vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A company named XXXX, XXXX, XXXX, & XXXX has served me and is suing me for a debt they bought from BOA that is XXXX XXXX XXXX and what I believe is identity theft as I do not recognize the debt. Someone made a mystery payment in XXXX of XXXX  so that they can reopen the case. This appears to be a gross violation of my FDCPA rights as I read them. This company appears to be the ambulance chasers of debt collection. I have found several complaints from the XXXX  and several lawsuits related to shady collection practices. If my only option is to go to court I will, but I would like to sue them for violation of the FDCPA.

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 2024-01-20 00:00:00
Product: Credit 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: OH

Complaint narrative:
Hello- on XXXX I entered into an agreement via my chase plan for a XXXX  month buy now pay later plan. The interest rate is 0 %. The total amount was for {$2900.00}. To date, I should only have paid one payment for XXXX plan payment. 

However, I have had two unrelated purchases refunded to my account. The refunds were for {$210.00} and {$15.00}. These refunds were applied to my chase plan and not the monthly balance therefore forcing me to pay the XXXX promotion early. I had no involvement in where the refunds were applied but because they were misapplied I am now being forced to make a higher payment for my interest saving balance. Or be charged interest unfairly. This is a deceitful and dishonest practice and I can not get help from Chase Customer Service. The third rep I spoke with agreed with me that this is not fair and also submitted a complaint. 

I have called three times and this last time I spoke to a supervisor who would not listen to the issue and instead accused me of not knowing what I was talking about. He was very rude, and did not give me the consumer credit protection agency phone number when I asked. I was also hung up on with no resolution. I did not once use bad language with him I just wanted to be heard. I still have gotten no help and need intervention. 

The supervisor tried to say that they are forced by the government to apply any payments above the minimum to higher interest balances which is also strange because the my chase plan is a 0 % interest but my monthly credit cards APR is 27 % so therefore the refunds should have went to the higher percentage balance. I would like to note that XXXX has the same types of offers and does work to allocate payments with their consumers so I know that it is something that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
A company named Andreu, Palma, Lavin, & Solis has served me and is suing me for a debt they bought from XXXX that is XXXX XXXX XXXX and what I believe is identity theft as I do not recognize the debt. Someone made a mystery payment in XXXX of XXXX  so that they can reopen the case. This appears to be a gross violation of my FDCPA rights as I read them. This company appears to be the ambulance chasers of debt collection. I have found several complaints from the XXXX  and several lawsuits related to shady collection practices. If my only option is to go to court I will, but I would like to sue them for violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: COLUMBIA BANKING SYSTEM, INC.
State: OR

Complaint narrative:
XXXX XXXXXX/XX/XXXXumpqua bank XXXX XXXX XXXX XXXX mortage but it say external XXXX XXXX i log in want to look at statement cant never click in the date when i want to change setting it say it will go back the what it was i cant change my phone number XXXX recieve 2 debit card activate none of them it work it say unvalid cvv not macth with the card link bank and then get kick out XXXX just recieve the card but card loom like it been use not like a new card call the customers service it direct me to different number and sent me around withouf asking for my info XXXX are the same as the other 2 i cant change any of my profile specially when i change the address or phone it kept jump the white page and freze up

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XX/XX/XXXX and many dates there of I have tried to get verification from XXXX XXXX of an address they reported, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has never been my address! Its my fathers address and hes deceased! Many other reporting errors from XXXX XXXX due to XXXX on my ex husbands card XXXX XXXX was reported as a past due when the card was closed due to XXXX and the charges were never proven or removed! But since he closed his accounts with XXXX XXXX XX/XX/XXXX and opened new ones with XXXX XXXX everything remained in my name which was disputed and written off completely by XXXX XXXX for failure to provide proof! Still remains On my report as past due balance when the case was settled and closed! XXXX XXXX is impossible to deal with and handles nothing properly after yrs of complaints!

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 2024-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
On XX/XX/, I received an email notification informing me about a collection debt of {$840.00} on my account. I was taken aback as I had never received any prior communication regarding this debt, not even from the collection agency. I found out about it only when I saw it on my credit report. 

When I called the collection agency, they asked me for my phone number to locate my account, but they couldn't find anything on their system. They then asked me for my social security number to search for the account, but even with that information, they were unable to locate it. The person on the phone hung up on me after that. 

I called again and spoke to someone else, but they were also unable to find any information about my account. However, this time, the person did not hang up on me. They said they would create a case for me and get back to me in 2 to 3 days, but I have not heard anything yet. 

I am in urgent need of help to get this debt removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On XX/XX/2009 Wells Fargo received my {$830.00} mortgage payment. 
Wells Fargo subsequently sent me a {$830.00} refund check # XXXX on XX/XX/2009, drawn on Wells Fargo Bank, to me but stopped the payment on it. 
Fargo Bank kept the money and didn't apply it to my mortgage. My money disappeared.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank unfairly reported negative payment information to all 3 credit agencies regarding a situation in which the account holder ( me ) was not at fault for the delay in payment. On XXXX XXXX, there was a technical error with XXXX XXXX XXXX auto billing which resulted in a missed payment cycle to Citibank. The account holder was unaware of the issue until the following billing cycle at which time the billing issue was corrected and payment was rendered. Citibank was made fully aware of the problem and completely ignored the fact that the missed payment was at the fault of XXXX. Citibank unscrupulously reported negative information to my credit report for 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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive recently check my credit report in because I decided to change my life and chase my dreams and noticed a few in accuracies on my profile. Please check every piece of information and make sure its accurate and accountable in accordance to The Fair Credit Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IA

Complaint narrative:
I was instructed when signing for the loan to purchase their loan insurance products. XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
I kept getting emails and letters in the mail saying I was qualified and then I would go to apply and I would never get approved so it kept hurting my credit over and over

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Signed up with Affirm because they advertised their 4.37 % interest rate with their savings account. Seemed easy and trustworthy as they are used on a lot of popular websites such as XXXX and XXXX. 

Transferred XXXX  XXXX ( meant to try {$8.00} ) ; Affirm customer service said they could not assist. Then escalated but they never reached back out within the timeframe provided ( XXXX hours ). 

Now, the funds have cleared in Affirms savings account but can not transfer due to a random freeze which none of the companys agents have access to, allegedly. I requested for my routing and account number so I can attempt a withdrawal but they refused. 
Affirm shows Available Balance : {$8000.00}. 
My credit union recommended I reach out again but I already have and it seems to be common -via Reddit forum.

I understand Affirms savings accounts are held by XXXX XXXX XXXX  : They are a New Jersey State Chartered Commercial Bank, Member FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centron Services
State: MT

Complaint narrative:
I have sent 2 certified letters to XXXX, XXXX and XXXX XX/XX/23 and XX/XX/23 requesting proof of my wet signature on my appointments. I know that the hospital had sent a request for payment to my insurance for at least 1 appointment that I had never seen that provider before. They are also trying to bill me for bills on my deceased daughter that was double insured. I made an appointment for XXXX at XXXX XXXX XXXX XXXX to serve me and he never showed up. This was after he contacted my HR to find out how to serve me and now he has contacted my HR again and has not reached out to me for months. I work for this hospital and know for sure that they are not even billing the patients they are just sending them to collections ( I have been told that by billers in our organization ). I have not gotten any bills from XXXX XXXX. I have been insured the whole time working for them and want proof that they are not trying to collect on something that was paid for by insurance. I have had hundreads patients complain to me about the harassment by this Credit Collection agency and XXXX XXXX not billing properly or getting paid by the patients insurance then they are asked to to be paid on top of that. i have applied 2 times for financial assistance and never received anything back from the hospital other than an email on my work email confirming the second attempt to get help. I also have not been given proof that any of these bills are not bills that my attorney has paid for from an car accident I was involved in. What they are doing to patients is discussing. XXXX XXXX XXXX XXXX thinks they can get away with harassing patients because it's Montana and patients don't know any better. I have also gotten a divorce and have no proof that what they are trying to collect on is not my ex husbands responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I went through debt reformation using XXXX XXXX XXXX for my XXXX backed XXXX card. I completed my program and paid all debts off.

I reviewed my credit score last year and noticed Synchrony did not follow through on the agreement, so I flagged it for review. Synchrony then decided to sell the debt they said I owed to XXXX XXXX who has used the multiple debt collection companies they own to harass me since XX/XX/year>, even though I have provided documentation proving I don't owe any money. 
I contacted Synchrony multiple times and recently received a letter stating they sold the debt and that I need to work with XXXX XXXX. 
The debt companies won't back off even with proof because they just want the money and Synchrony had no right to sell a debt I paid off and should be the one to resolve this.

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 2024-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: MN

Complaint narrative:
On XX/XX/XXXX, I noticed a charge from my XXXX XXXXXXXX XXXX XXXX account in the amount of {$400.00} pending. I have two accounts at XXXX XXXX XXXX and rarely use this account. This particular account doesn't support checks, I don't even have checks for this account. The transaction was returned. I immediately called XXXX XXXX  XXXX and reported the issue. They froze my account from further transactions so it could be monitored for further fraudulent activity. I contacted Telecheck about the transaction and faxed in the completed Telecheck Forgery/Identity Theft Declaration on XX/XX/XXXX. 

I have not heard from Telecheck since them, except a mailing with a tracking number. I have attached all documents to this compliant. On XX/XX/XXXX, I received a notice from TRS attempting to collect the debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I received a statement from Concoria Credit, formerly Genisis Credit regarding my Destiny and Indigo Mastercards. This information advised me of a fee being added onto the card. I called Concoria to discuss and they advised me it was a subscription. These are credit cards not subscriptions. Then I was told it was a reactivation fee. Again they are credit cards so they do not get reactivated. Finally I was told they were membership fees. Typically with memberships, there are benefits for the consumer. The two representatives could not give me one membership benefit to the membership for a credit card. They said the fee gives me access to now 29.9 % credit cards. I requested closing of the accounts only if they could provide credit deletion to not further harm my credit as they have already. This is robbery and taking advantage of people during a vulnerable time of inflation and a crashing economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On XX/XX/year>, I gave my {$29000.00} Reinstatement Cashiers Check to Wells Fargo through XXXX XXXX Firm ( formerly XXXX XXXX XXXX, & XXXX XXXX ) to redeem my mortgage out of foreclosure and Sheriffs Sale. 
Wells Fargo stated they would forego late fees. 
Wells Fargo ahould have offered me a modification but kept my mortgage in Foreclosure for XXXX  years. 
Wells Fargo disappeared my money & applied small portions of my money to unfair junk, suspense and phantom fees and did not properly apply my money to my mortgage.

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 2024-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
The servicing of our mortgage was transferred to Newrez LLC on XX/XX/2023. They sent numerous emails and letters in the mail letting us know who they were and that we would be able to log in to our account and have full access, just like we were able to do with our previous mortgage company, XXXX. Every single letter and email we were sent told us we would have full access to our information and be able to pay our bill online. 
Since then, we have been able to log in to our account, but the pages don't load and error messages pop up every time we try to click the link to pay our mortgage, or view documents. I can't view anything on their site pertaining to my account. I contacted the company in XXXX to let them know about the issues and they said to give it a week and if it kept happening they would transfer me to their IT department. It doesn't make any sense for me to be transferred to their IT department when the error has to do with THEIR site. In XXXX, I emailed to inform them again about their website not working and I never received a response. 
Last month, I was able to log in and actually pay the mortgage through their website, but now I'm not able to. They also sent me emails and text messages that my tax documents are available online, but when I log in, they aren't there and more error messages pop up. I have tried multiple times to access this important information. 
This is so incredibly frustrating. If they can't do something as simple as make their website work for their customers, then they should not have acquired so many new accounts. It is a huge disservice to their customers when we can't even view our own account details, or print out our tax information to file our taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
my information was leaked in the Equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation