vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I dont know whats going on these people are trying to scam me I have never heard of these people I wont these bad reports off of my credit as soon as possible its on there 3 times from I.C . System, INC I need this scam off of my credit this company has to be a fraud company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am using the Chase card benefits re : trip disruption to get refunds on a roundtrip flight as a result of the hospitalisation and passing of my grandmother. It covers both myself and my finance who both used the card to purchase flights and had to cancel last minute due to my grandma 's sudden illness. ( for claim no. XXXX ; XXXX ) I have provided all the required paperwork a month ago ( see the list of paperwork that is required per Chase eclaims website FAQ and the list of paperwork I've provided ). However, I keep getting unreasonable follow-up requests for additional paperwork above and beyond what's required, and with minimal explanation for why they are needed. It feels like hte insurance is trying to drown me in paperwork so they don't have to make the payment. Some of the last ones are imposing significant burden for me to provide- for example, one of the comment was " proof of refund was insufficient '' and asks that I follow the example on FAQ website. However, I can't follow the prescriptive letter head on the FAQ which offers some refund and apologies to the customer- in my case, it was my grandma 's hospitalisation and passing, and not the airline 's fault or delay. Thus there is no written statement for any refund other than the email that was sent to me. This insurance benefit feels like a complete scam- especially in my case, there is no sense of humanity other than just wanting to profit and minimise insurance claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
Williams and Fudge Inc is attempting to collect an alleged debt on behalf of XXXX XXXX. Williams and Fudge Inc is a 3rd party debt collector. I have no written contract with Williams and Fudge nor any agreement with them to collect anything from me. I have never given written consent to Williams and Fudge Inc to have my personal information as this is identity theft. Williams and Fudge Inc are not legally licensed to even collect in the state of California per the NMLS consumer access site so not only are they illegally attempting to collect an alleged debt, but they are also illegally practicing without a license in California. They have reported this account on my credit reports without my written consent as well which is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX someone tried to open up an account with Bank of America using my social security number. Along with an identity fraud XXXX, I reached out to Bank of America to make sure that all attempts to open accounts would be rejected. They confirmed with me that a flag would be placed on my account and no one would be able to open any accounts unless I received a notification in my Bank of America app. 

Despite this, on XX/XX/XXXX, Bank of America successfully allowed someone to open an account using my social security number and an address that was not mine. Theme for me that the flag to prevent anybody from opening accounts was not adequately placed because the past attempt was not a full open but just an attempt to open an account. 

My complaint is to escalate the fact that it is so simple, just simply using a person 's social security number and name to open a fraudulent account at Bank of America to an address that is not my address. This is an even bigger deal because I have active accounts at Bank of America and they should be well aware that this is not my address nor my phone number. 

Fortunately, the fraudster used a variation of my email address and I was alerted to the fraud but I shudder to think what would happen had it actually gone through and I didn't call Bank of America to shut down the fraudulent 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 2023-04-19 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report Equifax that has items that are inaccurate an needs to be deleted asap. checking the information submitted alot of data is not 100 % accurate an is hindering my file with all my personal information. please review an delete the information listed on my credit report that will help clear my file an put my credit score in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I took out a HELOC in XXXX with GMAC and paid it off 15 years ago in XXXX at refinance settlement with XXXX XXXX XXXX  ( Please see attached Settlement Statement showing payoff with XXXX XXXX XXXX  as well as the paid-in-full letter from GMAC XXXX XXXX ) XXXX However, GMAC never released the XXXX. XXXX XXXX was a savings and loan association that was based in XXXX, California. The company underwent bankruptcy and was divided up between XXXX XXXX in XXXX, which in turn was acquired by XXXX XXXX in XXXX & Ocwen Loan Servicing which is now PHH Mortgage. 

