vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Had a dispute with Sychrony bank concerning a {$160.00} Amazon credit account, received an e-mail clearing me of this error on their part. Today. When I checked with XXXX XXXX. both XXXX and XXXX had dropped approximately 80 points due to Sychrony bank filing a {$160.00} past due notice.

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 2021-12-10 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: NY

Complaint narrative:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like i'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got 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 non-monetary relief
Consumer complaint received 2021-12-10 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: SC

Complaint narrative:
I notified Equifax that a hard inquiry on my credit report on XXXX XX/XX/2021, by XXXX XXXX was fraudulent. There was also another inquiry to XXXX XXXX  on XXXX XX/XX/2021 that has been resolved. I contacted XXXX and they concurred it was fraudulent and an account was not opened. I put a fraud alert on my credit accounts, reported it to the Federal Trade Commission and after filing reports through them, received notice that Equifax will not remove it because they say it is a valid inquiry even though I did not authorize it. I have written to them twice with the same result. I want this hard inquiry removed from my credit report- it is fraudulent and I should not be penalized for someone else 's bad behavior. 

Please see the attached : >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/2021 XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited inside of a Bank of America branch. During the deposit, I kept getting questioned, but I took it as conversation. I was told my find would be a check deposit of {$29000.00} released within four days.

My funds still havent been released, but I havent received any in-mail notice telling me the hold would take longer. Now its being held way longer than a standard hold with no reason for the delay being placed. Ive called their XXXX lines and been told that they can see a reason only that deposit takes between 1-7 days when my deposit is projected longer than 7 with no explanation. 

Ive called XXXX who issued the check, and they said to do an executive call with myself, BOA, and XXXX. The branch denied doing such a call. I waited for 2 hours before being helped. 

I believe I was racially profiled, and I think I'm someone who commits check fraudkiting as it states on the federalreserve.gov website. This check is a part of a settlement, and Ive already notified my attorney of the funds being held for an unknown reason. Upon further research Bank of America does this often with does give any reason to its consumers.

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 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I missed a payment of my credit card statement of {$12.00} by 7 days. they charged {$17.00} late fee, plus interest. the fee posted the day after due date I thought the fee is not allowed to be more than 100 % and even if yes, it's very greedy. 

I usually contact the company before filing a complaint, but their getting worse by the day, I felt I need to call them out. I don't want to need to call every 2 months and threaten a complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I owed XXXX XXXX XXXX $ but I paid this debt directly to XXXX XXXX at their store but the collection company is still trying to collect this debt. Its hurting my XXXX XXXX and i need to take it off immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My home was destroyed by hurricane Ida and condemned I was selling my kitchen cabinets on XXXX XXXX for XXXX this person by the name of XXXX XXXX reached out and wanted to buy them. The agreement was he would send check for the amount of the cabinets plus moving fees for a company to pick them up I received a check for XXXX so XXXX for cabinets XXXX for moving fees. He coaxed me into sending him the XXXX through XXXX via my chase bank. He said thats the only way the moving company would move the cabinets. They needed the money up front. He then two days later canceled it saying his sister had an accident was in the hospital with XXXX XXXX XXXX and he needed the XXXX sent to him in cash thats when I realized it was a scam. He scammed me at a very vulnerable time I have lost my home. Im a XXXX in the XXXX just come through XXXX I need this money back. Please can you help me. This is just not right. I need my chase to look into this for me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
You have violated my rights as a consumer according to The Fair Debt Collection Practices Act ( FDCPA ) on multiple violations. 

Violation 1 and 2 : 15 USC 1692d ( 806 ) Harassment or abuse ( 2 ) You harassed me after I stated that the alleged " debt '' did not belong to me, via email. 
You harassed me after I stated that the alleged " debt '' did not belong to me, via phone. 

Violation 3 and 4 : 15 USC 1692c ( 805 ) Communication in connection with debt collection ( a ) I never gave the debt collector permission to communicate with me in connection with the collection of the alleged " debt '', as I have been harassed via email. 
I never gave the debt collector permission to communicate with me in connection with the collection of the alleged " debt '', as I have been harassed via phone. 

Violation 5 : 15 USC 1692c ( 805 ) Communication in connection with debt collection ( a ) ( 1 ) I informed the debt collector that it is NEVER a " good time '' to harass me about an alleged " debt ''. 


According to the FDCPA, you, Cascade Capital Funding LLC, assume liability to pay individual, remedies PER violation of {$1000.00}. 

Cease all alleged " debt '' collections following this communication. You do NOT have permission to contact me in regards to any alleged " debts ''. You have 3 days to remove any alleged " debts '' and respond only with violation remedies of {$5000.00} ( 15 USC 1692k ( 813 ). Civil Liability ( 2 ) ( A ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: AZ

Complaint narrative:
I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and i want it investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I was in XXXX XXXX jail from XX/XX/XXXX to XX/XX/2021 and my card was used without my permission. When I got out of jail I contested the purchases that were not approved. My account was credited only for some of the purchases and Credit Karma froze my account and will not let access my funds that were credited back to my card and will not perform an investigation on the other money stolen. They also refuse to close my account and have a paper check mailed to my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XXXX of 2020 my wife lost her job of 26 years due to a XXXX layoff. In XXXX of 2020, we requested a forbearance with our servicer, Shell Point Mortgage. Our loan was always under XXXX XXXX. We are now at the end of our forbearance, with our payment due this month ( XXXX ). We wanted to use the deferment option to put the {$26000.00} balance at the end of our loan. Today after speaking with our servicer, we learn on XX/XX/XXXX that our loan was sold to a different investor, XXXX XXXX XXXX XXXX. and is no longer affiliated with XXXX XXXX. We also learned due to the sale, we are NOT eligible for a deferment with Shell Point Mortgage. Shell Point told us that our investor will not allow deferments. You can only imagine how upset we are! Is there anyone that can assist us? Is this able to be overturned? We live here in California and had the most stringent lock downs during an extended Covid period. We are trying to see if we can get a modification but we don't know if we will qualify. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Please accept this statement as a formal complaint against the above credit card company for its refusal to remove the sum of {$97.00} from my account for a charge that I never made. 

