vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc
State: WA

Complaint narrative:
PUGET SOUND COLLECTIONS INC IS TRYING TO COLLECT MONEY FROM ME THAT IS NOT OWED TO THEM! 

I have requested information/validation on this debt BEARING MY SIGNATURE, as required by the FDCPA per code section 807-8, and have not received anything stating that I owe THIS company ANY money. 

They have repeatedly stated that they have validated this debt WITHOUT PROOF OF MY SIGNATURE. 

I have never done any business, never SIGNED a contract with them, nor do I owe them any money.

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 2021-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
After being hospitalized for XXXX XXXXXXXX in XX/XX/2020, I had missed a payment on my Capital One Credit Card. After making a call to customer service and a Goodwill letter to the CEO letting them know the issue after being discharged I was made clear that the last payment wouldnt not be added to the account. Upon further research of my credit, it shows on all 3 Credit bureaus the XX/XX/2020 missed payment. Section 4021 of the CARES Act temporarily amends a section of the FCRA, It states in the CARES Act one shouldn't be penalized if they asked for the relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06 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: NC

Complaint narrative:
I checked my credit report and had two inquiries I did not make or approve and I received two phone calls from XXXX XXXX in XXXX, NC. on XX/XX/2021. The credit reports were from XXXX XXXX, XXXX XXXX Bank, XXXX bank of Delaware on XX/XX/2021. Im going to contact the company and report these fruadulent inquries.

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 2021-06-06 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: NC

Complaint narrative:
I checked my credit report and had two inquiries I did not make or approve and I received two phone calls from XXXX XXXX in XXXX, NC. on XX/XX/2021. The credit reports were from XXXX XXXX, XXXX XXXX Bank, XXXX bank of Delaware on XX/XX/2021. Im going to contact the company and report these fruadulent inquries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I checked my credit report and had two inquiries I did not make or approve and I received two phone calls from XXXX XXXX in XXXX, NC. on XX/XX/2021. The credit reports were from XXXX XXXX, XXXX XXXX Bank, XXXX bank of Delaware on XX/XX/2021. Im going to contact the company and report these fruadulent inquries.

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 2021-06-06 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
EXPERIAN IS REPORTING AN INCORRECT ADDRESS TO AN ACCOUNT THAT IS UNDER A LAWSUITE TO WHICH I AM INCLUDED. 

XXXX XXXX XXXX is currently in a lawsuit to which I am apart of. 

However EXPERIAN has the incorrect address on file and will not validate this account to provide the correct address as well as information that this account actually belongs to me by verifying a document bearing my signature that this account is mine according to FDCPA per code section 807-8. 

The account currently is reported charged off with no actual point of contact as the address is WRONG! SO HOW CAN I VALIDATE? Attached is a history of certified letters sent to which the address Experian provided was NEVER delivered.

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 2021-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I WOULD LIKE TO KNOW WHY MY ACCOUNT WAS CLOSED LAST YR.I WOULD LIKE TO KNOW WHY THE BANK CLOSE MY ACCOUNT AND ENDED MY BANKING RELATIONSHIP .CHASE BANK IS DISCRIMINATING AGANIST ME. 

I WILL BE FILING A LAWSUIT A FEDERAL CLASS ACTION LAWSUIT AGANIST CHASE FOR CLOSING MY ACCOUNT OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Was on my email and got an alert about a hard inquiry just done at XXXX on XXXX  and XXXX  blocked the report. This is a copy and paste of igt .... 


Installment Loan or New Bank Account Inquiry SYNCB/CC got a copy of your XXXX  Credit Report. 

Financial Today What happened? 
SYNCB/CC recently checked your Experian credit file for an installment loan or new bank account. When you apply for certain types of credit, a hard inquiry is placed on your credit file and stays on your report for about 2 years. 

Source : XXXX  Company : SYNCB/CC Address : XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX I have no new bank accounts, loans, bill me laters or paypals.