We filed a CFPB complaint against XXXX XXXX ( Case number : XXXX ) In response to that complaint, XXXX XXXX has XXXX the following : The loan referenced was serviced by GMAC. GMAC was acquired by Ocwen Loan Servicing who is now PHH Mortgage. 
( The full response from XXXX XXXX is attached to this complaint - " XXXX response XXXX '' ) We have enclosed the HUD Settlement Statement, which confirms the payoff of the second mortgage was to GMAC. 
The attached Deed of Trust shows the lender as XXXX  XXXX XXXX XXXX XXXX ( XXXX  ), the nominee for GMAC. 

Based on the above information we received from XXXX XXXX, ( XXXX response XXXX ), we hereby demand action be taken by PHH Mortgage to provide a release of the XXXX lien in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I got a phone from XXXX XXXX I was quoted 1 amount for the monthly bill and received a bill for a different amount I was given 30 days to return all items which I did on or around XX/XX/XXXX. I got the phone on or around XXXX XXXX. The woman I spoke to called me on or about XXXX XXXX and informed me that they received their items and I owed nothing. Now today XX/XX/XXXX from AmSher Collection Services Inc. that they're attempting to collect a debt of {$160.00} for XXXXXXXX  for a debt from XXXX XXXX. 
I called XXXX and spoke to a representative who stated that since I no longer have an account she couldn't help me and I'd have to go to a XXXX  store. I am also a XXXX XXXX XXXX veteran and live on a fixed VA XXXX income only

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In regards to Synchrony bank/ Paypal Credit I have called on many occasion over the years to try and allocate a payment made toward a special finance purchase. First I don't know why consumers don't have an option to opt out of this SFP special finance purchase program. Every charge made that exceeds only {$99.00} is automatically placed into this program and the consumer has no option but to call Paypal credit, waste considerable amount of time being looped around until one can get a hold of a live person only to be forced to call back a week or so later because the allocation request wasn't processed. I am exhausted of calling back, as I just did again, to follow up on an allocation that wasn't processed. Is there an option to avoid this chaos and not have charges of only {$99.00} fall into this SFP? I now don't use this Paypal credit to avoid this {$99.00} falling into the SFP program. 

Exhausted 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 2023-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX / XXXX XXXX XXXX XXXX NY XXXX sent me a bill saying I owe a hospital bill XXXX. I told them many times to send me proof I owe this debt. I wrote them a letter XXXX XXXX telling them I don't owe this debt. They keep sending me the same letter stating I need to write them to dispute and pay my debt. The recent letter i got was XX/XX/2023. That says I need to sent another letter to dispute. I don't owe any hospital XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
To who this may concern, On XX/XX/XXXX I open a credit line in Iddeal Credit card to make a purchase of {$7300.00}. I felt the sales lady keep pressuring me to get something I can't afford, they keep telling me to apply for the Iddeal credit card. I was unsured I ask if I can return if he didn't like it, she said sure you can. I got approved sign and left. On XX/XX/XXXX I return to The XXXX XXXX XXXX to return it got a full refund for {$7300.00} then purchase {$1800.00} same day, leaving me to think they will refund {$5200.00} to the Iddeal account. I did a dispute to Iddeal in the beginning of XX/XX/XXXX but until today XX/XX/XXXX I have not received any answer I been making my monthly payment. I honestly can't afford to pay something I don't have in my possession.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I sent XXXX from cash app to my XXXX account.. supposedly my money was sent back.. Ive never got my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: CA

Complaint narrative:
XX/XX/XXXX XXXX recon claim got two letters in mail stating I was denied same day I recon. Its been 90days since all XXXX claims were filed. I received a letter stating I was approved for claim to go to my favor, it was dated XX/XX/XXXX but came in XXXX. I dont see how a paper dated for XX/XX/XXXX came a month later and the Letters XXXX XX/XX/XXXX came exact same day. All claims filed same time one approved two others on investigation. I been giving the run around and having financial hardships since not receiving cards in 2020.

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 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I am filing this complaint against RESURGENT CAPITAL SERVICES who is affiliated with LVNV FUNDING LLC for violations of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
On or around XX/XX/2023 my wallet and cell phone was stolen from my car. I reported the theft to the authorities and they issued a report which is all they said they could do about it. Whoever stole my wallet started to use my debit cards at various locations around the city to the tune of nearly {$300.00}. I contacted Chime ( XXXX XXXX XXXX ) to inform them of the fraudulent transactions and go through their process of disputing these charges. They told me that the process takes between 60 and 90 days to complete but that I was eligible for a temporary credit for the amount stolen until they completed their investigation. They told me that I had to wait 2 weeks before they would give me that credit. They never gave me the credit. Upon checking the app on my phone I saw that the disputes were denied. I then contacted them again to find out what was going on because they denied it in less than 10 days, an agent informed me that I could request a re investigation. Doing this would make the time start over for receiving the temporary credit. I really needed my money. I reached back out to them a total of three times in the month of XXXX. All they would tell me was that after their investigation my disputes were denied and they would send me an email detailing why in 10 days, I was told that twice. I provided them with a copy of the police report and they still denied it. I dont think its fair that I had to be penalized for being a victim of theft. I have yet to receive any emails detailing why I was denied receiving my money back in my account. I am XXXX and unable to work so I really need help with getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Zions Debt Holdings
State: AR

Complaint narrative:
I received a text from an unknown number about a debt. And offered a settlement amount. 

I asked for validation and the agent was rude and tried to intimidate me when I asked for verification. 

I was advised it appears that you are just XXXX stuff, let us know when your ready to pay.. 

I was advised this is what happens when you don't pay your bills. 

They were very rude and stated " Like before you will get verification AGAIN " in 72 hours. 
At this point I asked for a cease and desist until they provide the documentation to her email. 

The person responded " Pay your bills, and your request to cease and desist isn't valid. Send it in writing. 

I responded watch your tone in the manner of witch you speak, and I explained that my request to cease speaking until validation has been provided by text is just as valid as the settlement amount they offered. It's a written request. I let them know they were in violation of my FCRA. Contacting me after I asked her to cease and she said nice try .... 
And I let her know to speak in an intimidating manner that's the second. 

Also I asked that they provide a hard copy of the contract. Copy of the pay off disclosure. Interest rate disclosure. Balance history, payment, history and credit insurance. I also asked for the statue of limitation in my state which is 3 years. I asked for removal of this debt and I would like to report them for their practices, and practice of trying to intimidate me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This is my XXXX complaint about Synchrony Bank. Now it's about my Care Credit card. 
I made a statement about them targeting me as an XXXX American customer. I spoke with a customer service representative today over the phone. In the last conversation I had with them I explained to them to contact me by phone. Please no emails due to my illness I may not see or receive them. I am very ill and under XXXX. I have not received a bill or a phone call from Synchrony Bank to discuss any matters like most credit card companies operate when a bill is late. 
Today I spoke with XXXX and I let him know that I was going through my emails today and I received a message from Synchrony Bank asking for my zip code to retrieve the letter. I have attached a copy to this letter. The letter stated that my credit was decreased to what I owed XXXX dollars. Synchrony Bank never contacts me by phone or sent a bill in the mail. The representative said they sent me a text message. I never chose text messages as an option for contact. Text messages to a customer 's phone are so unprofessional for a company to use. Synchrony Bank is using other tactics to downgrade customers ' credit scores because they can't report unless they are 30 days late. The representative stated the department that handles the delinquent accounts found me to be a risk after a week and a couple of days late. They never contact me by phone or by mail to my address to discuss any matters or resolved issues. I have not used the care credit card. If Synchrony Bank would use the proper point of communication they would find out the correct information pertaining to why I didn't make the payment due to my illness and I forgot. The customer is ill and forgot. This letter of complaint is being copied and I am going to get the media attention because this is a violation totally. They sent a letter on the same day they decreased my credit to cover their back by email I would never discover the letter from Synchrony Bank if I wasn't looking for a medical bill that a company called about and asked if they could send the EOB by email so I could print it out. Synchrony Bank letter was in my Spam Mail. I spoke with the Bank months ago when I put the first complaint in and asked to be contacted by phone calls and mail Only. I have attached the letter. This Company is a Scam!

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 2023-04-20 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: TX

Complaint narrative:
I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

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