vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: ID

Complaint narrative:
On XX/XX/XXXX I received a letter from Synergetic Communication Inc stating they were collecting a pay day advance loan. After speaking with the representative and informing them that this was a fraudulent activity the following additional details were provided. 

This payday advance was taken XX/XX/XXXX XXXX first time I have heard about this ) from " XXXX XXXX ''. The note was subsequently sold to XXXX XXXX XXXX who then contracted Synergetic Communication. 

The dispute has been initiated and I firmly stand by my claim that this is a fraudulent loan taken by another individual. It is worth noting while speaking to the rep from Synergetic, that the date of birth provided by previous companies was inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF THE WEST
State: FL

Complaint narrative:
On XX/XX/XXXX my husband and I refinanced a motorhome with XXXX XXXX  XXXXfor the amount of {$97000.00}. Soon after, XXXX  sold our loan to Bank of the West. My husband and I divorced in XXXX XXXX, and in our formal marital settlement agreement he kept the motorhome and Bank of the West took an active role in changing the registration and title into his name only. However, my online access to the account remained active, and I saw that for 7 1/2 years there was never a missed or late payment. 
Suddenly in XX/XX/XXXX, I received an alert on XXXX XXXX of derogatory information on my credit report. I investigated enough to find out that Bank of the West indicated a default and repossession. I was shocked, as the payments were still completely up to date. I can not be in communication with my ex-husband for my own safety, so I attempted to get information from Bank of the West, who at first would not give me any information. After numerous attempts, I finally reached someone who advised me that the motorhome was repossessed and had already gone to auction! I asked why I was never advised before this happened, and they claimed they didn't have my information. This is clearly a lie, as every document they produced had my correct address, and they also verified a correct phone. They then told me they would send me an explanation of deficiency when it was prepared. I advised that I would have taken over the payments to keep the motorhome, had I been contacted, but it was now too late. 
I never heard any more from Bank of the West, but on XX/XX/XXXX, I received a demand letter for {$33000.00} from XXXX XXXX, a collection agency. When I wrote back to XXXX XXXX requesting evidence of this debt, I was sent documentation indicating that Bank of the West basically " gave away '' this {$60000.00} motorhome at auction for {$26000.00}, and now will sue me for the {$33000.00} balance owed. In that same documentation, Bank of the West indicated my correct address on every page, yet they mailed both the Notice of Plan to Sell Property and the Explanation of Deficiency and Demand for Payment to some XXXX XXXX XXXX XXXX, Florida. I never received any information on this, yet the collection agency seemed to find my correct address with no problem. 
I am a XXXX senior on social security now being victimized by this bank, who sold this property they claim is my responsibility without allowing me the opportunity to claim it, and now is demanding XXXX XXXX XXXX of dollars for something I can not own.

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 2021-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is a follow up to a previous complaint filed with the cfpb complaint # XXXX On XXXX XXXX, I received a response via the cfpb portal that said American Express was still conducting an investigation regarding my fraud claim, and that an investigation regarding a claim opened XXXX XXXX was underway. They promised that they would send an email when their investigation was complete. On XX/XX/2021, I received an email from American Express Serve telling me that they were once again denying my fraud claim, and suspending and closing my account. I felt that this action was retaliatory for my filing a claim with the cfpb. On XXXX XXXX, I sent by US Mail, a certified letter to American Express Serve for an explanation of the Consumer Use Violation, Section 15D, which they gave me as a violation, and reason for closing my account. I asked their representative on the phone for an explanation of that violation, and was told I must look it up online. I was never able to locate an explanation of 15D. I no longer have access to my account, therefore, I requested copies of statements of my account from XXXX, XXXX, XXXX, XXXX and XXXX of 2021. I have yet to receive those documents. I also sent in a separate letter to request they reopen and continue my fraud claim investigation. The only correspondence Ive received from them is a check for {$70.00}, and a check for {$0.00}, which they say was the balance in my account. My claim is a crime of fraud and theft, and should be recognized as such by American Express Serve. 

Once again, I still have the debit card in my possession ; have always had the card. I didnt give anyone permission the make these charges, and I didnt make them myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, two instances of identity theft occured : 1 ) A fraudulent unemployment claim was made in my name to the California EDD and 2 ) My BofA EDD Debit card was hacked and the address and identifying information was changed making it impossible for me to gain access and control of the account. 

Since XX/XX/XXXX, I have attempted to resolve these issues through multiple calls, emails, faxes, and on line submissions, and have not been successful. I reached out to my local representative XXXX XXXX for assistance who open a case with EDD. The EDD then called XX/XX/XXXX to advise me that the UI Claim has been flagged as fraudulent and denied, and recommend that I reach out to you to assist with closing my BofA EDD Debit card account.

Bof A has informed me that they can not close the account because of the {$900.00} balance that was deposited by the EDD as part of the fraudulent UI claim, and they can't send the {$900.00} back to EDD. The EDD has instructed me to have you help me close the BoA account and then I can send the {$900.00} to EDD Benefit Recovery.

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 2021-07-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/21, I called TransUnion at XXXX and spoke with a supervisor XXXX. I could not understand his accent and asked him to explain why my credit score decreased 79 points and the annual credit report showed no deficits. After speaking with him and repeatedly asked him to speak slowly, he hung up the phone. I called back and spoke with XXXX. I informed her of the hang up. She transferred me to a XXXX. Again I could not understand him as well. I spoke with him about my scores. After repeatedly asking him to repeat himself, he was no help and asked for {$9.00} to charge me after I sent in letters about my dispute. I in dire need for assistance. Thank you.

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 2021-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: PA

Complaint narrative:
I was contacted via mail regarding a streamline mortgage refinance. I was quoted a new rate from 3.125 % to 2.75 % and a new mortgage payment from {$1000.00} to {$1000.00}. By time I met with the notary, I had some documents stating the exact amount quoted and other documents with a mortgage payment of {$1100.00}. I reached out to my lender who I originally did the refi with, XXXX XXXX NMLS XXXX who advised me the change was due to my homeowner 's insurance increasing. I reached out to my insurance company only to be told no increases were ever made to my policy. I then reached back out to the lender with this info only to be told somehow the discrepancy was MY fault for not sending over documents. I sent over all documentation when requested. I then asked for a manager ( Named XXXX  ) who was very condescending and repeatedly interrupted me stating I should have read the documents before signing. Closing documents consist of XXXX pages. He then proceeded to try and tell me the original amount was based on the info they retrieved regarding my homeowner 's insurance payments, however, THEY make my insurance payments directly so how could they quote the incorrect amount. I was NEVER once advised of the change in amount until I made the complaint. I have the Closing Discolures for the original amount quoted as well as the new amount they created.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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 XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-07-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: GA

Complaint narrative:
The balance on my credit card with US Bank is incorrect. I called multiple times and spoke to multiple people. They told me their policy is to only update information once a month and will not update or correct information in between even though their incorrect balance is affecting my credit score while i am in the middle of getting a mortgage. The only escalation is to a supervisor who states the same thing. They do not have a way to contact the credit dispute center other than mail and they do not have anyone to talk to or connect with at the corporate level. They transferred me back to the credit card supervisor. They basically told me I could dispute with the credit bureaus or send in a letter and if they think it's incorrect they will update but there is no way to follow up or get any info on that process. I can only send in the letter and they will get back to me in 45-60 days.

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 2021-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2020, I was the victim of a robbery when I was on vacation in XXXX, SC. I was made to give up my ATM card and info, as well as virtually send money to the suspect. Despite clear photographic evidence of the suspect at the ATM with my bank card, the bank BB & T is flat out refusing the claim based solely on the fact I am pictured in the car during the robbery. It's important to note I was forced into the vehicle and have included that information in the police report as well as a description of the vehicle. XXXX PD has a suspect, who was formally convicted for DEBIT CARD FRAUD. BB & T has refused to even try to corroborate information with XXXX PD and furthermor, have refused the basic right to an explanation from the analyst assigned to my case which I was promised. I am familiar with Regulation E and wanted to advise of a blatant violation of it by BB & T, now Truist.

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 2021-07-19 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: VA

Complaint narrative:
Hello - I applied for the American Express XXXX XXXX XXXX on XX/XX/XXXX. At the time, I was in the process of purchasing a XXXX flight on the XXXX website when the offer for a {$200.00} credit + XXXX miles promotional welcome bonus appeared on the check out screen contingent on an approved application for the XXXX AmEx card. 

I fly XXXX frequently and have a few trips coming up where this could be useful so I decided to apply and was approved immediately. The terms and conditions during my application process ( attached ) indicated this offer was " not available to applicants who have or have had this or previous versions of this card ''. As this was my first time having or even applying for any version of the XXXX AmEx card, I had no reason to believe this offer did not apply to me, nor was I told at any point during the application process. I have one AmEx card which I opened in XXXX. It is the AmEx 'Everyday ' card, which is completely unrelated to the XXXX XXXX of AmEx cards. The terms and conditions specified the offer was only contingent on not having any current or previous versions of the XXXX card. 

After receiving my card, in order to get the bonus, I had to spend {$2000.00} and make a XXXX purchase with it. Both of which I have since done within the 3 month timeframe specified. When I did not see the miles or credit appear on my account, I decided to contact AmEx. I initially called in and the representative told me there was no clear reason I was denied the welcome bonus and opened a case for me ( XXXX ). After which, I contacted the chat support function and after a lot of back and forth ( screenshots attached ), the rep informed me that I was denied the bonus because my AmEx XXXX ' card from XXXX had an APR offer and my general history and number of cards with AmEx? However, this was only my second AmEx card ever, and I've never done a balance transfer nor have I ever been late on a payment. 

No where in the advertised promo offer did it indicate an unrelated credit card I have from 5 years ago would disqualify me from receiving this bonus, nor was I ever outright told. I had to seek out AmEx in order for them to inform me of this. 

I applied for this card, had my credit pulled and spent $ XXXX on this card in the belief that I would be receiving the welcome offer which initially led me to apply. I believe this is a case of bait and switch, where I was arbitrarily and wrongfully denied what was initially promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I had two collections accounts report on my credit for the same debt that I settled with the original creditor. On XX/XX/XXXX I requested proper validation of the debt including " What is the money you say I owe you for. Explain and show me how you calculated what you say I owe. Provide me with copies of any documents that show I agreed to pay. Provide any verification or copy of any judgment if applicable. 
Identify the original creditor. Prove the Statute of Limitations has not expired on this account. Show me that you are licensed to collect in my state and provide me with your license number and registered Agent ''. Upon receiving this letter Portfolio only partially validated my debt as you will see in the documents provided. On XX/XX/XXXX I sent a second letter once again requesting proper validation only to be provided with the same documents sent the first time. I do not owe this debt and do not know where it originated. Not only that it is reporting on to my credit as two separate debts with separate account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: TX

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On 07/14/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19 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: CITIBANK, N.A.
State: VA

Complaint narrative:
We have been a customer for 12 years and never missed a payment. We received several calls marked as spam, and finally, on XXXX XXXX, we picked up one, and we started saying, please take our name off the list, and the rep said, " this is XXXX  ; you are late on your bill. '' We talked to the rep, paid the entire amount ( ~ {$240.00} ) due on the phone, and even waived the late fee ( {$40.00} ). A few days later, I received an alert from my credit monitoring service saying my account is delinquent, and when I checked, it was the same Macy 's account. So I called Macy 's, and they informed me that I was late for XXXX and XXXX, and yes, the account is paid in full. I told them I never received a paper bill and went to the post office, who reviewed our past 60 days of mail and confirmed that we did not receive anything from Macy 's. The rep then said that we had been signed up for electronic bills. I then searched my email account and found that all Macy 's emails are directed to the junk folder. I believe Macy 's used predatory practices to switch people to electronic billing and deceptive marketing to collect the money without informing the customer that waiving the late fee does not equate to removing the negative reporting. I ended up closing my account with Macy 's and will never buy anything from them. Even though they claim that we signed up for e-billing, I received a bill from Macy 's In XX/XX/2021 of {$2.00}

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