vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I got a text that said the following : " CHASE : Your account has placed on Hold! We need to verify your information to remove hold. Please visit XXXX : XXXX to regain access '' Since I don't have a Chase account I know this is a fraud attempt. I didn't click on the link and I blocked the phone number it came from ( XXXX ). Fortunately, since I've had fraud issues in the past I'm aware of what to look for. However, another person may have received this and if they had a Chase account they could easily become a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Good Afternoon, After attempting to seek restitution of funds through the bank system directly and through a complaint filed with the Office of the Comptroller, I'm hoping you will be able to help me. An aide in my local senator 's office suggested I try filing this complaint to see if it would help. 

On XX/XX/XXXX, a check I had mailed to pay town taxes was forged and cashed after being stolen from a post office mailbox and altered to change the payee and the signature. It was clearly a forgery and a tampered check. I did not realize this happened until XX/XX/XXXX when the taxes on my home were delinquent and I faced a tax sale situation as a result. I contacted the bank immediately. While I was hopeful at first and a local bank manager was also optimistic, the end result was denial of my claim for the {$6200.00} stolen from my account. Ever since, I have been trying to find a way to be able to retrieve the funds from Citizens Bank. I have a police report and other notes as part of the request. I filed complaints with Citizens directly as high as I could go in the Office of the Chairman. I contacted my senator 's office and others for assistance. Repeatedly, I have been informed that they are only obligated to act on the forgery if discovered within 30 days. While I understand they may be within the law to deny my request, I'm still distraught over losing {$6200.00}. Last winter was a particularly busy and uncertain time and I just can't believe Citizens bank is applying and flexibility with customers. The end result may be that I and a few other friends and family close all accounts with Citizens but I continue to hope I might find a resolution. Thank you in advance for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: WA

Complaint narrative:
This is a follow up to closed complaint : XXXX. 

I am a XXXX XXXX XXXX in Washington State trying to complete a short sale on an estate property. Novad did follow up and said they requested a rush appraisal with me as the point of contact. I have not received a call from an appraiser to schedule. 

To further this, I have sent emails to follow up. 

XX/XX/XXXX email requesting the appraisal due date XX/XX/XXXX call to the extension of the Loss Mitigation Supervisor. Extension rings with no voice mail. Emailed to follow up and to let them know that a son of the deceased is living in the home ( not paying rent ) has threatened to trash the house and cut down trees, even suggested cash for keys. I asked for their advice in order to protect the property. 

XX/XX/XXXX another call to the extension of the Loss Mitigation Supervisor. Again, extension rings for several minutes with no voicemail. I sent another follow-up email. This time the email is kicked back as the email address to the Loss Mitigation Supervisor and another staff member of Novad included on the email chain is not found and is unable to receive mail. 

I am highly concerned that Novad is impossible to work with. Why offer the option of a short sale if Novad is not willing to go through the steps to complete the process? There are buyers who have put an offer on the home who are hoping to start a new, exciting chapter in their life. The lack of response is bound to exceed the contract offer terms. It seems Novad prefers homes to go into foreclosure. Such a waste of time, resources, and money. HUD needs to investigate this and find another provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is reporting a XXXX XXXX XXXX XXXX balance of {$1000.00} on an account that doesn't have a balance.

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 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
This is a collection debt for XXXX XXXX XXXX XXXX from an account that was opened using my information. The account was opened in Louisiana and the amount is for {$600.00}. I have never lived or even been to to Louisiana and I don't have any friends or relatives that have lived in the state. This is probably the third or fourth time I'm reporting this as fraud. Its the same debt but, the collection agencies just change. I've already reported it several times as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I made a purchase with my TJ Maxx credit card on XX/XX/XXXX in the amount of {$190.00} to a fraudulent company. I informed TJ Maxx and XXXX about the company. TJ Maxx and XXXX both issued a refund in the amount of {$190.00} TJ Maxx on XX/XX/XXXX and XXXX on XX/XX/XXXX. Instead of TJ Maxx reversing their credit they reverse both and now is showing a balance on my account in the amount of {$190.00}. I spoke with a rep on XX/XX/XXXX and it was reversed, however they rebilled me again. I called today and spoke with XXXX to no avail. They are fraudulently charging me for this amount. They tried to say that XXXX rebilled me which was not true.

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 2021-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
Once again, I come to file a complaint about Truist bank, previously BBT. Truist managed to be worse than BBT. My complaint today concerns the banks refusal to complete the process of authenticating a non-Truist account for my money transfers, in violation of their contractual obligations. 
On XX/XX/XXXX I attempted to register my XXXX account as a non-Truist account for the purpose of money transfers. The process, as determined by Truist, involves making two small deposits in the non-Truist-account candidate, which later the client must enter in a verification step. The step is supposed to happen after an email is sent by Truist. 
This email was never sent. I checked all possible folders : it just wasnt sent. 
Two days is a lot of time in the financial market. Four days means that they are deliberately obstructing my transaction, or they are totally incompetent and negligent. In either case, they must be forced to comply with their contract with clients, which obviously involves allowing money transfers. 
Let us remember that Truist is invested in making transfers as difficult as possible, which is the reason I am giving up on them unless they give me a very strong reason to keep their business. 
Finally, they eliminated the methods of written communication that were one of the few good things about BBT. Not even the chat works. In accordance to the American Disability Act, I demand written communication only : I have hyperacusis and can not talk on the phone.

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 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've sent several letters to TransUnion, XXXX, and XXXX requesting the removal of a Bankruptcy from my credit report or to provide proof from the court to verify the reporting accuracy. Most recently letters were sent certified on XX/XX/XXXX, XX/XX/XXXX as well as letters in XXXX. They falsely claims on my credit report that information received from the bankruptcy court was verified as accurate. I received a letter from the court clerk stating that the court does not report to third parties including credit bureaus. Credit Bureaus have failed to respond to my request for method of verification concurrently with the FCRA and allow me a current copy of my credit report.

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 2021-10-12 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Using my open end consumer credit plan, extending credit to receive a XXXX Visa Credit card. i noticed on my consumer report that it was recently closed without written explanation or disclosure. They may not restrict or close my account see 15 usc 1666 ( d ). This is unfair to me because they failed to transmit the statement required under section 1637 ( b ). Billing error was noticed on the credit balance showing a excess of {$1.00} so i called the number listed to ask if the credit balance excess {$1.00} and they said yes the balance is {$1600.00} see 15 usc 1666d treatment of credit balance i requested that any amounts held on my behalf be credit to the account. I spoke with Account Manager desk number - XXXX, she told me that they can close my open end consumer credit plan at anytime. Even though i never received the required statement or correct explanation. This is unfair and a violation of my rights.

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 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The collection agency misrepresented a debt charged off in XXXX as a new debt closed in XXXX and then reported it to XXXX reducing my XXXX XXXX. I disputed report thru XXXX and credit agency " verified accuracy of report. '' I provide proof of inaccuracies provided to me by original creditor ( Chase credit ) to XXXX and Collection agency and was told they would only remove report if I paid {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XX/XX/2021 ordered three ( 3 ) items from Amazon one of these items was for XXXX wet dog food. Amazon could not secure this item and cancelled item on XX/XX/XXXX, XXXX made payment of {$75.00} for the two other items received to SYNCHRONY BANK/AMAZON mailed on XX/XX/2021. I have sent numbers letters to SYNCHRONY and called them and they keep transferring me to XXXX as on XX/XX/2021. Since XXXX SYNCHRONY BANK keeps sending me invoices for all interest accrued, today I received another for {$52.00} this is ALL INTEREST they are charging me for an item I never received from Amazon. As of the date of this complaint I have never heard from them they just keep on piling interest fees. I have now closed my account with Amazon because they need another bank to do business with. I am a senior citizen living on Social Security and I can not give my money to an institution that has no respect for their customers. Please help me with this issue as the {$52.00} is a week of groceries for me! 
Regards,

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 2021-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: IL

Complaint narrative:
XX/XX/2021 I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX IL. The dealer was given a {$7500.00} down payment and financing the balance was acquired by Westlake Financial Services, XXXX XXXX CA. I was disappointed with the percentage rate offered of 10.9 % despite my credit score of XXXX. Upon closing deal, the vehicle was driven to local gas station for fuel. The vehicle engine light appeared leaving station. The dealer, XXXX XXXX was notified about engine light. The vehicle needed 4 catalytic converters in which the dealer agreed to repair. West Lake Financial as lienholder held dealer payment until repair completion. XX/XX/2021 I picked the vehicle from dealer 's contractor, XXXX XXXX XXXX, XXXX XXXX IL. Westlake Financial Services was immediately notified of repair completion. Shortly after, I received calls to return vehicle from dealer. XX/XX/2021 the vehicle was returned the dealer and down payment refunded because Westlake Financial Services cancelled contract. I have not received written notification for the denial of financing when I have a XXXX credit score.

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 2021-10-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry:XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. COMENITYBANK/VICTORI was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One and XXXX XXXX XXXX. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and MUFG Union Bank. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is MUFG Union Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-10-12 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My old XXXX XXXX - XXXX XXXX XXXX account is misreporting a balance owed to Equifax when it was included in a bankruptcy that was filed years ago. This is inhibiting me from getting a loan and should be fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: CA

Complaint narrative:
I am trying to improve my fico score so I can move my family into a better living condition. 
I have taken steps to call all the creditors on my report that are showing negative on my fico score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to XXXX, Equifax, XXXX on XX/XX/2021 and on XX/XX/2021. On XX/XX/2021 I got a copy of the revised updated report with the same old information?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: CA

Complaint narrative:
I am trying to improve my fico score so I can move my family into a better living condition. 
I have taken steps to call all the creditors on my report that are showing negative on XXXX XXXX score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to XXXX, XXXX, Experian on XX/XX/2021 and on XX/XX/2021. On XX/XX/2021 I got a copy of the revised updated report with the same old information?

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 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage was transferred to " Nationstar Mortgage LLC d/b/a Mr. Cooper '' for loan servicing on XX/XX/XXXX from XXXX XXXX ( though i was notified in XXXX and the due date on the mortgage remained XX/XX/XXXX ). 

When paying the mortgage the first time on line with " Mr Cooper, '' two mortgage payments were applied rather than one. There is not an explanation about why two payments were made, only that it was a glitch. I am able to cover the additional payment, but have a concern with a loan servicer whose system, so far, has deducted double payments 100 % of the time.

Company response to consumer: Closed with explanation