vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i got a statement from my bank when i tried to raise my credit line they sent me a paper that said i was turned down because of late payments on one of my accounts. i have never been late on any of my credit card or loans payments. so when i got my credit report it said i lived in georgia and had a phone number in georgia which i never did and the late charges started when my account address and phone number changed to georgia. plus if you look at where all the charges were made they were all made in georgia. i called the company and told them i never lived in georgia and i never had a phone number in georgia and i never made the charges on my account. the company said that all info was correct and said there was no fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services
State: FL

Complaint narrative:
In XX/XX/XXXX, I checked my credit report and noticed a collection account from Automated Accounts Management Systems ( AAMS ). I sent a validation request on XX/XX/XXXX. I received a response from AAMS dated XX/XX/XXXX. I noticed that this company had my all of medical information from XXXX XXXX XXXX and that is what they sent me. I was never given any validation that had my signature on it that allowed them to collect. At that time I was beginning to do research on HIPAA violations and realized that this is a violation of my HIPAA. AAMS should not have this protected information without my consent. I sent a letter requesting that this information be immediately removed as this is all a HIPAA violation. I received a response from AAMS that they had sent verification information back in XX/XX/XXXX and that they would not respond to any more requests. I was flabbergasted. They are not allowed to have any of my medical information. I send another certified letter dated XX/XX/XXXX ( Sent on XX/XX/XXXX ) and they received the letter XX/XX/XXXX. I have not received any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
We have had a HELOC on our home for the past several years. It has largely gone unused. There is a XXXX balance on it. 

A couple of months ago, Specialized Loan Services, the company who had bought our loan from XXXXXXXX XXXX, began sending notices that they suddenly required flood insurance on this XXXX balance loan. ( Which hadn't been required for several years of this loan. ) Several attempts were made to contact the number regarding the insurance issue on the notice. Also note that in no place was the general customer service number for the company provided. Most of those attempts at contacting their insurance division led to a voicemail system that failed after the information was put in. Honestly, they very well looked like they might be scammers. 

Finally, after another notice, I was able to get through to that insurance verification department and get the general customer service number to cancel this loan, with a zero balance on it. I called this department on XX/XX/XXXX and informed them of the intention to cancel. They advised that a payoff statement would arrive in 5-7 days ( for a XXXX balance loan ). It didn't. I called back on XX/XX/XXXX and learned that they had charged the insurance to my loan for the amount of XXXX. They informed me that it was bought on XX/XX/XXXX, the FIRST day I called, and it says issued on XX/XX/XXXX, the SECOND time I called. 

They took these actions without my consent or authorization and did so coincidentally on the days of both phone calls to cancel. Again, this was a XXXX balance loan and they had every right to cancel it if something didn't meet some new, criteria. This is the height of unethical behavior to apparently farm money from a loan not being used. 

Coincidentally, our house was never even noted as being in a flood plain.

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 2021-04-16 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Bank held my stimulus check so that I would overdraft my checking account. Once I did overdraft my stimulus check was made available. Chase then credited money to my account without my authorization for all fees accrued due to them holding my stimulus check. Then they took the amount credited from my account 29 days later, which was when I was made aware that this was happening with my account. I did not sign or offer any approval and did not at anytime ask chase bank for any assistance with anything regarding my stimulus check. Assistance is for those who need it, how does Chase determine who needs assistance without first communicating and asking thier consumer? I have no rights as a consumer if I have no choice in regards to my funds. Sending an email is not proper notification for chase changing their service agreement in regards to overdraft fees and not first sending me documentation and proper notice they are doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted the credit agencys about my XXXX account and chase account as the balances owed are not corrects, and I tried to settle the correct amount with them but the was denied. I requested how the credit agencys verified the account was accurate and I was never provided any proof just a letter that says it was verified again but i want to see my application I signed something there verifies this account was mine to say it was verified.

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 2021-04-16 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 have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was checking my credit on Experian website when it said that my XXXX account could not be accessed. I clicked and after seeing that the figures on the screen changed dramatically, I realized that I had linked my checking account or shared my data with Experian which is something I did not wish to do. 

So I tried to unlink it and was unable. 