The timeline and basis for my complaint follow : XX/XX/2021 The charge in question first appears on my statement for a transaction involving XXXX XXXX on XXXX XXXX XX/XX/2021 I called Customer Service and advised that I had not charged the sum of {$97.00} at XXXX XXXX, and asked that the charge be removed from my account XX/XX/2021 My dispute is acknowledged and I am asked to provide additional documentation, which I provided ( copy attached ) XX/XX/2021 My claim is denied on the basis that the information I provided was not enough to support my claim ( copy attached ) XX/XX/2021 I call XXXX XXXX and receive confirmation that no charge for this amount existed on their records. I send my letter to LL Bean again stating that the charge is not appropriate ( copy attached ) XX/XX/2021 LL Bean again declines my claim advising that, the documentation does not support the claim ( copy attached ) XX/XX/2021 I again call XXXX and receive written confirmation directly from this vendor stating that no charge for this amount exists on their records - see email with screenshot from XXXX XXXX, Front Desk XXXX at XXXX XXXX dated XX/XX/2021 where he states, " I am unable to find any charges for the amount we discussed of {$97.00} ''. A copy was forwarded to LL Bean under letter of that date, together with yet another request that the charge be removed from my account ( copies attached ) XX/XX/2021 LL Bean again denies my request stating that, the documentation doesnt support the claim ''. ( copy attached ) I have provided to LL Bean copies of documents sent to me directly from the vendor in question where the vendor himself states in no uncertain terms that a charge for {$97.00} does not exist on their records. Despite this, LL Bean refuses to remove the charge from my account.

LL Bean has acted in bad faith by their refusal to remove this charge from my account, despite the fact that I have clearly and convincingly demonstrated that the charge was never incurred.

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 2021-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I require this debt to be validated that it belongs to me under the Fair Debt collection Practices Act. I have the right to request validation. I want in writing any proof that I am the party owing the debt, any EOB and statements proving the debt is mine. If not provided within 30 Days please remove from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: Winklevoss Exchange LLC
State: CO

Complaint narrative:
I opened an account with Gemini. Shortly after doing so my account was frozen without explanation. I have filed a support ticket and reached out to gemini for support. No response. My user name is my email. XXXX. After submitting my ID and a selfish with the date and required info I have yet to recieve a response. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: AZ

Complaint narrative:
I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and i want it investigated and removed from 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 non-monetary relief
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021, I noticed unauthorized charges from my PayPal account and reported to PayPal right away as well as to my credit card company XXXX XXXX XXXX ). 

Starting from XX/XX/2021, PayPal sent me 17 emails telling me I got double credits for the disputes I filed and put {$530.00} into my PayPal balance negatively.

I called PayPal right away upon seeing these emails and charges placed by PayPal and asking for getting the issue resolved. None of my 10 calls get the problem settled. 

Now I start receiving debt collection calls and mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: VA

Complaint narrative:
I am trying to purchase a home. I have an inaccurate Experian credit score that has not been updated since XXXX XX/XX/XXXX. This is resulting in a higher interest rate. By law Experian is supposed to updated any inaccurate info on my credit report after 30 days. I have also disputed the two collections accounts on my credit summary but they still shows the accounts are in collections. They were paid off on XX/XX/XXXX. I need someone to ensure my score is reflected correctly to shows updated and accurate info. I have attached screenshots to reflect the issues, disputed info and more.

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 2021-12-10 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: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I received a letter from my original mortgage lender XXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/2021 which indicated that they were transferring my loan to Nation Star d/b/a Mr. Cooper. This letter stated that the change in servicer would not affect my credit score but it indeed has. This change has caused a 30 plus points drop in my credit score across all three credit reporting bureaus. On XX/XX/2021, I contacted XXXX and Mr. Cooper to file a dispute and the reps told me that the change in servicer should not affect my credit score. Mr. Cooper rep stated that I would receive a result of their investigation within 7 days - I have not received anything from them other than my issue requires further investigation. I also filed disputes with each credit reporting bureau. XXXX and XXXX notified me that the results of my disputes were complete but when I log in to see the results there is nothing there, to show that anything was done. I am desperately seeking help to resolve this matter and I have never paid my mortgage late and now this change has caused such a drastic decrease in my credit score. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have reached out to HOME DEPOT and requesting information in which i have yet to receive a response. HOME DEPOT is In Violation of my rights as a Federally protected consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: LoanCare, LLC
State: FL

Complaint narrative:
Loan was sold in the middle of a Covid forbearance and new servicer reported loan as over 120 days delinquent. No payments were ever missed, current going into forebearance.

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 2021-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I request validation of the debt by CMRE Financial Services that reported on my credit report on XX/XX/21. Per the Fair Credit Report Act I have the right to require this debt be validated that it is mine or be removed from my credit report. I would like all documentation, EOB 's, statements and medical records sent proving the debt is mine to pay within 30 days or remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: CA

Complaint narrative:
XXXX XXXX Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation