vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Most recently there area number of individuals whom have been deployed around me with the support of hacker informants and persons whom are attached to my identity within the last 3 addresses I have resided at. These individuals are illegally intercepting my community communications mainly from XXXX XXXX XXXX XXXX and XXXX XXXX College in conjunction with a Congressional member supervision. These individuals are preventing me from using my credit cards at Amazon.com to budget and provide someone with a similarly and identical life here where I live just in the XXXX XXXX. These individuals are being controlled by a number of law enforcement individuals and persons training and snitching for law enforcement that have illegal access to my XXXX alarm and my apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: SD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/2020 XXXX Absolute Resolutions Investments , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : XXXX XXXX Account : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Balance Information To : XXXX Absolute Resolutions Investments , LLC This letter dated XXXX day XX/XX/2020 is advising XXXX & Absolute Resolutions Investments , LLC, I am seeking balance information of an Account XXXX & Absolute Resolutions Investments , LLC is showing on file. Please be advised that per my records Account # XXXX & Absolute Resolutions Investments , LLC A # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX should have a balance of {$0.00}. Pursuant to the Federal Fair Debt Collection Practices Act, you are hereby notified by XXXX XXXX to provide that information and make correction to your files. You are advised to send proof by us mail within 7 business days update with correct information with the above-referenced by XXXX & Absolute Resolutions Investments , LLC and updated credit reporting account paid in full. 

In the event that you fail to honor my request could subject your company to liability under Federal law. 

Please be advised on XXXX day of XX/XX/2020 has been given written corresponds to make correct changes per above Thank you for your attention regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
Specialized Loan Servicing a collection agency has not reported to the Credit Companies since XX/XX/XXXX about our loan it is still showing a balance of {$23000.00} which was the balance on XX/XX/XXXX and has been paid in full with payments in between last payment was paid XX/XX/XXXX and we have a XXXX balance which has not been reported to the credit companies and nothing has been reported to the credit companies since XX/XX/XXXX which is totally wrong and not fair or right. They are more concerned about bankruptcies than their customers and having to report to the credit Companies. To wait that long is just not right and last I heard they do not expect to report until XX/XX/XXXX which would be over 5 months since they last reported. Really and they are a collection 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 2021-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Right now I am bothered! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the purchaser concurring! " XXXX XXXX XXXX XXXX - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit announcing ( XXXX ) The XXXX XXXX is reliant upon reasonable and exact credit revealing. Wrong credit reports straightforwardly impede the effectiveness of the XXXX XXXX  and unjustifiable credit announcing strategies sabotage the public certainty which is crucial for the kept working of the banking system. ( XXXX ) Consumer detailing organizations have expected an essential part in amassing and assessing customer credit and other data on shoppers. The XXXX XXXX  is reliant on the reasonable and precision detailing of customer organizations. At XXXX XXXX when you neglect to manage your work in addition to the fact that it hurts me it influences the financial framework. The XXXX XXXX  brings in cash by loaning to customers like me. I have connected a few times griping about the off base things on my customer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for case for the entirety of the infringement and for the torment you folks have caused me by demolishing my standing by announcing off base things. THIS NOTIFICATION IS AN AUTHORIZATION! SO PLEASE DO NOT REPSPOND ASKING FOR AUTHORIZATION!

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 2021-03-01 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: GA

