vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: DE

Complaint narrative:
Escrow analysis was performed in XX/XX/XXXX. At this time, Amerihome mortgage company erroneously requested the taxes due for the parcel belonging to our neighbors. This added approximately {$800.00} to our taxes and put our escrow in an approximately {$1900.00} shortage. Monthly payments as of XX/XX/XXXX went up from XXXX to XXXX. In XXXX, we requested information regarding this increase as our taxes had not gone up and were told that this information is accurate and in accordance with taxes paid to the county. Due to COVID closures, we were unable to gather information from the county in a timely manner. 
XXXX we were able to receive an answer from the county and learned that we were charged for our neighbors property taxes. We contacted the company via phone several times and were told requests were put in to correct this. We received no answer as to when we should expect a refund or whether we should expect one at all, and were expected to continue and make the increased payments in the mean time. 
On XXXX we contacted the company via email and received a response from their escalation department. We were then told that our payments could not be recalculated until the company received a refund from the county, and that should be expected XXXX XXXX ; however, no automatic payments will be withdrawn in the meantime according to Amerihome, and they will allow us to make reduced payments in the meantime. Today, XX/XX/XXXX, we received an email stating that an automatic payment is being processed. We have not heard anything regarding resolution of this matter, other than an email notifying us that they are still waiting for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: IL

Complaint narrative:
I do not have knowledge to this debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 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: PA

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be 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 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
XX/XX/2020 Citi Bank closed my account BC of some kind of fraud BC I called and told them my card and phone my purse was stolen so they closed my checking account and never sent a letter or the remainder of funds that was in my account witch was like {$1500.00} or more so when the 3rd stimulus came out my check was linked to my Citi checking account and they deposited it when they had been telling me for almost 7 months my account was closed so ive been calling them for almost 1 1/2 and they tell me something different everytime I call and I still aint aint received my funds that i had in my account when they closed it and I need my money ASAP

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 2021-06-30 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: FL

Complaint narrative:
I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
One word describes this bank best : INCOMPETENCE. Let the facts below -- describing Synchrony 's misconduct in-detail -- establish the case : I have stellar credit. Earlier this year, I allowed Synchrony to open two retail credit card accounts, which they did instantly with no issues. I make regular purchases and pay those bills every month. They know who I am and the fact that I pay my bills timely. 
Around the XXXX of XXXX, I received a pre-approval for another Synchrony-managed card. I accepted the offer and Synchrony sat with the entire thing in a " pending '' state and did not update or communicate with me whatsoever. Annoyed by the lack of any action whatsoever by Synchrony, I called and went through their menu funhouse and waited on hold forever. 

When I finally reached an agent, she looked over everything and said they had a problem verifying my identity and asked some questions. I asked why they had identity issues when I am a current customer and have the same exact information on-file? She sent a verification text to the same phone number on my other Synchrony accounts and I read it back to her. 

She then stated I would hear back from them, which, to this day, has NEVER occurred. 
Thus, it appears that the incompetent people within your company either 1 ) are scared to deal with me, even though I am a CURRENT CUSTOMER with regular charge/pay activity ; or 2 ) your people are incompetent and can not perform the duties to which they are tasked. 

I've suffered damages and have been subjected to the run-around and other abusive and unwarranted conduct by your Company, not to mention irreparable harm to my credit report as a result of your negligence and misconduct. You are advised of these facts and have been messaged further detail privately.

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 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I XXXX dollar payment posted. Also the funds came out of my bank. When this happens my available credit goes back up. Customer service states they have the right to wait 7 additional days before allowing me to use my money. This has never happened to me before. I dont think this policy is legal. I made those payments because I am relying on the available credit to pay bills. 

This is Capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: PA

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
Mother had reverse mortage.She passed a couple months ago and have since sold her house pending probate.Reverse mortgage keeps sending foreclosure letters weve though I have sent them all forms requested and intent to sale notice.Champion Mortage is reverse mortage holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last Friday, XX/XX/2021. I reported to Chase bank about unauthorized transaction from my checking account. I spoke to XXXX, I was put on hold for 15 minutes, then I was transferred to a female, I repeated to her about my report that their is an unauthorized transaction in my account amounting to $ XXXX something. So she said, they will investigate and she acknowledged it, they will cancel my card and send me a new one. I said thank you. I was expecting my debit card be replaced right away. Saturday comes, Sunday and Monday. I called and followed up. Bec I used my credit card to gas up, but I was declined, found out that Chase banker cancelled also my credit card. Instead of my debit card only of which I only complained about my debit card, for that unauthorized transaction. I spoke to a male banker, & said they will replace my credit card. I was so disappointed that both my cards are on hold. I needed to gas up, and non of them works. I cant catch up with banking hours bec I m at work, gets out of work and bank is closed. I waited for another day. XX/XX/XXXX, Tuesday morning, I called again to follow up my debit card., I needed to send money to my brother for his dialysis and medications, but my debit card still on hold. I spoke to XXXX. She said my debit card was on hold and the replacement is was bit in placed. Which makes me more upset. I spoke to their supervisor, this is not acceptable. Its a negligence, I needed my card, for my money. I dont use XXXX XXXX bec I done trust it. My chase account is often encountered unauthorized transaction that I dont understand why it happened. So pls help me get a fair service, this chase bank should train their staff well. They should compensate. And Im so disappointed with their negligence. I am a XXXX who works hard. I know what it means to be responsible to my clients. So pls help me let them feel my disappointment and concern. I dont accept apologies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Account Name : US BK XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it 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 2021-06-30 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: DE

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be 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 2021-06-30 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: DE

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bureau of Accounts Control
State: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX, Date of Service : XX/XX/XXXX, Amount Due : {$820.00} Debt sent to Bureau Of Accounts Control for collection. 
Derogatory remark placed on my Consumer Credit Report. 

The {$820.00} bill in question is in reference to a XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a date of Injury XX/XX/XXXX and XXXX Case No. : XXXX. The carrier is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. : XXXX. 

Please note that under the law a bill is considered timely if it is sent within 90 days of the last day of the month in which treatment was rendered. Please note that any attempt to collect this debt through a collection agency from the claimant even should XXXX XXXX XXXX XXXX XXXX XXXX XXXX not pay is considered actionable under Section 13-f of the XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-06-30 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: NV

Complaint narrative:
According t

o 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any
debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I had tried opening an account with XXXX XXXX XXXX at the beginning of the 2021 year, but was denied because ChexSystems. I had a previous opened account with XXXX XXXX XXXXXXXX and my account was closed immediately, in suspicion of fraud that was not presented by me. I had reached out to XXXX XXXX  XXXX at the time to recover this however they were not willing to help me out whatsoever. I am a victim of fraud but can not gain any help. I called Chexsystems and I gave my personal information and at the very end of the long call I was told I should receive my personal report. But after more than 3 months, I have not received anything at all. I then go to the ChexSystems official site and I fill out the form to request my report, I've done this various of times, and like usual I am directed to a page saying, Error : A security quiz based on the information you provided could not be generated. Please contact ChexSystems to submit your request using another method, '' after submitting my report more than once on different days. This is very unsettling as I have tried requesting my report several times.

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 2021-06-30 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
A dog was purchased from XXXX on or about XX/XX/2020. 
After taking the dog to the veterinarian as required by XXXX it was discovered that the dog was sold with a KNOWN congenital defect without any disclosure to us. We were told to return the dog immediately. We contacted XXXX several times without a response in addition to the insurance warranty company supplied by XXXX again to no avail. Multiple emails, phone calls and letters written and all of these have been submitted to MO Attorney General and the XXXX. However, to date XXXX has refused to respond. Contacted Comenity in regards to this from the beginning for fraudulent charges due to product not received as promised. Still to no avail. Contacted the sales representative directly by text message and she reported she would refund the money to the card and a receipt was provided to Comenity. However, to date they refused to credit the account! Something needs to be done to XXXX as after investigating this problem occurs numerous times over and over across the country which is disgusting. The response from the MO ATTORNEY General was that this company always fails to respond- ok why isnt something being done! I have many credit cards with Comenity and have made other larger purchases from XXXX in the past and paid my bill - however I refuse to pay for a service that was not provided and its not ethical to sell an animal with a known congenital defect. The veterinarian wrote a letter in regards since he did the original intake assessment in XX/XX/2020 and yet they still sold the dog to us XX/XX/2020!! I have provided all this documentation to Comenity, XXXX, XXXX Mo attorney general and the warranty company.

Company response to consumer: Closed with explanation