vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
This company is reporting to all three credit bureaus ( XXXX, XXXX, and XXXX  ) on my consumer credit report multiple conflicting and inaccurate information, including various account types, dates, credit limits, and payment history. The mentioned credit bureaus are also reporting these inaccuracies. I have requested proof with a signed contractual agreement from the company and disputed these inaccuracies with the credit bureaus but received vague verified responses with no proof and continued attempts to collect. It is my right as a consumer to dispute any and all inaccuracies and request appropriate validation of any accounts. These inaccuracies are in violation of the following laws : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX ; US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX ; FCRA Section 623 ; XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case XXXX XXXX XXXX ; and FCRA Section XXXX Part ( A ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
As a personal customer Wells Fargo for 27 years, I have maintained a business checking account with the bank since 2014. I primarily use this account to receive payments for my small business that provides consulting services to small wineries in XXXX. Due to COVID-19, I have not had any revenue in the past three months coming into my account and therefore had a zero balance. While I understand that this is a legitimate reason to close an account, I received absolutely no notifications from the bank over the course of the past three months regarding the closure. I woke up to an email this morning informing me that my account has been closed without any prior notification. I find this to be very deceptive as the bank claims that they typically notify account holders at the 30, 60, and 90 day intervals before closing an account. The sudden closure of my account has now put me in a difficult position as I have restarted generating revenue and Im unable to transfer it to the US to use it to support myself.I would like to reiterate that my frustration stems from the fact that I was not notified in a timely manner about the potential closer my comfort rather on the day of the closing. After contacting Wells Fargo, they were unable to offer me a solution to resolve this matter and therefore I would like to file a complaint. As I receive an email from the US Postal Service showing images of the mail I receive on a daily basis, I would be happy to submit documentation proving that I did not receive any communications from the company.

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 2021-04-02 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
This complaint relates to both the Apple Card and the XXXX XXXX card from XXXX. Specifically, it is too difficult to reconcile charges on the card issuer 's statement with what was actually purchased with the card. 

The XXXX card lists purchases from XXXX as " XXXX '' and Apple similarly lists purchases from Apply as from " Apple.com '' Like many people, I make purchases from both Apple ( ongoing Apple Store content subscription items like the Washington Post or XXXX ) and XXXX ( virtually everything ). In order to reconcile the statements with my charges, I need to go into the XXXX or Apple web site and try to match each charge on the statement with something I ordered. And I can only do this by amount of each charge or an order number, since what I purchased is usually not even hinted at on the statement. 

Sometimes this is impossible, because XXXX sometimes does not record a purchase in its order listing ( e.g. the annual XXXX fee ) and XXXX inexplicably omits items on the statement from the transaction listing in the Apple Card app. For example, on my last statement, a purchase of a charger from the XXXX store appeared on the statement, but not in the transactions listed on the Apple Card app. 

Finally, while XXXX has a search feature on the " Orders '' page of its web site, when I use it the search feature tells me only that there are some matching entries to the order number, but won't tell me what they are. So either the web site has a problem or the search feature only works on certain unidentified browsers. 

This whole process is simply too opaque and time-consuming to the consumer if one simply wants to make sure all the charges are valid. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Please see the attached document for reference to the facts of this case. Equifax has grossly and willfully caused damages and injury to the Complainant in numerous ways encompassing a violation Federal Law - i.e., by knowingly violating the relevant provisions of the FCRA repeatedly with a blatant disregard to the rights guaranteed the Complainant. 

It is now XX/XX/XXXX, and since XX/XX/XXXX, Complainant has submitted AT LEAST 7 consumer disputes of inaccurate information, and subsequent requests for the method of verification in each instance, totaling at least 7 DISPUTES of INACCURATE information being held and disseminated FOR PROFIT by Equifax. 

Equifax willfully, knowingly, and without being able to show true verification or validation of ANY of the disputed information, has and continues to violate the provisions of the FCRA to the direct injury of the Complainant. NOT ONCE has Equifax, since XX/XX/XXXX, shown or provided at the request of Complainant, supporting documentation or otherwise evidence required to permit the disputed information to REMAIN on the credit file, therefore it MUST be deleted IMMEDIATELY based on this repeated failure alone. 

Complainant is seeking assistance to COMPEL Equifax to OBEY FEDERAL LAW and immediately, without further undue DELAY under the guise of an " investigation, '' to promptly DELETE EVERY DISPUTED ACCOUNT at issue that is outlined in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
On XX/XX/21 a payoff request was made by my new lender. After a week of not getting one from loancare llc, the new lender requested that I call to get a payoff. I made a request online XX/XX/21. I then called for a follow-up XX/XX/21. I was told it tastes two business days. I called again XX/XX/21, got nowhere and was hung up on. Most recently, I called again XX/XX/21, and spoke with XXXX. Her ID was XXXX. She told me it's going to take 3 more business days, she promised I would have the payoff by XX/XX/21. Their agents lie just to get you off of the phone. They are misleading, and but to be trusted. 

Loan Care never answers the phone in a timely manner. It always takes hours on hold to reach them. When they are overly busy, which is always, they route calls to " loss mitigation '' ... So you end up in the wrong department. Then you get to wait again for them to transfer you.

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 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been using the American Express Serve card for several years. On Thursday XX/XX/XXXX I received an email that my account was suspended indefinitely. The only explanation I received was I violated one of their terms under section 15d. I had a substantial amount of money in that account. In the last week I have called customer service ( with hours of wait times ) to be told they cant see anything and dont know why it was closed. They informed me to mail a letter to a PO Box in Georgia ( which I did and was received on XXXX ) I emailed corporate offices through Amex and was finally told the company XXXX would not clarify to them why it was closed. I have also filed a complaint to the XXXX  XXXX  XXXX. My next step is a lawyer. This is outright robbery and complete unethical banking. I want my balance mailed to me in a check. That is my money to live on!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received notification from Navient stating that my loan was leaving forbearance and would be due in approximately 30 days. the letter was dated XX/XX/XXXX. In XXXX I received notice stating that my account was 30 days delinquent and a double payment would need to be made. I contacted navient directly and after an extended phone call including a supervisor and a representative It was agreed that there would be a payment plan of three payments to bring the account current and the delinquency notices would be stopped. this did not happen and my cosigner has told me that they are receiving calls regarding my account after my phone call and agreement with Navient and it appears that navient has also erroneously applied a payment they sent for another account to my loans instead. I was unaware of this extra payment until today, XX/XX/XXXX when I called them to ask why I received another delinquency notice today when we were on an agreed payment arrangement that was supposed to stop these communications. 

their system has had these same issues for the entire time I have been in repayment. they will send a notice that magically isn't reflected in their system, but will show that instead a statement was sent during the time the loan was on forbearance and no account payment due documents should have been generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I've contacted SunTrust and raised the issue with whomever called me back however there's no potential resolution at their level. 

SunTrust is not reporting mortgages in forbearance as " delinquent '' to the credit agencies - that's in accordance with the existing regulations. However, SunTrust is in fact putting a " delinquency notice '' on mortgage statements that harms consumers attempting to secure loans in the lending market.

Imagine customers who are economically disadvantaged or historically disenfranchised ( minority populations ) who already struggle to get loans only to have their application require a current mortgage statement from SunTrust that says at the top of it " Delinquency Notice ''. SunTrust is putting, in effect, a Scarlet letter on their mortgage statements and it eliminates consumers ' chances to be approved. I've been told that directly by loan processors and underwriters.

SunTrust needs to amend their mortgage statements and remove those delinquency notices from them. I'm fortunate that I have resources and can work around these kinds of tricks that mortgage companies play however it's wrong and harmful to other 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 2021-04-02 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: OH

Complaint narrative:
Please see the attached document for reference to the facts of this case. Experian has grossly and willfully caused damages and injury to the Complainant in numerous ways encompassing a violation Federal Law - i.e., by knowingly violating the relevant provisions of the FCRA repeatedly with a blatant disregard to the rights guaranteed the Complainant. 

It is now XX/XX/XXXX, and since XX/XX/XXXX, Complainant has submitted AT LEAST 6 consumer disputes of inaccurate information, and subsequent requests for the method of verification in each instance, totaling over 12 DISPUTES of INACCURATE information being held and disseminated FOR PROFIT by Experian.

Experian willfully, knowingly, and without being able to show true verification or validation of ANY of the disputed information, has and continues to violate the provisions of the FCRA to the direct injury of the Complainant. NOT ONCE has Experian, since XX/XX/XXXX, shown or provided at the request of Complainant, supporting documentation or otherwise evidence required to permit the disputed information to REMAIN on the credit file, therefore it MUST be deleted IMMEDIATELY based on this repeated failure alone. 

Complainant is seeking assistance to COMPEL Experian to OBEY FEDERAL LAW and immediately, without further undue DELAY under the guise of an " investigation, '' to promptly DELETE EVERY DISPUTED ACCOUNT at issue that is outlined in the attachment.

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 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: NC

Complaint narrative:
I recently reviewed my credit file and noticed that a debt collector that goes by the name " Plaza Service '' was reporting a debt for a lending company by the name of " lendmark Financial ''. I was a victim of identity theft and this account was opened up fraudulently and was resolved with the original creditor. However, Plaza Service continued to harass me about the debt. The debt was reported by Plaza service to my credit file on XX/XX/2021.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
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 explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
XXXX sent in 3 payment one of the 3 was lost in ACH customer service rep stated. Still no credit for that payment. Now sent in a bill pay payment on XX/XX/XXXX delivered on XXXX XXXX Freedom Mortgage had a verbal confirmation from XXXX XXXX XXXX that money was send on XX/XX/XXXX. Spoke w several CSA/Supervisors. Payment is missing! 
{$2000.00} payment can not just be missing. 
I need HELP! This is so in professional and quite frankly just bad business. I know for a fact I am not the only one having this problem!

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 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After 30 years with the bank ( Bank of America ) we receive a letter telling us that they are no longer allowing mortgage loan broker checking and XXXX Trust accounts. When asked why, they said that it does not meet their risk criteria.

In our State of California, a Department of Real Estate licensed XXXX  is required to have a XXXX Trust account which the XXXX  deposits and manages funds on behalf of a beneficiary. This is a business checking account. The account must have FDIC coverage or XXXX, etc. The account must be titled with a Trust account in our name. No separate Trust agreement is required as it is outline in California Business and Professions Code Section 10145 ( a ) ( 1 ) and Commissioners Regulations 2832 ( a ).

We approached approximately 6 other Federally Charted Banks in our City and were told they are not opening Trust accounts for Mortgage Brokers.

This will limit consumer choices in obtaining loans and stifle competition.

The bank has no cause to close our accounts and give us notice of less than 30 business days. 
Other mortgage XXXX I am told get around this by telling the bank they are real estate offices with salespersons, not mortgage XXXX. This is lying to the bank which we do not believe is a good way of doing business or ethical.

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 2021-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: PA

Complaint narrative:
True Accord tried to get my information. Said I owed a company I never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: MA

Complaint narrative:
I recently entered into a transaction to buy a home inspection and was charged a cash advance fee and interest for the transaction. Chase is changing the definition of " cash like transactions '' such that as a consumer, it is difficult to discern what will be a cash advance at the time of the transaction, and if we will be charged a fee and interest at the time of sale. These " cash like purchase '' will include buying cryptocurrency or peer to peer transfers using commonly used applications like XXXX ; where at the time of purchase, the consumer will not know they are entering into a cash advance. I've reached out to Chase to try to block all future cash advances in the future so that I will not get unexpected charges, and they do not have the ability to do so. I am forced into a situation where whenever I use my credit card to purchase something, I am unsure if it will be considered a " cash like transaction '' and be charges an inordinate amount of fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: NM

Complaint narrative:
This company is reporting to all three credit bureaus ( XXXX  and XXXX ) on my consumer credit report multiple conflicting and inaccurate information, including various account types, dates, credit limits, and payment history. The mentioned credit bureaus are also reporting these inaccuracies. I have requested proof with a signed contractual agreement from the company and disputed these inaccuracies with the credit bureaus but received vague verified responses with no proof and continued attempts to collect. It is my right as a consumer to dispute any and all inaccuracies and request appropriate validation of any accounts. These inaccuracies are in violation of the following laws : FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre ; US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan ; FCRA Section 623 ; CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 ; and FCRA Section 611 Part ( A ) ( 1 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: FL

Complaint narrative:
I applied for mortgage loan back in XX/XX/2020 with XXXX XXXX. There was a credit inquiry posted on my report from Credco. This is understandable. However I checked my report again later and I saw an additional inquiry from XXXX and 2 more credit inquiries in XXXX from the same company. There was no new application there was no authorization for these credit inquiries. I did not authorise anybody to check my credit in XX/XX/2020.

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 2021-04-02 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: NY

Complaint narrative:
I submitted a dispute to TransUnion about a bankruptcy being reported on my credit report. I contacted the Bankruptcy court prior to submitting my dispute with TransUnion. I wanted to clarify whether or not the courts y reported negative information to TransUnion and the XXXX XXXX  assured me they do not report any information to any credit reporting agencies. 
I received a letter from TransUnion on XX/XX/21 with the results of the dispute. The letter states the item was verified as accurate, however they do not identify the name of the agency they verified the accuracy of this item.

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 2021-04-02 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: NC

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation