vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
I submitted a request on XX/XX/XXXX with the three credit bureaus. On XX/XX/XXXX I sent them another letter stating. I have no heard a response. I sent a complaint to the CFPB and this morning. I received a response about other dates in XXXX when I had disputed this complaint. The information was not accurate. There was nothing about my complaints I sent on XX/XX/XXXX. Therefore, this information must be removed from my credit report. It has been well over the 30 days from my complaint on XX/XX/XXXX. Please remove from my report. I received information from the credit bureau they received my recent complaint but no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was fraudulently charged for {$1300.00} on XX/XX/2021. I received a notification that my card had been charged when the charge occurred, and reported it immediately. The sole card that is authorized for this account was in my pocket and not in use. I reported to Bank of America and Bank of America 's investigation determined that a card chip was used and denied this request. 

My card was previously lost/ stolen, but when I requested a new card, the new card had the same number as the lost / stolen card. Bank of America confirmed this over the phone. Bank of America re-evaluated the claim and continued to deny the fraud claim despite this fact pattern has not provided any new reason for denial besides the usage of the card chip.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
Received a flyer that I am eligible for a Loan Consolidation, when I went and applied on line I was advised that I needed to speak with a rep. I called in, and found out sorry you do not qualify, but we can get you into a program with Freedom Debt Relief ( Bait and Switch ). Read about others on the XXXX  page that they also had this same situation. Worked out most of the credit card accounts, fees are really high. In the end probably paying the same amount in debt, not much of a savings. The real issues come into play, when someone tries to sue you ; I was assured that someone would be there to help me, we help you get a legal team in place for this. Really they are not there for me, they may claim it is NOT their legal team, but in reality you can not ever speak to the lawyers, you have to do all the work, I had to call and write to the courts to stop the lawsuit. The first time, I was told, that my account was about {$100.00} short and the attorneys would not touch it. I jumped and put the full extra amount requested, then a few weeks later I get another letter that they had not heard from me and proceeding to sue me, I received a court summons, I called very upset, they said I needed to respond, and that the needed almost {$600.00} more added to the account, I borrowed it, them I once had to deal with it. Them I get a letter that the attorney never heard back from me, and the attorney was requesting the judge hold me in contempt and rule in their favor, when I called in very upset I was told I needed another almost $ XXXX. Which I am on a payment plan of an additional {$800.00} per month. Now I received a letter from the attorney looking to settle directly with my NOT FREEDOM DEBT RELIEF, whom I have sent all this money too. I had previously sent a CFPB complaint, halfway though this situation, BUT IT HAS GOTTEN WORSE, I had someone try to contact me 1 DAY, when I sent him back an email when I was available, he said he was not available at that time. When I tried to call him on the phone number he left, both XXXX and XXXX said that those were invalid numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am reporting that my XX/XX/2021 " Pay Friends  '' transfer was transferred to an individual that uses her phone number fraudulently. I intended to send XXXX XXXX a transfer of {$100.00} on XX/XX/2021. When I selected her number from my contacts list, the name said XXXX XXXX. After the transfer, it changed to XXXX XXXX. I do not know this individual and I need my money sent back to me and taken away from that individual. 

The banking institution, Chime, denied my claim stating that no error was made and refuses to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I signed up for XXXX XXXX XXXX XXXX. I rec 'd the router and hooked it up. It would not work in my area. On XX/XX/2021 I returned the router, closed the account and I was told I do not owe a balance. Return order # XXXX. XXXX XXXX  # XXXX. 
They keep billing me and have turned it over to collections Convergent acct # XXXX I have tried calling XXXX and they keep transferring to diff. depts. and putting me on hold.

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 2021-12-28 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The problems started - I started getting strange messages saying that a payment was allegedly late. 

That did not make sense - because I was signed-up for auto-matic payments! 

This started happening with more companies. 

I phoned Wells Fargo. 

Then there was a human to human conversation! 

I was informed of MORE problems! 

Will explain more details when I am in better health & I have more time!

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XXXX is not resolved. The company keeps having XXXX call and harass me. But I worked with her before and it ended in a screaming match. She doesn't have my account 's best interest at heart. I have a pending credit of {$44.00} that is showing on my account activity but the money isn't in my account. Where is that money? And where is my refund for the {$110.00}? Can something else be done to this company instead of them getting constant complaints and then choosing to do all they can to pretend they are fixing things when they don't and won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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:
I would like all items listed above to be removed from my credit profile immediately, due to several disputes XXXXmonths ago and uploaded documents regarding the disputes such as Police Report and XXXX XXXX Court Document. I have dispute several account with equifax and I submitted complaints regarding several creditors on my credit profile and uploaded supporting documents These companies are still reporting negative on my credit profile which have caused me to to be denied for numerous of credit opportunities. Listed below you will find the complaint number from CFPB and the creditors listed. I would like these issues to be resolved immediately and not just a statement of investigation, There have been Several investigations and no results. I would like for equifax and the companies listed to uploaded all supporting documents, regarding the debts listed on my credit profile. Otherwise I would like to request full investigation from the FTC. This have affected my life tremendously. Need Help ASAP!!!! 
Thank you CFPB Complaint Numbers with the documents attached : XXXX Companies Listed on the credit profile : - XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX : {$7900.00} - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} - XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2021 I went to court as a defendant against XXXX XXXX XXXX. XXXX XXXX was the attorney through XXXX XXXX XXXX, for the Plaintiff. I settled to pay {$2500.00}. I paid the amount on XX/XX/XXXX. The debt was removed from my credit report. On XX/XX/XXXX, the remaining balance, of the original debt was placed on my credit report as a collection with XXXX XXXX XXXX. I went through Experian 's site to have it removed. XXXX is stating that the account is valid. I have received email and mail documentation from that law office that the debt has been paid and settled.

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 2021-12-28 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: Early Warning Services, LLC
State: MA

Complaint narrative:
XX/XX/23 a company named Zelle hacked my account and took {$3000.00}. I contacted Zelle who said they wouldn't help. I contacted my bank and it was reported as fraud. 
XXXX XXXX  will not reimburse even though it's fraud because they lose money. This was not a scam. My bank can see the withdrawals. I want everyone know about fraud reporting and how it does not help to get what back what was taken from you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XX/XX/2021 I went to court as a defendant against Midland Credit Management. XXXX XXXX was the attorney through XXXX XXXX XXXX, for the Plaintiff. I settled to pay {$2500.00}. I paid the amount on XX/XX/XXXX. The debt was removed from my credit report. On XX/XX/XXXX, the remaining balance, of the original debt was placed on my credit report as a collection with Midland Credit Management. I went through XXXXXXXX XXXX site to have it removed. Midland is stating that the account is valid. I have received email and mail documentation from that law office that the debt has been paid and settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XX/XX/XXXX - I opened an account with Synchrony Bank. 

XX/XX/XXXX - incorrect phone number is associated with new account ( this was a previous phone number of mine, however I am certain I never gave this information to synchrony bank ) XX/XX/XXXX - XXXX follow an intrusive validation process to gain access to account, set up auto-pay, verify incorrect phone number does not appear within account XX/XX/XXXX - purchase is denied, I try to access my account and find the previous incorrect phone number has reappeared preventing me from accessing the account. Because I have already verified my identity once via phone I must verify identity via mail. Synchrony bank claims they will mail, however they email and the message does not look like the message I would be looking for ( looks like generic " you have a new statement '' message ). 

XX/XX/XXXX - autopayment which I verified was set up XX/XX/XXXX does not go through XX/XX/XXXX - attempt to contact synchrony bank via phone, however their customer support has been replace with a " you have won a gift card '' recording.

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 2021-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This letter was sent to all theree Credit Agencies XXXX XXXX, XXXX XXXX XXXX ) also the XXXX  XXXX for XXXX XXXX XXXX : Heres the class action lawsuit against Santander : https : //santandermultistateagsettlement.com/Information-for-Consumers I recently pulled my credit report from XXXX and I noticed a big discrepancy on my credit report. The report from Santander Consumer USA is in correct. As you can see below the report says that the account is closed and has been closed since XX/XX/XXXX. The monthly payment shows 0 dollars. How is it reported that a payment was made on this account on XXXX XXXX. This is a clear violation of the FRCA and this account should be deleted from my credit report immediately. 
I have attached a copy of my original copy of my vehicle purchase contract from XX/XX/XXXX ( XXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX, CA. It states nothing of the financing of this contractual agreement being finance by XXXX Santander Consumer USA ). 

On my credit report its states that the the creditor is ( Santander Consumer USA ) and that is incorrect information on my credit report. I would like the ( Santander Consumer USA ) information removed from my credit report. I have also sent a copy of the official letter I sent with the complaint I files with the XXXX  XXXX XXXX against XXXX Santander Consumer USA ) because of there predatory lending practices, that they have a 34 state class action law suit for predatory lending. I am requesting that the ( Santander Consumer USA ) account information be removed from my credit report. Heres the class action lawsuit website : https : //santandermultistateagsettlement.com/Information-for-Consumers? XXXX Also I would like a new credit report sent to me showing that this incorrect reported account was deleted. 

SANTANDER CONSUMER USA Reported : XXXX. XXXX, XXXX - {$10000.00} Closed Overview You have 63 % left to pay on this loan. 
Balance {$10000.00} Highest Balance XXXX XXXX  Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( 7 yrs, 4 mos ) Term 81 months Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times 30/60/90 days late 0/0/0 Closed XXXX XXXX, XXXX You have a dispute in progress DIRECT DISPUTE We've sent your dispute request to XXXX XXXX, and we'll let you know when it's complete. 
CHECK DISPUTE STATUS Creditor Information SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you for addressing my concern of this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/21, XXXX checks totaling {$1600.00} ( that were made payable to XXXX separate insurance companies ) were stolen from my mailbox. The checks were altered. Unauthorized amounts were paid to XXXX XXXX ( for {$2100.00} ) and XXXX XXXX ( for {$4000.00} ). I have never met these people and an unaware as to how this occurred. My bank is Chase. It is my understanding that XXXX is a XXXX XXXX customer and XXXX is a client of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
In the past 6 months I have sent my mortgage payment, through my auto checking account on the XXXX of the month. The mortgage co has charged me a late fee on both occasions. The bank, XXXX XXXX shows the payments were sent out on the XXXX of each month but the mortgage co says they were received after the XXXX and charged me a late fee. I can not get my problem resolved and am t5old it is my problem. The bank is sending these payments on time but the mortgage company does nothing to correct the situation. I have no way to find out why these payments a being late with no help from the mortgage co. Also my escrow account is screwed up and they have done nothing to correct it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputes with Experian about the information on my credit from XXXX XXXX. As stated before I called and requested the service be turned off it was never done but they continued to bill me.Experian has left this on my credit report and has damaged my credit. XXXX XXXX  has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX  has received 7,066 complaints in the last 3 years and 790 in the last 12 months for the same issue I have complained about.and yet Experian still has yet to act on my complaint. XXXX XXXX has a F rating. I have disputes with XXXX about the information on my credit from XXXX XXXX. As stated before I called and requested the service be turned off it was never done but they continued to bill meXXXX has left this on my credit report and has damaged my credit. XXXX XXXX  has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX  has received 7,066 complaints in the last 3 years and 790 in the last 12 months for the same issue I have complained about.and yet XXXX still has yet to act on my complaint. XXXX XXXX has a F rating .I did pay the bill after being harassed while my son was in the hospital for a XXXX XXXX I was told that once I paid the bill it would be deleted from my account by XXXX XXXX representative that was never done. This should have been deleted off my credit when I disputed it. The two credit did not investigate this complaint seriously if they had they would have seen the XXXX  warning that included this statement On XX/XX/2019 and XX/XX/2019, XXXX attempted to contact XXXX XXXX XXXX regarding a high volume and pattern of serious complaints. XXXX received complaints in the alleging customer service issues, missing appointments, decline in services previously handled by other providers who XXXX has assumed, billing issues including additional service charges for periods once the consumer has cancelled services.which was my main complaint that I called and asked for the service to stopped and it was never done and they continued to bill me. No one was in the home at the time we were in another state for my sons 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 non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I mailed a letter via certified mail to experian on XX/XX/2021 in reference to addresses that I never lived at, phone numbers that are not mine, and employers I have never worked at are reporting on my credit file. It has been over 30 days and I have not received any correspondence from experian in regards to removing this incorrect personal information. According to the FCRA after 30 days with no response items must be removed from my credit file.

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I heard about my grandfather writing a will for me stating that all his money and businesses went to me im recently hearing about this heard my aunt asked my mom for my information to get an id card for me and ended up doing fraudulent accounts with other people idk that family and tried keeping this XXXX a secret from me so I wouldn't know about my riches or businesses under my name

Company response to consumer: Closed with explanation