate with loved ones in prisons to be taking our money. JPay charges us a LOT of money to communicate with people who are incarcerated ( I'll note that these prices vary depending on the state, which alone seems unjust and cruel ). But to then not even allow us to use the stamps we buy is outright wrong. Beyond that, JPay advertises that {$4.00} will get you 11 letters. But that's incorrect advertising. In fact, you have to use one stamp for each PAGE, and you can not combine photos to text. For example, if you want to send a note with two photos of your children, that costs three stamps, which is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: FL

Complaint narrative:
I filed an insurance claim and an XXXX came to my home and the insurance company gave me {$7900.00} to fix problem. Because of health issues with mold and mildew I hired a XXXX. I sent the insurance check on XX/XX/XXXX XXXX overnight ). Novad was so slow in sending first payment it was a health hazard.Because Im XXXX XXXX XXXX and took the reverse mortgage for additional income. I borrowed {$38000.00}. From my son and put {$3000.00}. on my XXXX charge I paid out of pocket for the plumber. They told me I needed an inspection at 50 %. I did that and they havent gotten the report from inspection They said after they received the report it will take another 30 days for second check.In a few days it will be 100 % done and ready for final inspection XXXX only knows when Ill get that check. Im now paying interest on My XXXX account If Hud is so worried about my home being fixed why dont they give me remaining money.Seniors who do Reverse Mortgage do it because they need money. If not for my son and my XXXX account Id still be living with the mold and mildew. My insurance company couldnt believe that a check this amount they didnt pay the whole amount When i talk to representative of XXXX the tell me theyre just following procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
We enrolled in automatic payments with Macys several years ago. The payments are automatically processed through their system and taken directly out of our checking account. We discovered that Macys was taking our payment out 1 day after the payment dates, and then charging us a {$40.00} late fee every month. We attempted to get them to correct this error and they were only willing to credit back 3 months of the fee. Additionally, they did not take out automatic payments for two months, they can not explain why this happened, but they reported it on our credit report as being 60 days late, then magically started taking automatic payments out again. They have refused to correct this on our credit report saying it was our error, yet they are not able to provide us with anything that shows why the automatic payments stopped.

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 2021-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a promotional balance ( no interest for 18 months ) on my Best Buy card through Citi bank that ends in XX/XX/2021. My minimum payment due for my account for XXXX was {$28.00}. On XX/XX/2021, I made a payment of {$78.00}. Of that, {$28.00} satisfied the minimum payment due of {$28.00}, and the additional {$50.00} was applied to the promotional balance. After that payment, my promotional balance was {$73.00}. So, on XX/XX/2021, I made an additional payment of {$73.00} to pay off the promotional balance. However, Citi only applied {$45.00} of that to my promotional balance. When I contacted them, they claimed that I had to satisfy the minimum payment of {$28.00} on my account first. I explained that my XX/XX/XXXX payment had already satisfied my minimum due. They agreed and said they would correct it. It is now XX/XX/XXXX and it still has not been corrected. I've made 4 phone calls to Citi about this and each time, they promise they will fix it, Today, I was transferred to a manager who told me she disagrees that my minimum payment of {$28.00} had already been met and that I have to pay an additional {$28.00} to pay off my promotional balance. I clearly already satisfied my minimum due with my payment of {$78.00} on XX/XX/2021. But they are now trying to make me pay {$28.00} more than what I really owe on my account. And in XXXX, I will be charged 18 months of interest on that promotional balance, even though I already paid it off!

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 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH

Complaint narrative:
I received no notice from MBA Law regarding a medical debt that accrued in XX/XX/XXXX, nor did I receive any notice from XXXX XXXX where this supposedly originated from. I did not receive a single phone call nor did I receive a single notice in the mail or anything electronically. I check my credit report frequently, and recently there was a collections account placed with MBA Law stating that I owe {$1000.00}. To my knowledge, this debt was settled in full in XX/XX/XXXX - I have proof of payment. I have contacted MBA Law 5 times, asking that a representative with their company contact me regarding this matter and to provide proof that this debt is in fact owed. I have not received one response from MBA other than them finally sending me a PDF that overviews the debt. I have asked several times for further proof and if it is in fact mine I will then negotiate. I want this removed from credit report immediately as it has negatively impacted my score. I have yet to receive a response. I have attached the original notice of Debt from XXXX XXXX services that outline the debts accrued from XXXX from two separate visits in XX/XX/XXXX. I have also included the proof of payment after a negotiation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 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: WI

Complaint narrative:
TransUnion and XXXX  are both reporting 4 hard inquiries to my credit report as I shopped for a mortgage refinance. Two if not three of these inquiries should be removed. 



Name Requested On XXXX XXXX XXXX via XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/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 2021-03-30 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I lost my XXXX card a few years ago reported it to them and closed my account they continue stating I owe a balance. I have attached 2 files Ive only have 1 account with XXXX 1 report states I owe {$510.00} since 2015 and the other shows Ive made all payments 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 explanation
Consumer complaint received 2021-03-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is falsely reporting to the credit bureau that my payments are late when they have been on time and most of the time early.

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 2021-03-30 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: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Using the Wells Fargo online banking site, I authorized Wells Fargo to withdraw {$5000.00} from my XXXX ( division of XXXX ) account into my Wells Fargo account. Wells Fargo successfully withdrew those funds out of my XXXX acct on XX/XX/XXXX. As of XX/XX/XXXX the funds have not been deposited into my Wells Fargo account. After submitting disputes and " research '' cases with both banks, I have learned that XXXX XXXX XXXX explanation is that they received the instructions from Wells Fargo and completed the transaction, and that they have no further record of anything beyond that, since the transaction was initiated by Wells Fargo. I have also initiated complaints/ disputes/research cases with Wells Fargo XXXX After weeks telling me they had no record of anything, Wells Fargo finally found transaction records. XXXX This was after XXXX XXXX provided me with a trace number for the withdrawal that was actually issued by Wells Fargo, provided below. ) Even after being given their own trace number, and receiving my written complaints clearly explaining that the transaction was initiated using the Wells Fargo online banking site, weeks of so called " research '' by Wells Fargo resulted in their " determination '' that they have no idea where those funds are, there's nothing they can do and I should work with XXXX XXXX to get my money back since XXXX XXXX  initiated the transaction ( which is completely inaccurate ). Wells Fargo also claims that they sent the incoming funds back to XXXX XXXX, supposedly because of internal fraud detection even though their own system initiated the transaction. The funds were never returned back to my XXXXXXXX XXXX  account and Wells Fargo has not provided a trace number for that supposed return of funds. The bottom line is that Wells Fargo took funds from my XXXX XXXX  account and has no idea where it is. It's been two months with no correction. Wells Fargo wouldn't even provide me with a provisional credit while trying to find my missing funds which I believe is required by law after 10 days, according to Regulation E. 

Even though their own weeks of " escalated research '' had it wrong, Wells Fargo has never disputed the fact they their own system initiated the withdrawal of funds out of my XXXXXXXX XXXX account. It is clearly their responsibility to handle those funds correctly. 

The Wells Fargo tracing number for the electronic withdrawal of funds is : XXXX The Wells Fargo case number that resolved nothing and was based on a completely contrary and inaccurate representation of facts is : 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 monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE

Complaint narrative:
I have applied for refinancing several times and each time Carrington closed my case and asked me to restart 2 or 3 times when I have a HUD worker XXXX XXXX XXXX. This has been a long process and I understand that I was behind but I am trying to rectify the situation and this is becoming tedious. I would like to get a new payment and start fresh.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: NC

Complaint narrative:
I have a letter from Dept. Of Justice that shows i was the victim of identify theft. I will list the companies below and ask to have all removed immediately. I have also attached the letter from the Dept. Of Justice. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a letter from Dept. Of Justice that shows i was the victim of identify theft. I will list the companies below and ask to have all removed immediately. I have also attached the letter from the Dept. Of Justice. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief