vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I filed a complaint with XXXX  regarding suspicious intent to collect debt not owed. 

On XX/XX/XXXX XXXX  responded stating on XX/XX/XXXX initial notification of deb sent via mail and again on XX/XX/XXXX. 

On XX/XX/XXXX letter failed to clearly state my right to dispute the debt within 30 days and my right to assume the debt is valid if you do not. This violating the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I logged into XXXX XXXX  and saw a new account reported under my name for XXXX XXXX for the amount of {$310.00}. The account was initially opened in XX/XX/XXXX. There is no way this account is mine because I live with my parent for the past 3 years. I haven't signed my name over to anyone to open an account for XXXX XXXX. I suspect this is fraud under my name. I have lost my social security card a few years back but made due with a copy I have. I think someone has stolen my identity.

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 2021-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
Received a letter in the mail regarding an amount from a hospital visit recently. I called the agency directly and ask for further details of the debt. They wanted me to verify who I am by asking for sensitive information. I did not comply and asked them to simply send me the details of the supposedly debt so I can verify it with the hospital. Also I called the hospital directly to verify the debt and they did not find such debt on their records. They refused to work with me not provide any details. I called a second time with no results. I emailed the company and received no reply. At this point I believe they are fraudulent. 

Their information is below ; certified credit and collection ( certifiedccb.com )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
On XX/XX/XXXX my bill for account CAPITAL ONE BANK USA Opened XXXX XXXX, XXXX did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
XX/XX/XXXX Convergent Outsourcing ( CO ) reported on my credit reports under their own name a balance due of {$1200.00} in violation of 209 CMR 18.17 ( 11 ) which clearly states a debt collector may not report under their own name on a MA resident report. 
XX/XX/XXXX I sent CO a XXXX Demand via certified mail informing them of their illegal reporting. I also included a validation of debt request as the original account was not mine and informed them of their failure to inform me of my rights. CO legally had 5 days to provide validation and 30 days to remove the listing from my record. 
XX/XX/XXXX CO failed to reply in anyway. I sent them a second notice 93A Demand via certified mail. 
XX/XX/XXXX CO removed their listing from my report and agreed to cease collections. 
XX/XX/XXXX CO sold this falsified claim for profit to a company called XXXX XXXX XXXX. I sent XXXX a 93A Demand informing them the account was fraudulent. They closed the account. 
XX/XX/XXXX CO took the account again and sold it again, for profit, to a company called XXXX XXXX XXXX. I sent XXXX  a 93A Demand - they agreed to cease collections. 
XX/XX/XXXX CO took the account and changed (! ) the account number claiming it was new. They reported the listing on my credit reports and continued to attempt to collect. 

XX/XX/XXXX I sent CO another 93A Demand again informing them of their illegal attempts to collect on a fraudulent account. They failed to reply in anyway. They failed to remove their listing from my reports. 

CO is in violations of all laws listed below : MA General laws : 209 CMR 18.17 ( 11 ) Unfair Practices, 940 CMR 7.07 ( 15 ) and ( 21 ) Deceptive Acts and Practices MGL Chapter 106 *CC 9-405 ( c ) Failure to furnish reasonable proof of assignment 940 CMR 7.08 Failure to provide validation of debt in required federal and state timeframe 940 CMR 7.08 ( 1 ) and ( 2 ) Failure to provide ANY validation of debt

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
remove the security freeze and the fraud alerts on my reports I did not add them and incant get them to remove ant other way Ive attached my id as proof of id thx XXXX 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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian credit bureau will mot remove a late payment for my XXXX credit card, i have tried on 4-5 different occasions to dispute this information with Experian and they refuse to correct this on my credit report. I am trying to purchase a home and i cant because Experian is reporting wrong information. XXXX  and XXXX  are reporting that i have a great payment history. I have also called XXXX as well and they have also sent them requests to remove from my 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 2021-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I use autopay for most of my bills to ensure they are paid on time. However, I use the paper statements, sent in the mail, to validate purchases and reconcile my bank accounts. Furthermore, I check my email infrequently so I never enroll in paperless statements with billers. When checking my email, I noticed the attached " Email 1 '' from Synchrony bank sent on XX/XX/XXXX informing me that my Amazon Store Card account will switch to paperless billing. Upon discovery of this email, I clicked the link to continue to receive paper statements. Now I'm keeping a much closer eye on my email in box and received the attached " Email 2 '' on XX/XX/XXXX announcing that my " statement delivery is about to change. Again, I clicked the link to continue to receive paper statements. I should not have to respond to weekly emails to continue to get my credit card statements mailed to me. I wonder how many Synchrony credit card holders were impacted and how many did not see a notice of this change. I believe it is also very likely that some people could potentially miss a payment and be subject to late fees and interest charges as a result of not getting their statement in the mail as they have become accustomed. I always thought that consumers had to agree to receive paperless statements but apparently sending statements in the mail has become a cost burden for a company that charges almost 26 % interest. This is ridiculous and should be illegal.

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC
State: KS

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, GLOBAL LENDING SERVI add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX  XXXX  XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX, XXXX  XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I writing in regards to Chime bank ( XXXX XXXX  ). Mainly in regards to faulty customer service practices and a heightened amount of account suspensions and closures in the middle of a pandemic when assess to funds are critical. With this being my primary bank account i have been cut off from all funds and assess to my personal information with no concrete information as of why even though i verified my identity on two separate occasions when prompted to do so. On XX/XX/XXXX upon receiving a new t elephone number i notified chime and provided proof of id and ownership as requested to do so and was told my number was changed. The chime app is the only method if assess to monitor your funds and a user is often forced out sometimes being mysteriously let back in. On XX/XX/XXXX i was once again being forced out of the chime app i was prompted to manually change my number that was supposed to be changed in XX/XX/XXXX by chime to gain assess. i was asked for identifying factors which i provided then asked to provide a code sent by text to my telephone which i tried to do 5 times before calling customer service. I called customer service and asked what the problem was which was never answered asked yo send identifying info to support which i did. I waited several hours to assess my account again to pay bills and was notified that my account was suspended I emailed and was prompted to send further id to which provided again. I have emailed and called on XX/XX/XXXX, XX/XX/XXXX on which i was told my problem. was being escalated and would be solved in 24 hrs, XX/XX/XXXX to no avail even speaking to supervisor XXXX the would not tell me why my account was suspended offered no support and told me to email. I now have no XXXX to unemployment monies which took five months for me to receive In the middle of snow storm and pandemic. I am confused. And without out funds that are mine. I am also unable to monitor my account for fraud and theft. This is happening to others too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XX/XX/2020 I talked to Bank of America about releasing the {$10000.00} check to me from my homeowners insurance company. They said they would get back with me. They didnt get back with me. About a month later, XX/XX/2020 I talked to them again and they said that they would accept 10 % of the current outstanding payment and recalculate the rest back into the loan and recalculate payment as they would any other time. They would take the 10 % from the {$10000.00} check and release the rest to me. I understand things have been slower with COVID, but Id really like to get this taken care of ASAP and I know that Bank of America would like to start receiving regular payments again.

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 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I received a letter from Huntington National Bank, XXXX XXXX XXXX - XXXX on XX/XX/XXXX addressed to my husband XXXX XXXX XXXX and me, XXXX XXXX XXXX, stating that my husband, who passed away on XX/XX/XXXX that he asked for documentation on our Mortgage Loan, signed by Consumer Loan Servicing. was told that they didn't know, that my husband had passed away, although I presented his death certificate at a branch, advising them of his passing. 

They also included a Tax Form, stating the outstanding balance of {$25000.00} with recipient XXXX XXXX and my husband 's SS # XXXX.This loan was paid in full with {$21000.00} on XX/XX/XXXX. 

I called its Mortgage Department several times at XXXX on XX/XX/XXXX at XXXX XXXX, talking to several Representatives including Supervisors within 30 or more minutes without any resolution. I also asked to be connected to a Manager, and I was told, no Manager was available, and one would call me back today. 

Due to their dishonest behavior, I an unable to file my Taxes for XXXX when I received their notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: MA

Complaint narrative:
Bank of America charged my credit card {$29.00} back in XX/XX/2020 for no reason from XXXX XXXX. I disputed this charge with them multiple times and every time they agree it's fraud and say they will remove the charge but never do and everytime they tell me I need to wait a month until it will be fixed on my account. For more than 2 months now I've called them multiple times that this charge is fraud and their representative says the amount will be removed but never is. 

Bank of America has now sent this amount to collections which they said they would not do since it was an unresolved fraudulent charge. 

Bank of America is not protecting their customers from fraudulent charges.

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 2021-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I use my cashapp for specific people but there are three transfers I just noted today to XXXX XXXX on the following dates : XX/XX/2020 for {$200.00}, XX/XX/2020 for {$20.00}, and XX/XX/2020 for {$320.00}. The transfers were done without my knowledge and did not consent. This is not the first time I have had fraud with my account and every time I use it I label what it is for these transfers are not labeled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: NY

Complaint narrative:
The following EMAIL complaint was sent to Discover Bank on! XXXX with no response. 

XXXX I would like to inform you about your negative customer service. Around XX/XX/XXXX I notified customer service that one of my IRA accounts was not posting any interest since XX/XX/XXXX. I received a message on XX/XX/XXXX that the problem was escalated and the interest would be posted in 2 or 3 days. 

On XX/XX/XXXX I faxed an IRA distribution request to close the account in XXXX because I would not be required to pay any income tax this year versus next year when my tax rate will be high. 

On XX/XX/XXXX I called to verify that the distribution was being processed and was told you will not process the distribution until they resolves the interest problem at a later date. I told them this is unacceptable and demanded they close the account in XXXX or I will file a complaint with CFPB. 

Towards the end of day XX/XX/XXXX, I received a call informing me that they will close the account and asked me to select an option for the claw-back of interest for XXXX & XXXX in the amount of {$23.00}. The options were withdrawing the funds from another account or reducing the payment payout. 

It is very cheap and greedy of Discover Bank to be more concerned about {$23.00} rather than the importance of distributing my funds and the inconvenience caused in addition to the value of my time spent reporting the problem and trying to get my IRA distribution processed. As a XXXX year old client I do not appreciate the stress you caused. It is amazing that Discover Bank worth billions of dollar will do anything, regardless of how it effects the client to recover a few dollars that may have lost through their own fault. 

I would like to know how you justify your intentional delay of distributing my IRA funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: KY

Complaint narrative:
on XX/XX/15 my entire cash balance of XXXX was transferred to another bank debit card at XXXX of which I hhave never done business.. The day before this or these hackers tried to move my money to a different Visa Debit card but it was not the right card or something. On that day, for the first tiime in over a year and half my account information was deleted, name, bank, phone, email etc and replaced with someone who used the name XXXX XXXX which doesn't seem a legal name. I have never been able to get the name of the bank card holder but it wasn't me.. This is just a few bits of the story but this bank obviously does not have protections to prevent my money bbeing transferred to a foreigh bank. Not a purchase for something. Transfer of all my monney. Local PD has report. I have never given my phone pin or the pin for the Cash App. There is not appropriate safety measures to protect our mooney and they have not replaced it provisionally. They say they can't determine if or not it was authorized. They have more than enough documentation and history to see I was robbed and I am victim. Stop thiis aand restore my financial position.

Company response to consumer: Closed with explanation