vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they failed to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and there has been a failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
UWM was the mortgage holder on my home in Florida, they then sold off the loan to XXXX XXXX and once XXXX XXXX took over the loan in XX/XX/2022, the monthly payments went from {$1500.00} to {$2700.00} ( I have a fixed interest rate ) after several phone calls to XXXX XXXX and UWM, I am informed that XXXX sent over a negative escrow amount to XXXX XXXX and UWM is claiming they sent {$2400.00} which they can not prove, I have documentation attached showing they sent a negative amount. 
In addition UWM charged my account {$7400.00} for flood insurance and the certificates for flood insurance was sent to them several times even when the loan was first started. ( see attached documents for flood insurance ). 
I have been paying XXXX XXXX but can not afford to pay a monthly payment of {$2700.00}. 
I have made several attempts to get my escrow refunded from UWM along with the refund for the flood insurance but NO ONE can help me they keep telling me a supervisor will call me back and nothing. This has been going on for weeks, They took money from me and was not warranted to do so. I have all the paperwork proofing this. How does this happen how does a company exist, when they are stealing money from their clients? I would appreciate some assistance some assistance in to get my money refunded back to me or to XXXX XXXX so my account is back to the normal and affordable payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc.
State: MN

Complaint narrative:
I found a collection in my report, which no one told me would be included in my credit. I wasn't notified and I don't know where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
DID NOT AUTHORIZE THIS INQUIRY ON 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 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
On XX/XX/2021 my bank paid out a huge sum of {$12000.00}. to a scammer without calling me to verify if this check was indeed made out by me. The check was originally cashed/deposited into the scammers bank ( XXXX  XXXX XXXX XXXX then XXXX collected funds from my bank ( NewYorkCommunityBank ) without issue! Ive banked with NYCB for 30 years. My history shows that I do not write checks for this amount. Certainly this was an unusual check. Certainly, the check was tampered looking, made out to some random woman for " school books '' and the date inserted was oddly written in and my " signature '' was TRACED and done poorly as the scammer kept tracing over the name several times! Many red flags which my bank never questioned. Other banks ( XXXX, XXXX and others ) which I and my family deal with will CALL us to VERIFY such questionable checks but my bank did not! During this time I was ill with XXXX and on strong medication, sick and unable to address my bank statement within those months. My bank now claims " no liability '' to me as they claim that I was " late '' in reporting such issue. I DID actually report this issue to my bank within 28 days of my statement as I hadnt begun restorative health until then! I state to NYCB that " Illness is NOT negligence ''. XXXX  is serious and XXXX. I reported the issue to my bank within the month that my statement came and I am a XXXX XXXX XXXX XXXX XXXX XXXX Bank defers their own egregious negligence to spotlight my inability to do " business as usual '' due to my disabling bout of XXXX. NYCB also irresponsibly " passes the buck '' and refers to XXXX  XXXX XXXX for my restoration, as if NYCB has no liability in this case, which is completely false. NYCB has stolen my retirement money as I am without a husband or children. I am a victim twice. Once from the scammer and now from my own bank. I request every penny be restored to my checking account in full. This issue is causing me great stress, no sleep or eating, XXXX and further deteriorating my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I purchased items at XXXX  on XX/XX/22. I pulled out my Banana Rebublic Synchrony Bank credit card to use because it is part of the same group. I was informed by the cashier that she could " switch '' my Banana Republic card to an XXXX  card in order to recieve 20 % off of my purchase. The cashier never informed me that I would be opening a new credit card. My understanding was that my Banana Republic account was switched to an XXXX account. However, Synchrony Bank informed me that switches are not possible. 

Due to these actions, my credit score was affected, and Synchrony Bank informed me that it will be affected again if I close an account. 

Thank you for assistance in helping me resolve this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
Ive started emailing this company on XX/XX/2022 to close my account. Ive sent over 15 emails and none has been responded to. Since then on XX/XX/2022 they have charged my account a yearly fee of XXXX XXXX. I cant even withdraw credit and it says my bank is no longer linked which I find it funny they were still able to receive my money. Every time I try to connect my bank it gives me an error message and say we are working on this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
XXXX XXXX XXXX in the amount of {$2300.00} XXXX XXXX in the amount of {$680.00} To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. section 611 ( a ) It is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me as a consumer. My information was also impacted by XXXX data breach and may have gotten into the hands of the wrong person

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 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: FL

Complaint narrative:
They refuse to delete collection accounts which do not belong to me from my report!! Ive been a victim of identity theft and reported it several times and yet they still leave errors on my credit report which is affecting my credit score. The collection accounts do not belong to me and they are refusing to handle my disputes accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have had this loan for the past couple years with no issues on payments being received or bills reaching me. My loan is near pay off and I have had several issues with checks I have sent in not reaching the bank and never being cashed, bills not being sent to me and fee 's being assessed for each of these issues. The bank admitted billing issues at the beginning of the 2022 year and indicated that bills were not going out correctly. I have called multiple times to dispute the bills not arriving to me as well as my checks that have never been received. They have had no problem charging me late fee 's but have not addressed any of my issues. I feel this is a blatant attempt to drive up their profits by getting extra fees from customers, especially at the tail end of the loan period when they will expire.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION
State: TX