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 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX I missed it, the Remarks on Report game, hey XXXX  Experian and XXXX  remember I told you XXXX  I was the Boss, Im in XXXX XXXX baby, you know, where XXXX XXXX Powerful Smart and Awesome XXXX men & women are involved in ALL types of Businesses, remember me XXXX telling you Dummie this, now Ive paid my monies to XXXX players in the Credit Corrections GAME, listen up XXXX  criminals, they will be pulling my XXXX Credit Report on this week, now every XXXX thing that Ive Asked you XXXX XXXX to correct, Im the Boss now, see after talking with a sharp XXXX XXXX person that knows the Credit Game, XXXX  I missed, Remarks on your XXXX Report can XXXX with your XXXX XXXX, hey XXXX  Experian and XXXX  I see what youve been doing Now, now you XXXX  can send me {>= $1,000,000} a piece and we can treat this as Settling out court or in Federal court I expose you XXXX  XXXX  XXXX XXXX XXXX, I could Not believe what my Credit expert showed, Im in the Game Now I got, Knowledge is Power, Im in charge Now 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 2021-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I Sent a Validation letter via certified mail to CMRE Financial Services , Inc. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA. XXXX and they received it XX/XX/2021. They failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: NC

Complaint narrative:
Binance.US wouldnt allow me to take out my money and its been over a month which caused me to lose a few XXXX dollars! 
Ive tried contacting them multiple times and Ive never received a reply!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have had a checking account with Chase Bank for the last XXXX years. I own and operate a business in the USA as well as a foreign branch office in XXXX. As a result of the COVID-19 panic, I received XXXX stimulus payments for my company from the SBA- the first was {$10000.00} loan, and the second was a {$10000.00} Targeted EIDL Advance. After the Advance was deposited in XXXX of 2021, my account was suddenly flagged and closed. The account in question has over {$2000.00} USD in it. 

I spoke with the SBA and they have already received all of my documentation for the processing of both the loan and the Targeted EIDL Advance- this is why the company was approved. Once I saw that the account was closed, I tried to contact Chase Bank and they have refused to work with me. They have told me that I can contact them in person at a branch, which is impossible for me because I am in XXXX operating the foreign branch office of the company. 

Chase Bank has seized my funds, rescinded ACH transfers that were in progress, and refuses to release the account access and/or its funds to me, the account owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
My mortgage company did a loan modification due to the coronavirus. I was laid off from work for a few months and asked for a forbearance. ( XX/XX/XXXX XXXX Before the loan modification they kept saying my escrow account was in the negative and my taxes were going up so they kept raising my monthly payment. Started making payments again XX/XX/XXXX. After asking for load modification. So after 7 months finally got my new paperwork for the loan modification. XX/XX/XXXX. Which was great except a month later now they say my escrow is delinquent and they are raising my payments again! It took 7 months to get the loan modification and they could not figure everything out before they sent new paperwork! Every month it is something new with them! So extremely frustrated with this company! I signed new paperwork for the loan modification end of XX/XX/XXXX. First payment due XXXX of XXXX of XXXX. Here it is first of XX/XX/XXXX and they want to raise my payments to XXXX! How can it be this delinquent in only a month! My mortgage was supposed to be a fixed mortgage. Please help!

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 2021-06-06 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 2021-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XXXX XXXX XXXX, was on an interview hosted by XXXX XXXX and he was caught in a lie on national television saying that he offered customers and/or waived customers overdraft fees ( by the customers request ) in XXXX during the national pandemic, since Chase got complete protection from overdraft fees from the Federal Reserve. 

I called in a few times during the XXXX pandemic regarding having my fees waived in XXXX and was only told I qualified for the normal XXXX or XXXX per year. I called in a few weeks ago on XX/XX/XXXX and asked about why they didnt waive all my XXXX overdraft fees again since the XXXX interview and the lady said they only did it if you called in during XXXX about it. I told her did call in a few times during XXXX and no one waived all my OD fees. She then only offered me a credit of like XXXX {$34.00} fees instead of crediting me back all my overdraft fees during XXXX because she said there was daily limit. 

Big banks like Chase receive and got all typed of government breaks and aide and did not extend those same courtesies to customers like me as they should have. I am highly upset to hear the CEO of this company taking advantage of customers and profiting off overdrafts fees during a national pandemic, were many struggled. Where is his integrity?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK
State: MS

Complaint narrative:
On XX/XX/2021 my payment went from XXXX to XXXX. I have contacted my Mortgage Company twice a month since then which includes XXXX Payment, XXXX Payment and XXXX Payment. My loan was transferred from IberbiaBank Mortgage to First Horizon Bank Mortgage. The issue is my Escrow more specifically Taxes and Insurances. My insurance hasn't changed and my taxes has went down being that I applied homestead. My yearly taxes are XXXX a year or XXXX a month and my insurance is XXXX per year or XXXX per month. This monthly should total XXXX going into Escrow. This doesn't include PMI however. My escrow in XXXX was XXXX and in XXXX it went to XXXX. Thats a difference in XXXX that they are charging me for. I have attempted 8 different times to work with them. I have talked to 3 different Supervisors and 5 different customer service representatives. Every month I get the same answer ... '' We will submit an escrow analysis '' and every month the payment still hasn't changed. The most recent conversation was they promised XXXX payment would reflect the updated payment and it still hasn't. I NEED HELP. This is negligence and should be considered serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
First, I did not give Experian permission to do credit reporting on me and demand all negative information to be removed. Second, I have sent in multiple disputes demanding proof from Experian from these debt collectors and nothing has been sent, yet, they claim it accurate and verified. These collection agencies such as XXXX XXXX XXXX pops up THIS YEAR on my credit report showing opened XX/XX/XXXX with no communication. But was only added on XX/XX/XXXX of XXXX! See documents attached. What a coincidence, to claim show up on How can you validate MY debt for me without me sending the documentation Ive requested. These debt collectors do not contact me prior to reporting invalidated and inaccurate information as Ive stated in my disputes! Experian updates my disputes online stating that it remains, WITHOUT them sending me any of my requested documents showing that I owe this debt. Ive asked over and over for verification and documentation that there is a valid basis for claiming that I am required to pay the debt to these current creditors. For example, Ive asked Experian to provide a copy of the written agreement that created my original requirement to pay. A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when it was obtained, and when that was. If there has been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. Nothing and I mean nothing has been furnished to me after multiple attempts to receive. These debt collectors do not communicate to me prior to reporting as Ive stated but you constantly ignore. This has caused me more problems financially! I need these debt collector accounts removed IMMEDIATELY. My rights as a consumer have been taken advantage of, I know that Experian is obligated to send me proof as I have requested several times as well as I did not give Experian permission to report any of my credit accounts or history. These invalidated debts are to be removed NOW for violating my rights.

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 2021-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
Netcredit is a rent-a-bank scam. They operate outside of my state of Michigan. I asked Netcredit who loans money through many out of state banks to allow me to lower my interest rate to the appropriate SCRA rate of 6 % or 36 % out of state lending cap and sent them my XXXX pay stubs. They acted like the never got the paperwork and then they took out a payment at XXXX percent interest before my due date for an amount that doesnt match their system as being due and were not authorized to do so. I tried to call them and they are impossible to reach. I had to email them countless times over and over again. After doing a lot of research I found out they are a rent a bank scam and charge more than the 36 % cap and are preying on veteran and military personnel as well as anyone looking for help during COVID in order to charge them outrageous interest rates, pull money at un-authorized times and more. XXXX. The 36 % Rate Cap Today A. TheDeregulationoftheXXXXandXXXX Until the deregulation of the XXXX and XXXX, virtually all states had usury caps, though they varied widely and were typically well below 36 % for larger loans.17 But that changed with deregulation, which was spurred by two developments, neither of which reflects on the appropriateness of rate caps today. First, a Supreme Court decision permitted banks to charge the interest rate of their home state, regardless where the loan was made.18 The decision led some states to repeal their interest rates in exchange for banks relocating their headquarters. Other states were forced to follow suit or lose their banking industry.19 Why 36 %? The History, Use, and Purpose of the 36 % Interest Rate Cap 2 Second, double-digit inflation squeezed the availability of credit, especially mortgage credit that was often constrained by much lower interest rate caps, and spurred a general climate of deregulation. The response of many states to the combined developments was to eliminate interest rate caps.20 Many states today have no usury caps or have carved out holes in their rate caps that effectively gut them. B. The Current Trend Toward a 36 % Cap For Small Dollar Loans The 36 % rate for small dollar loans continues to have wide acceptance at the state and federal level. Today, over XXXX jurisdictions 70 % of states still provide for annual interest rate caps at the 36 % benchmark or less within their statutory schemes governing small-dollar installment loans by nonbank lenders.

Company response to consumer: Closed with explanation