Complaint narrative:
Right now I am bothered! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the purchaser concurring! " XXXX XXXX XXXX XXXX - Congressional discoveries and mission statement ( a ) Accuracy and reasonableness of credit announcing ( XXXX ) The XXXX XXXX XXXX reliant upon reasonable and exact credit revealing. Wrong credit reports straightforwardly impede the effectiveness of the XXXX XXXX, and unjustifiable credit announcing strategies sabotage the public certainty which is crucial for the kept working of the banking system. ( XXXX ) Consumer detailing organizations have expected an essential part in amassing and assessing customer credit and other data on shoppers. The XXXX XXXX is reliant on the reasonable and precision detailing of customer organizations. At XXXX XXXX when you neglect to manage your work in addition to the fact that it hurts me it influences the XXXX XXXXk. The XXXX XXXX XXXXrings in cash by loaning to customers like me. I have connected a few times griping about the off base things on my customer report. Well I am complete the process of grumbling. I request you eliminate these incorrect things or I will look for case for the entirety of the infringement and for the torment you folks have caused me by demolishing my standing by announcing off base things. THIS NOTIFICATION IS AN AUTHORIZATION! SO PLEASE DO NOT REPSPOND ASKING FOR AUTHORIZATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the XXXX XXXX XXXX XXXX XXXX U.S.C. XXXX, XXXX C.F.R XXXX. See Also XXXX C.F.R XXXX XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- XXXX ACCOUNT XXXX. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my 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 2021-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Applied for a Lowe 's credit card ( Synchrony ) and although I don't actually need it I feel disrespected by their made up " XXXX XXXX ''. I know for a fact my credit is in the very good/excellent range. They failed to take ownership and claimed/blamed it on the information recieved from the credit bureaus which I monitor constantly. After analyzing the situation I realized that whenever these " companies '' do this type of thing the normal reaction will be to and try to see if there are some derogatory marks or try to get the XXXX XXXX XXXX. You would think that's an easy task? Yeah as long as you're willing to " verify '' ( provide enough information to be scammed XXXX and of course pay something XXXX free trials, sure ). 
I feel it is a shame and it's basically disgusting to me to see every single financial institution trying to collect as much liquid assets XXXX at least for a short period of time ) during a XXXX and XXXX crisis. In example XXXX XXXX XXXX taking back millions in claims for 90 days without a valid explanation or even gas stations " holding '' hundreds of dollars at a time for several days. Beware and try to take advantage of the very few actually free services that are left still. 
I am not interested in the stupid card but would like to see transparency or a made up score that ACTUALLY reflects my credit history. My credit has Not been below XXXX EVER.

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 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: SC

Complaint narrative:
Keep getting letter saying I owe XXXX to synergetic communications, inc. the original creditor is XXXX XXXX XXXX XXXX. I have no idea who this is. I google the address and its a medical group. I think its a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Ive previously contacted Capital One via mail requesting the updating of inaccurate information XXXX late payments XXXX on my credit report.They sent a letter refusing to XXXX update the information on XX/XX/2020. Then After emailing their CEO explaining my issue I received a call XXXX/XXXX/202. The representative wanted me to tell her my story and afterwards she told me they refused to remove the information again. Tell me that isn't unfair? 

I am very unhappy with the unfairness and inequitable practices of Capital One. 
After reporting the presence of inaccurate information on my credit report and requesting that the information be corrected. As accuracy is a measure of value, I was told that this information was valuable to my life and that it could not be changed. In addition, my reputation has been ruined as Ive been denied credit increases and extension of credit by multiple lenders due to Capital One reporting these late payments. 

According to XXXX XXXX XXXX XXXX - Harassment or abuse A debt collector XXXX not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I tried to transfer stocks from Robinhood to XXXX and it was blocked. This was almost 2 months ago. I then sold all stocks and removed all money from my account. XXXX weeks ago I tried to close the account and it will not let me. I have sent XXXX help requests with no answer via email and no one answers the phone at their corporate office. I want this account closed and my information wiped from their system due to suspect business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
My lease on my XXXX XXXX XXXX expired on XX/XX/XXXX. A week before this, I was talking with a representative of Prime XXXX XXXX that was sending me car options to buy since I would be trading in my vehicle. I informed the representative that I didnt see any cars on their lot I was interested in and would be continuing my search at another dealership. During the conversation, we talked about my car mileage and how it was over XXXX below my lease agreement. The representative then informed I could use the equity my leased vehicle had accumulated and I would be able to put towards a new car for me. We scheduled an appointment for XX/XX/XXXX, to talk through this option and view some cars available for purchase. When arriving to the dealership, I test drove XXXX different cars, and wanted to continue a conversation on a XXXX. At this point, my husband and I were told we would not be receiving any equity from the leased vehicle because there was an open manufacturer recall without a remedy. We were told by the representative that if they gave us any money for the XXXX, they would suffer a loss because of the recall. This was the first we were hearing about any open recalls on the leased vehicle. This seemed to me as a bait and switch tactic which was very deceptive to get me into the dealership. The dealership would have known about the recall before I went in and should have never offered any equity if it was not an option for me. In addition to this, a recall on the leased vehicle with no fix should not have anything to do with equity from not driving the car. Again, very deceptive and would be the the responsibility of the manufacturers XXXX XXXX XXXX. I have tried to rectify this situation with Toyota Financial Services, who agreed with me, and they encouraged XXXX to work with me. XXXX never did. A complaint was filed against XXXX with Toyota Financial Services, but I still believe my rights as a consumer have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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:
Hello, Equifax and XXXX  provided a generic response to my complaint and it was not accurate. I have sent the letters in to both credit bureaus from XXXX through XXXX. The letters are attached. I have authorized this compliant. I am not a third party submitting this complaint. My ID and utility bill are attached. I need these items removed and my personal information updated. I have sent in several letters every month by mail. I have called and was informed to submit this information and I did such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX  Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: LEXISNEXIS
State: CA

Complaint narrative:
Consumer file number : XXXX - Case number : XXXX. On XX/XX/XXXX I submitted a dispute together with my identity information XXXX  # XXXX XXXX XXXX XXXX XXXX received XX/XX/XXXX by XXXX XXXX. Since I did not receive a dispute result letter I followed up on XX/XX/XXXX with a letter to send me an updated report with the deleted information. I received a general response letter dated XX/XX/XXXX asking me to mail in a request form. It has been more than 30 days since my initial dispute and I demand that the information to be deleted as required by Federal Law. Anything else would mean that this company does not have to follow Federal Laws. Your help is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express offered a promotion for {$30.00} off of a {$30.00} or more purchase on XXXX purchase. The offer isn't valid for promotional offers or urls with the word promo ihe the address. My internet history shows I went to XXXX. I purchase {$55.00} worth of wine without a discount applied. I did not receive the American Express offer because they said in addition to the steps I followed the merchant needs to send a specific merchant name across to trigger the promotion. American Express will not give the credit due to a technical issue between American Express and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
talked with XXXX XXXX, supervisor of insurance dept at XXXX XXXX on XX/XX/XXXX, XXXX told her that i emailed a demo permit from the city of XXXX , per her request to cancel their insurance requirement on the property. they confirmed on XX/XX/XXXX receiving the email that i emailed first on XXXX and again on XXXX neither time did they acknowledge receiving the email until i spent two hours with them on the phone on XX/XX/XXXX, XXXX they have charged me for " force '' insurance in the amount of {$2700.00}. they can not charge for this when there are no improvements on the property. they need to refund this money. 

also i paid myXX/XX/XXXX payment early on XX/XX/XXXX, XXXX they have not applied this as a mortgage payment but rather to principal reduction. by doing this, they are now saying that i didnt make a XXXX payment. i also made a payment on XX/XX/XXXX and XX/XX/XXXX. i don't know what they have done with these payments. by applying these payments where they want, instead of to the regular mortgage payments, they now want to charge me late fees, penalties, interest and mess up my credit. this is fraudulent. 

what can u do to stop this fraud? also i asked them to email me my deed of trust. they said they would but instead emailed other useless docs on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
XXXX allowed a buyer to rescind an auction where sales are not refunded. XXXX superimposed its power to reclaim funds from seller account without authorization. These same funds were on hold for 21 days at PayPal due to Buyer suspicious activity. XXXX illegally pulled funds and left the seller in a {$6.00} deficit due to PayPal fees. PayPal allowed this although when questioned, XXXX denies any affiliation with PayPal and PayPal denies any affiliation with XXXX. XXXX was able to STEAL money unauthorized from seller account. 

XXXX then relisted this same item. A new buyer won the auction and the dispute is NOT finished. Now the money has to be refunded to the new buyer and XXXX  will be paying for all fees!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02 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: Paypal Holdings, Inc

Complaint narrative:
just happened XXXX 2021 it was my first trnsaction using paypal, im using XXXX to sell/exchange bitcoin,,, the client paid me {$56.00} minus $ XXXX {$53.00} in total, ,i only gain XXXX to that transaction and my account now is limited for 180days, ,im just ordinary person whos looking for other source of income, ,what i want from paypal is to regain my full acces from them so i can continue what i started, ,thank you, ,my paypal is XXXX XXXX

Company response to consumer: Closed with explanation