Complaint narrative:
Recently in doing some research on my consumer credit file I learned that the student loan in my name that were serviced by Sallie Mae. I learned that the loans are for a school by the name of XXXX University. I never signed an enrollment agreement with XXXX University nor did I ever sign or agree to become a former student of XXXX University. This seems like fraud to me. I do not wish to be associated with XXXX University and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I did some research and XXXX University is no longer a school anymore. I do not understand why there is a student loan account listed under XXXX University in my name. I never agreed to this. I am requesting Sallie Mae to provide information stating that I agreed to be associated as a student with XXXX University. Before today I had no knowledge of any of this. I am requesting documentation with signatures that Sallie Mae has the right to pursue loan payment from me for the school  XXXX University. I do not wish to be affiliated with XXXX University. I never agreed to any enrollment or loans with XXXX University. Therefore, Sallie Mae must substantiate seeking payment and reporting a loan payment history to my credit reports for the school XXXX University.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I filed a claim in XX/XX/XXXX that has been denied numerous times & they will not provide me the paperwork as to why it keeps being denied as of XX/XX/XXXX it was reopened for a reconsideration & they informed me it could take up to 45 business days to come to a decisionI was advised the 45th business day fell on the weekend which was XXXX so to call on that Monday which I did still no decision now today XXXX im on phone with them still no decision still no information as far as my claim I do not understand how this company is able to do this I filed 3 complaints with cfpb prior to this pertaining to this same claim that still have not been answered by this bank how is this possible?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Keeps changing the status of this account from included in bankruptcy on XX/XX/XXXX report to a chargeoff on XX/XX/XXXX then back to included in bankruptcy as of XX/XX/XXXX report now currently back to chargeoff on XX/XX/XXXX without sending me any change of status notification nor proof that XXXX is sending this information to change. Next violation excessive reporting CO for years, XXXX violation reporting a balance on a charged off closed account. There is no bankruptcy so they just take it upon themselves to change the status on your own without any documentation from XXXX telling them to do so. Thats not right and fair. I have requested documentation several times and they have failed to provide me requested documentations from XXXX. This is and old dead account that XXXX wrote 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 non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2021 a client of Bank of America illegally cashed/deposited my stolen and tampered with check for {$12000.00}. This check was from my account at New York XXXX Bank. Said check was deposited/cashed without questions or incident at BOA. Check was obviously tampered with. Date was written in very oddly using numbers where they dont belong, signature was traced sloppily, left over residual ink was still on the check from a bad attempt at " washing the check '' and the enormous amount was made out for " school books ''. This check went through Bank of America 's " security '' and as a result I was robbed of some of my retirement funds. Bank of America had a client who was not a real person but a fraudulent account or instead a professional scammer. The lack of due diligence on their part by not inquiring as to the legitimacy of their " client '' and their lack of security measures has caused me, an innocent party, to loose {$12000.00}, a great sum of money for me as I am retired, with XXXX and no husband or children. I am becoming so ill from the stress from this loss that my health is becoming worse. I do not eat or sleep and I will take this story to television media and have Bank of America exposed if they do not restore my full {$12000.00}. I will not accept anything less than my full amount which they have caused me to loose! I have already reported them to several government agencies and I will continue to bring this issue to the surface in social media and television as I am presently in touch with two networks that advocate publicly on television such things for consumers as myself. I am a victim twice. Once by the scammer and another by the largest bank in America... ..Bank of America . This is horrendous what this bank has done to me. I will let New Yorkers and the rest of the country know what this bank has done to 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 2022-03-15 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: CA

Complaint narrative:
DID NOT AUTHORIZE THIS INQUIRY 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 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. I purchased a home in XX/XX/2021 with my daughter XXXX XXXX & her husband XXXX XXXX. I have tried to fix these issues with Caliber homes and they will not help us. I have attached our mortgage bill below. I put the {$140000.00} down on the home and my name is not on the billing statement nor on the 1098 but it is on the note. It took several calls to Caliber to actually speak with me because they did not recognize my phone number or me. They finally checked the note to see that I am the XXXX person on it. The 1098 came in and it is in XXXX 's ss #. XXXX and XXXX, even though married, file separate tax returns and I file my own as well. We want to be able to deduct the finance charges individually for the next 30 years and we can't. I need changes to be made for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: FL

Complaint narrative:
They refuse to delete collection accounts which do not belong to me from my report!! Ive been a victim of identity theft and reported it several times and yet they still leave errors on my credit report which is affecting my credit score. The collection accounts do not belong to me and they are refusing to handle my disputes accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CA

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 2022-03-15 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: Experian Information Solutions Inc.
State: CA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 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: NV

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
XXXX XXXX XXXX in the amount of {$2300.00} XXXX XXXX in the amount of {$680.00} To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. section 611 ( a ) It is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me as a consumer. My information was also impacted by Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
XXXX XXXX XXXX in the amount of {$2300.00} XXXX XXXX in the amount of {$680.00} To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. section 611 ( a ) It is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me as a consumer. My information was also impacted by XXXX data breach and may have gotten into the hands of the wrong person

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