vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: V and H Portfolio
State: TX

Complaint narrative:
To : CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk State Bar ; About XXXX XXXX XXXX XXXX  months ago, I received a phone call asking me if I was XXXX XXXX. They hung up. Then a large collection account was added to my credit profile. I filed a dispute via all three major credit reporting agencies. I requested proof and evidence. The only proof and evidence that was provided to me was a computer-generated signature. A couple of weeks ago, I made another attempt of getting this removed from my credit reports by emailing this law firm and XXXX themselves and requested some holiday compassion to forgive this debt due to permanent XXXX I am a 100 % XXXX XXXX XXXX XXXX  Law firm Vance and Huffman llc has NOT responded. Today, XXXX did reply via email. They stated they could not help because the debt now belongs to XXXX XXXX XXXX. This is the first time I have heard XXXX XXXX XXXX. Vance and Huffman LLC has NEVER mentioned they are representing XXXX XXXX XXXX or any other collection agency. After speaking with XXXX on the phone, they informed me this is a XXXX ( XXXX ) year old debt that I DENY. On the credit report notes, Vance and Huffman llc states this is a XXXX ( XXXX ) month old debt. That is incorrect. Vance and Huffman llc has intentionally behaved unethical, irresponsible and committed FRAUD by intentionally providing false information to the credit reporting agencies regarding the amount and the original date of this alleged collection. FDCPA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cashbak, LLC
State: TX

Complaint narrative:
Cash back Account was open XXXX 2016 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am a consumer and natural person. Synchrony Bank has committed fraud, denied me credit therefore violating federal consumer protection laws. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Synchrony Lending , Inc. violated 15 U.S. Code 1642, 15 U.S. Code 1602p and 15 U.S. Code 1691.

Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 1681m, I can not be denied credit.

Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1605 that a finance charge was involved because my social security number was used.

Fact, Affiant is aware and has proof pursuant to 15 U.S. Code 1602 that the use of my credit card ( social security card ) in this consumer credit transaction ( application for credit ) is unauthorized use because I received no benefit. 

Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1681b that Synchrony bank fraudulently obtained my nonpublic personal information from XXXX and XXXX because I did not provide either corporation with written instructions to furnish my consumer report to Synchrony Bank. Also, I did not provide Synchrony Bank with written instructions to retrieve my consumer 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 explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I had an account with BBVA, it was bought by PNC Bank. I got a letter saying if I do nothing my account will be moved to the new bank. I did not want an account with this bank so I followed the steps to opt out of the transfer. Then I kept getting statements for the new account I did everything possible to stop from being created. I got a statement for the last three months and every month I call and they tell me they will close it. It should have never been created in the first place but its completely ridiculous they keep the account open after multiple attempts to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a consumer and natural person. Navy Federal credit Union is in violation of the following Federal laws : Fact, affiant is aware and has proof pursuant to 15 USC 1611 that Navy Federal Credit Union is criminally liable for violations of 15 USC 1605 and 1666d as it led me to believe that I am responsible for paying cash for the balance on the XXXX XXXX account. Navy FederaXXXX has accepted cash payments from me. 

Fact, affiant is aware and has proof pursuant to 15 USC 1605 that a finance charge is the sum of all charges. A finance charge was involved in the consumer credit transaction I initiated when opening the XXXX XXXX account. 

Fact, affiant is aware and has proof pursuant to 18 USC 8 that I am not responsible for any financial obligations to Navy Federal Credit Union.

Fact, affiant is aware and has proof pursuant to 15 USC 1666d, that Navy Federal has failed to credit my XXXX XXXX account with the finance charge involved in the consumer credit transaction I initiated upon opening this credit account on XX/XX/2021. 

Fact, affiant is aware and has proof pursuant to 15 USC 6802 that I have the right to opt out of the sharing of my nonpublic personal information with third parties.

Fact, affiant is aware and has proof pursuant to 15 USC 1602, my XXXX XXXX account is an open-end credit plan.

Fact, affiant is aware and has proof pursuant to 18 USC 1341 and 1343 that Navy Federal has devised a scheme to obtain money by means of fraudulent pretenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I have been trying to sell my house for almost 6 months and have been held up due to loss of documentation by Carrington Mortgage Services. 
There is a subordinate loan that was originally owned by HUD  for the amount of {$7300.00} that was transferred to Carrington in XXXXXXXX XXXX  ( documentation attached ). 
After calling many times, I was notified that I could fax Carrington 's research department to ask for the missing information. I have attached a letter from Carrington explaining that they are the servicer for this loan but that it will take an additional month to provide a payoff or release on this matter. 

This issue has already led to almost losing the house, already losing a buyer, and I am hoping to not lose another one. This has been a horrendous experience due to Carrington 's lack of organization and responsibility. I have spent many hours painstakingly trying to obtain this information. 

I am anxiously seeking any assistance that can be provided on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I initially noticed a new American Express credit card on my credit report which used a different address and birthday in XXXX of XXXX. I disputed it immediately with XXXX but was told to contact American Express. 
I initiated a fraud complaint in XXXX of XXXX  and was informed by a letter from American Express that since the account was being paid then it was not fraudulent. I immediately contacted American Express again and disputed the decision. Again, I was notified by a letter that its not fraudulent since the card is being used. A second American Express card had just opened under my name which I did not apply for in XXXX XXXX. I plan on disbursing the new card as well. American Express somehow continued to refuse canceling the fraudulent account. The reasons they provided did not make any sense. They didnt ask for proof of identity during the dispute or fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I do business banking with CITI bank for my XXXX business since XXXX. Earlier this year-around XX/XX/XXXX we discover that there have been many ACH withdrawals by XXXX bank ( all withdrawal seems to be going to someone's credit as payments ) and these ACHs were Unauthorized and fraudulent totaling around {$41000.00}. I file a claim with my CITI bank and after 45 days they Denied the claim stating that they DID NOT receive any response from XXXX therefore they are taking money out of my account ( for the credit they have given me at the time of claim filing ) I contacted the Branch manager she re-initiated the claim again but again CITI bank denied it but this time they provide a contradictory statement on the denied letter that they did not receive any update from XXXX, therefore, I should contact the XXXX card as they have signed authorization WHICH is not true, Beside Bank manager the rest of the ppl I talked they no clue they simply told me, *there ' nothing we can do* suggested that I can file small court claim ( small court claim on $ XXXX and not knowing who I can file or sue? as cit bank refused any help o provide me any information that I can take up to chase.

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 2021-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
we fell behind on our mortgage due to covid-19. we have tried to work out a resolution with Midland Mortgage our mortgage servicer and there has been no response. The mortgage company have not responded to the Borrower assistance package we sent detailing our hardship. We have sent in the borrower assistance package numerous time including the most recent submission on XX/XX/2021 notifying Midland mortgage the reasons of our default being the pandemic

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 2021-11-30 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:
On XXXX of XXXX I received several notifications showing that my consumer credit score was decreased. It is XX/XX/2021 I havent received any letters in the mail as of why the accounts were re inserted on to my consumer report. I called and asked to give me evident information on the investigation and who was contacted, what day, Ive also asked for the original application of these accounts with my signature. I did not receive any documents, notes, or verification on who opened these accounts. I have sent in certified receipts and I didnt receive any response for disputes and this previous dispute I sent in a police report, FTC XXXX and after 100 days of sending the documents since XX/XX/2021 and it is now theyre trying to dispute it. Its been longer than 90 days that is passed what the federal law says. An agent mentioned that there is no law that is over their policies at the credit bureaus and I was hung up on several times and I had to call back. I called in and I was told that these are my accounts, I asked how. You can not falsely accuse someone of anything, I feel that is a crime of placing that onto me and defaming my character. This has harmed and dismantle my life, and is causing distress and homelessness, I have lost my job, it is the cause of inaccuracy and ignoring my voice and me as a human being. The accounts of XXXX XXXX was removed a year ago. I sent in viable evidence to show that the accounts was identity theft. My personal information was leaked through several breaches, XXXX XXXX and several other breaches. With that being said the federal law states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This is the federal law not a policy, mandate, it is a law that should abided not ignored. There for it becomes a major problem when I am treated unfairly of my rights under these federal laws that protects me as a consumer. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2021-11-30 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:
On XXXX of XXXX I received several notifications showing that my consumer credit score was decreased. It is XX/XX/2021 I havent received any letters in the mail as of why the accounts were re inserted on to my consumer report. I called and asked to give me evident information on the investigation and who was contacted, what day, Ive also asked for the original application of these accounts with my signature. I did not receive any documents, notes, or verification on who opened these accounts. I have sent in certified receipts and I didnt receive any response for disputes and this previous dispute I sent in a police report, FTC XXXX and after 100 days of sending the documents since XX/XX/2021 and it is now theyre trying to dispute it. Its been longer than 90 days that is passed what the federal law says. An agent mentioned that there is no law that is over their policies at the credit bureaus and I was hung up on several times and I had to call back. I called in and I was told that these are my accounts, I asked how. You can not falsely accuse someone of anything, I feel that is a crime of placing that onto me and defaming my character. This has harmed and dismantle my life, and is causing distress and homelessness, I have lost my job, it is the cause of inaccuracy and ignoring my voice and me as a human being. The accounts of XXXX XXXX was removed a year ago. I sent in viable evidence to show that the accounts was identity theft. My personal information was leaked through several breaches, Equifax Breach and several other breaches. With that being said the federal law states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This is the federal law not a policy, mandate, it is a law that should abided not ignored. There for it becomes a major problem when I am treated unfairly of my rights under these federal laws that protects me as a consumer. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: LA

Complaint narrative:
I sent a dispute letter to XXXX on XX/XX/2021. The letter was about late payments for a student loan thats under the Federal CARES Act. Also, I disputed some accounts that had no names or addresses for the businesses that allegedly reported the accounts. Equifax said it was verified but I can not understand how that was possibly if they can't provide information about who is reporting the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: MA

Complaint narrative:
On XX/XX/2021 XXXX app showing my XXXX score of XXXX, possible reason affecting the score is high revolving account balance and number of delinquency. However on XX/XX/2021 Equifax website showing my XXXX score of XXXX. Contacted XXXX Bank for resolution, XXXX Bank refuse to make any changes and reason being they show score they received from Equifax. Equifax unable to make any changed because the credit report with Equifax is correct and ask me to contact XXXX. I'm being pushed around with both parties blame each other instead of fixing the problem. Somehow somewhere Equifax gave XXXX Bank someone else 's credit report/score and is attached to my XXXX Credit card Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-11-30 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I have purchased XXXX item from XXXX XXXX XXXX XXXX on XX/XX/2021 worth {$3000.00}. I have paid extra to deliver the parcel on time because receiver going to take this gift overseas. Somehow seller did not ship/deliver item on time and missed the deadline. So I have decided to cancel the order and told seller to reroute the parcel and cancelled the order. I told them they must reroute and make sure carrier do not deliver or leave it outside. It was unsafe and no one were going to at place to receive for next XXXX months. so I decided to canceled the order and reroute requested to the seller. I have emailed seller and got in writing from them. Rerouting was successfully done and buyer is not responsible for anything. I told them that can refund after receive the item. Somehow XXXX did not deliver and returned the parcel on base. they accidentally loss the parcel or gave it to someone else. I told seller to dispute with carrier and provide me information about who received the package. I have filed the dispute with my Goldman Sachs bank XXXX time but everytime they favor dispute on seller side. I asked them why and what proof they have provided. they said they received proof of purchase ( Invoice ). I told my bank that proof is not sufficient. They need to provide us proof from carrier whom they gave the parcel or how they lost it. Credit card company did not help and I am not able to talk over the phone. If I have cancelled the order and seller had rerouted the item. I am not responsible for any loss after it. I have emailed seller multiple times but they failed to reply me on time and credit card company was favoring seller on based on invoice. I told my credit card company that I have purchased but never received and cancelled the order. They should review the case properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
Wife filed for divorce. I moved out of the residence in XXXX of 2018. Wife kept XXXX account at that residence until late XXXX and then convinced XXXX to open a new account for her at the same house address. When the account was cancelled, they charged a {$280.00} XXXX  year cancellation fee to myself even though I didn't live in the house and I didn't cancel the comcast account or contract. I should haven't been charged this fee. It has moved to multiple collections agents, always lowering my credit score with new dings every several months. This charge isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation