vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from Capital One Bank. I have no banking relationship with this company and theyve pulled my credit on 6 separate occasions without my permission on the dates of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XXXX XXXX XXXX explaining ( in detail ) how they have violated my rights to privacy and more. They've also reviewed my account once more on XXXX XXXX XXXX for " account review inquiry '' since delivery of the letter. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I fell behind after being misinformed when applying for my loan. I was misadvised that I'd be able to apply for a refinance shortly after receiving the loan so that my payment could be lowered which was not the case. Due to this misinformation, I took on more than I could afford to pay and once I fell behind it became a struggle to bring the loan current. I was also unemployed in 2018 which caused a further strain on my finances so I have been struggling for years at this point. I am now in the process of applying for a short sale and I have submitted the application documents but I need PHH to allow me at least 60 days to meet all of the requirements. I have a willing and able buyer ready to make an offer on the property. Can someone please help me reach out to PHH for assistance? I want to settle the loan so that I don't have to deal with the ramifications of a foreclosure auction on my credit since I have been working for the past 3 years to rebuild my finances and creditworthiness. I am raising a family and if the house gets foreclosed on that would devastate my family. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To whom it may concern Around XXXX received letter at my house from Chase Bank about my deceased fathers ' credit card, claiming a charge of {$29.00} some time in XXXX. 
Contacted them on the phone and by mail to tell them impossible charges could be made by my father, informing them that my father had passed XXXX, 7 months before getting this bill. They said oh sorry to hear that and sent another bill on XXXX For some reason I keep getting calls and bills to my address, I am not even sure how they got my address/phone number as I am not involved in the estate, but they keep sending me bills not sure why. 
I asked them to stop on XXXX by phone and mail, on XXXX phone and by mail on XXXX by phone, they now informed me they can not find any information out and not stop sending me bills for my father card. 
I would also add they just keep adding late fees and sending me the bills now total {$99.00}. Real class act. 
Please ask them to stop sending me bills. 
Yours Truly XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of Identity Theft and I've sent a letter last XXXX it's almost 30 days now but I Haven't received any response yet. I was so stressed and always thinking about how to solve this issue. I need help!.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: Coinbase, Inc.
State: GA

Complaint narrative:
Back in XX/XX/XXXX I attempted to move my crypto from my vaults to my wallets but forgot my second confirmation email address because it was established in approximately XXXX or XXXX. I had to verify my identity, I did that and even hired an attorney to write the company coinbase to facilitate the move of my assets as coinbase indicated they would move the assets for me once verified, I received an email from coinbase indicating verification and yet they have not moved my assets from my vaults to my wallets and continue to cause me great distress, I lost XXXX upon XXXX of dollars due to this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Lender is contacting relatives for payment. This is against FAIR DEBT LAW. THEY HAVE BEEN TOLD BY REATIVES TO CEASE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX of 2020 I filed a dispute with this account explaining how I was a victim of fraud. Someone used my credit card information to take a large sum of money from my account, in which I received no benefit from.I have been paying off my balance for 20 years on time with no problems. When I filed the dispute, I was told someone from the fraud department would contact me and help me. Additionally, I had been calling them numerous times to try to get this resolved. I have not received any help. I had been paying the minimum balance of this account for fear it would affect my consumer report. I recently just stopped this pass XXXX. Now the company has lowered my credit limit, threatened to close my account, threaten to write it off as a collection, and will be ( if they haven't already ) ruining my consumer reputation by submitting their inaccurate information to the 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 2021-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I opened my account on XX/XX/2021 via this link : https : XXXX  Headline was : HSBC XXXX 2 % Cash Back Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage. 

Terms was : You will automatically receive the 2 % cash back in your new HSBC XXXX checking account approximately eight weeks after completing that months qualifying activities. 

I have contacted support and opened a support ticket. Today ( XXXX ) the customer service rep said that I did not open the account with the offer attached, but I have only ever hit the signup page through there. I would never have considered opening the account without the offer. 

The offer has been pulled, but I can show a screenshot of my web history on the account open date that shows that I landed and progressed from the bonus offer landing site ( attached ). 

I have made $ XXXX in direct deposits monthly since opening then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX open account Amount of debt : XXXX Account number : XXXX PayPal account I made several attempts to clarify to the company once I received the notices of missing payments that I did not own the account. They would simply transfer the account to a debt collection company. The account is currently with portfolio recovery and they sent a lawsuit in regards to this account.

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 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
XX/XX/21 did a wire transfer of {$78000.00} from my XXXX XXXX account to : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CO to her US Bank account, so she could buy Bitcoin. Never received any correspondence or verification of any purchase from her. 

XX/XX/21 I reached out to XXXX XXXX  and spoke with the branch manager to report the fraud. She indicated that they should be able to claw back the funds from US Bank. I also called US Bank to let them know as well that I was defrauded by XXXX XXXX. 

XX/XX/21 I received a check from XXXX in the mail for {$970.00}. I was told by by the branch manager at XXXX XXXX  that it was all US Bank could get back. 

Why is XXXX XXXX allowed to have an account at US Bank and why am I not made whole by US Bank?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have been contacting all 3 credit bureaus reporting agencies trying to get validation and proof of this medical collection debt. I have started this process verifying this debt since the summer of XXXX, XX/XX/XXXX ( I have been submitting letters of method debt validation, requesting proof etc. every 90 days to allow them time to no avail ) as I maintain health insurance with my employer and shocked I received this on my credit profile. Every communication from the 3 credit bureaus have only mentioned verified and never provided the source or their method of verification ( which is unacceptable ) I have constantly disputed this with the agencies as they have not provided substantial details of method of verification. 
I then decided to contact the collection agency to possibly get some clarity and validation. I sent a letter priority mail XX/XX/XXXX to ARS requesting proof of this medical debt. I requested to get proof of signature that I stated it was okay to release my information to collect medical debt and proof that I authorize this.

I work for an employer where health insurance is provided and maintain. ARS sends me a letter saying I know they represent physicians NO I do not know this and I need proof from the medical facility and doctors that I agreed to this. 
This is in violation and I would like this removed from all 3 credit bureaus reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Porania, LLC
State: NJ

Complaint narrative:
These accounts don`t belong to me. Please remove from my credit reporting agencies. Please see beloww the lis of accounts that are reporting derogatory on all 3 credit reporting agencies.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX a collection account randomly appeared on my credit report From Pro Collect. I NEVER received any notification in the mail or otherwise. No right to dispute. Which is illegal. No phone call or anything. They are extremely rude and hang up. I contacted the original creditor XXXX XXXX XXXX. who confirmed my account was sent to collections in error by new property management company, they stated they would take care of it. on XX/XX/XXXX I received a letter from Pro collect stating the account was being submitted for deletion to the credit bureaus and this matter was closed. As of today this inaccurate derogatory account is still be reported. I disputed the account with the credit bureaus which is still pending 3 weeks later. I am being denied a loan due to their illegal business practices. I called pro collect today to inquire about removal the rude guy stated I would have to send an email to a person named XXXX to request deletion. before I could ask for the email address the rude guy hung up on me. This account never should have been reported in the first place and this company is violating both the fair credit reporting act as well as fair debt collection practices act. No excuse why they havent taken any action to remove this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

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

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

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
ALLY has FURNISHED data on the consumer without the consent of the consumer ALLY 'S reports defamed exposing the consumer to adverse action ALLY HAS FALSIFIED documents on loan paperwork as original creditor. 
ALLY has harrased and illegally collected payment from the consumers credit sale.

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 2021-09-02 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have an account with Chase credit card # XXXXXXXX XXXX XXXX XXXX.I noticed multiple fraudulent charges made totaling around {$19000.00}. One of the main indications that these charges were not made by me is that some of them happened at non-kosher establishments ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX amongst others ) .I strictly observe XXXX, and would not eat or take food to go that do not have certified XXXX certifications. There were also large charges made at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and some clothing stores ) I tried disputing this with Chase explaining that I did NOT make those charges. I called numerous times but they gave me the runaround. As of yet they still claim I owe them {$19000.00}. 
I met with a Chase representative who agrees that these charges should be dropped. His contact info : XXXX XXXX XXXX ( officer ) XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX cell : XXXX office XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been the victim of predatory lending. The original loan purchase was {$460000.00}. The loan was restructured in 2009 with two balloon payments. Now, after paying faithfully, no missed payments or refinanced payments, and 17 years later, my loan balance is {$500000.00}. The loan has been sold several times, all to lenders with predatory lending practices : XXXX, XXXX XXXX XXXX, Ocwen Loan and now PHH Mortgage.

The interest rate was an adjustable rate and is at 5.25 %. I can't even refinance the loan as my monthly payment will go up due to these treacherous balloon payment. I'm asking that the lender forgive the balloon payments ( {$210000.00} ). My mortgage balance should rightfully be {$280000.00}. I was a single mother and could not fight this issue as I was trying to keep a roof over their head. I hope you can help me.

I have every document from the inception of the loan. I just need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This car loan was paid in full over 4 years ago and it still shows on here that is not paid. XXXX XXXX XXXX  paid it off and my loan then became with them. I pay XXXXXXXX XXXX monthly for the loan that they gave me a better rate at. Capital one auto financing should be in good standing. It shows a balance of {$16000.00} but in fact I only owe {$4500.00} that I pay monthly to the third party loan company.

Company response to consumer: Closed with explanation