An email from Experian would redirect me to XXXX and instructions on how to unlink, the third option after clicking on profile and settings was visit AccountSafe page. XXXX is theres no such XXXX page and no way to unlink. 

I spent time trying to figure it out and called XXXX where I waited on the phone for about half an hour. Then, waited to talk to a supervisor because the first advisor wanted to have me call the XXXX fraud department, which would have screwed up all my accounts and send me down a huge rabbit hole. 

But this is not fraud exactly but a trick to access your data under a phony pretext and then not be able to unlink Experian from your bank account. 

The XXXX supervisor XXXX also knew nothing about this gimmick and/or the lack of an XXXX page to unlink and called it credit journey. 

But nowhere on the page did it say credit journey. I just wished to unlink Experian to my personal data. 

This was accomplished through another means not the prescribed bank/Experian method. 

Its obvious the bank and Experian are in cahoots to hoodwink you into sharing your private information without any options. 

Although I was finally able to unlink, it took me an hour and I have also filed a complaint case # XXXX To what end I dont know. Its all rigged. Is it any wonder Americans are upset n I realize that the CFPB is not empowered to do anything at all about anything except take the banks money in political contributions, but this is so transparently a SCAM. Its my responsibility to go on record reporting it.

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 2021-04-16 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed that this was still reporting. This debt is very old and I have consulted this debt only to know that this account is past the statute of limitations in Utah according to my attorney general. Not only is it past the statute of limitation bu tit is also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of Fort Walton Beach, Inc
State: MI

Complaint narrative:
Someone used my information for a 16minute emergency room visit to a place I've never been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC
State: TN

Complaint narrative:
I done paid this bill off almost a year ago and i don't know why this is back on my account So delete this because elevate recovery bought it and they are debt buyers and this is the violation of my HIPAA rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Credit & Collection, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX debt was reported to collection agency, Midwest Credit Collection. XX/XX/XXXX the agency reported a {$1.00} increase which caused my score to go down. XX/XX/XXXX they reported a {$1.00} decrease and today XX/XX/XXXX reported another increase of {$1.00} which made my score drop another XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: IQOR US INC
State: OH

Complaint narrative:
I paid off {$1300.00} of a collections balance to remove a family member as a cosigner from my account with the company. I received a receipt stating the cosigner was removed and I would be responsible for the remaining balance. I still owe a balance but my cosigner is still being called about the loan. My cosigner has begged them to stop calling her and has told the company I have not lived at that number for years. I told them the same when I spoke with them and begged them to stop calling my cosigner because she is elderly and sick. She is extremely stressed and is being harassed at this point. They continue to call and my cosigner stated the company told her they will not stop calling her because I still owe a balance. I was assured after the {$1300.00} payment was made to release her as a cosigner that no more calls would be made to her. I simply want the company to stop calling my cosigners home and to stop harassing her.

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 2021-04-16 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: LA

Complaint narrative:
Last XXXX Ive sent disputes for those inaccurate and unknown accounts but I haven't received any response yet it almost 60 days. I demand to delete those accounts asap or I will file litigation.

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 2021-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
We had an credit card with Capital One with a {$500.00} credit limit. We were not using it and closed the account with a {$0.00} balance to avoid further fees in XXXX. Capital One stopped communicating with us after we closed the account. In XXXX XXXX XXXX put an item on our credit report claiming that we owe {$1200.00} on the closed Capital One card. They claim that the account was not closed and that Capital One increase the credit limit repeatedly before sending the account to collections. We have requested documentation and disputed the debt three times through XXXX & XXXX to avail. XXXX XXXX claims that they've send us documentation on two occasions but has never done so. They are also required to send documentation when the debt is disputed. They have never done so. Our best guess is that Capital One secretly kept the account open, charged themselves service fees and increased the credit limit without disclosing this to us. We believe that whatever documentation XXXX XXXX has shows this and that is why they refuse to provide documentation. We believe that both companies are in clear violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity Bank is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Comenity Bank report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Comenity Bank please take leniency on my hardship and remove any XXXX and XXXX lates as a one time goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is a new complaint to follow up on previous claim ( XXXX ). 

SunTrust Bank ( Now Truist ) responded by filling a Fraud claim with their fraud department and notifying me on XX/XX/2021 with the fraud case number ( XXXX ) and that they will update me within 15 days. 

The case involves a reissued Escrow check that was allegedly mailed to me however was cashed by another individual. 

I received a copy of the cashed check from SunTrust on XX/XX/2021. The endorsement on the back of the check ( bank routing number ) indicated that the check was deposited via ATM of XXXX XXXX XXXX XXXX ( XXXX ) bank account. I verified the information with XXXX  and they confirmed routing number belongs to them. I included that information in the police report which I submitted to SunTrust and XXXX. 

Since I haven't heard any follow up regarding the fraud claim, and after may attempts I was able today XX/XX/2021, to get through after 2 hours on the phone to find out that they send an affidavit ( which is the next step after initiating a fraud claim ) to the involved bank, supposedly XXXX  ... however they sent the affidavit to ( XXXX  XXXX XXXX )! which has nothing to do with cashing the check nor do I even bank with. 
I can't get through to anyone who is in charge to talk to and follow up. Every time is a struggle to communicate with them, the only good thing is the customer service representative who assisted me finding the information today about sending affidavit to XXXX  XXXX XXXX. 

I fear that they will close the case with no resolution due to their incompetency and inability to even read their own documents ( endorsement on the back of the cashed check and run a simple Bank Routing Lookup ) not alone my police report, and I will be out of my money ( {$690.00} ). 

In the meanwhile, from my communication with XXXX, they are waiting to receive commination from SunTrust to start the process at their end. 

I am at the end of my rob here and not sure what to do?

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 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Hello, I am reaching out to file a complaint about my mortgage servicing company MrCooper. Despite being the subject of multiple federal and state investigations, and having most-recently settled claims brought by the CFPB and the Attorney 's General of all 50 State, the company continues to engage in a number of unlawful and predatory practices. Specifically, my complaint refers to MrCooper 's : 1. Engaging in a number of unlawful mortgage handling practices. 
2. Failing to adhere to commonly acceptable industry standards of service. 
3. Failing to properly handle my loan modification requests. 
4. Failing to properly conduct an escrow analysis. 
5. Misrepresenting the loan modification options available to me. 
6. Improperly denying my application on multiple occasions. 
7. Failing to follow the investor 's ( XXXX XXXX ) guidelines for loan modification.

8. Structuring the modification in a manner that maximizes

MrCooper 's own financial gain, is predatory, and significantly harms the borrower, without properly addressing the fundamental needs and rules of modifying the loan as et forth by XXXX XXXX. 9. Engaging in unfair and deceptive mortgage servicing practices. 10. Failing to follow the detailed set of rules and " servicing standards '' set forth in the content judgment MrCooper 's reached with CFPB in 2020. 
11. Failing to have and enforce proper procedures in place.

12. Failing to properly investigate consumer complaints.

Over the course of many months, I have contacted MrCooper over 2 dozen times, attempting on multiple occasions to escalate and address the matters described above. Unfortunately, the company has failed to adequately respond. MrCooper 's unfair, predatory and illegal practices have caused me substantial financial harm and have greatly jeopardized the safety of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: AMALGAMATED TOKEN SERVICES, INC.
State: FL

Complaint narrative:
On date XX/XX/2021 I opened an account on Coinlist and deposited XXXX USDC into my account. After that date, I was never able to log into my account again and therefore to use my funds. 
I raised this issue to the company on a few days later by raising a ticket ( XXXX XXXX ) on their website. When you raise a ticket, they promise to get back to you within 7-10 days but they never responded. I also sent mails and messages and they took no action and did not respond to any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Bank of America is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. 

I received a response from them but not with all of the documents that I requested and they did not update the credit report as disputed. 

Bank of America is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA. 

I will attach the response of the Bank of America

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 2021-04-16 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: OK

Complaint narrative:
. I submitted dispute letters on XX/XX/XXXX, a 30 day to comply letter mailed on XX/XX/XXXX and a final dispute letter mailed on XX/XX/XXXX. Along with my FTC report along and a signed and notarized Identity theft affidavit, to show proof of ID theft and the accounts that were listed were not deleted or investigated but remained on my 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