vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: KY

Complaint narrative:
In XXXX of XXXX I noticed my credit report showed a new collection from a company called Merchant Credit Gui. in the amount of {$220.00} to a medical account with no information provided. 

I immediately contacted the collection agency that was named in collection account, on my credit report, via the address provided. I sent them my initial letter in XXXX of XXXX initiating my DISPUTE. Thirty days after I initiated my DISPUTE with this company requesting a FULL INVESTIGATION, they never responded. Furthermore, I did advise them that they were in violation for first of all not annotating on my credit file, that this account was in DISPUTE, which they never did, and they didn't respond to my letter as well. 

On XX/XX/XXXX I reached out to them yet again, via Certified Mail SN # XXXX XXXX XXXX XXXX XXXX, which in fact was my SECOND letter to their office regarding this inaccurate entry on my report. I requested that they again, either investigate these charges for validity and provide me with this information, or delete this entry from my credit file, which still wasn't marked as being in DISPUTE and they haven't responded. 

As of XX/XX/XXXX, I wrote them yet again, via Certified Mail SN # XXXX XXXX XXXX XXXX XXXX, asking them to please do the right thing and remove this account that is being reporting in violation of the law and its inaccurate in its entirety. I also provided the SN # XXXX XXXX XXXX XXXX XXXX and the time stamp it was received which was XX/XX/XXXX @ XXXX, and all this still with no response, yet they continue to report this account. 

This is causing a major problem for me personally, and has hindered my family from acquiring the financial products that we need to purchase our first home. I have given them more than enough time to validate the information, and if nothing else to at least mark this as DISPUTED which they have not. I need this information REMOVED/DELETED off my credit reports immediately. There is no validity to this alleged account and they can not validate themselves. 

In closing, I am requesting that you have them remove these inaccurate entires on my credit reports without prejudice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX My wife had to have a procidure and my regular insurance did not cover it and the Doctors office while my wife was there told us about Care Credit, So we proceded to give them our credit information for the procedures that came to {$3000.00} and when we finish were aproved and the terms as to there promo was 24 months payment of {$150.00} wich included interest for a total of {$3600.00}, During our payment Schedule in XXXX, we came in to the pandemic and care credit C/S call us to see if we wanted to take advantage of a one month payment deferment and we accepted and no mention of penaltys, We continued to make our payments untill XX/XX/XXXX and further, In XX/XX/XXXX, after making the payment we called Care Credit C/S because we notice that we had made all our payments and we should of had no Balance and they proceded to tell us that we had a penalty of {$2000.00} for not paying or making our last payment on time in XX/XX/XXXX All thought our last payment was to be in XX/XX/XXXX because they gave us a one month deferd payment as mention before about the pandemic.Now as mention ( Check off ) before above we have tried to resolved this with Care Credit and there BANK, with no success, We will try to attach our recipts and our payment records with this form if not we shall mail and hope that your office can assit us in this matter .. T/Y

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 2021-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: IN

Complaint narrative:
Westlake Portfolio Management purchased my loan from XXXX XXXX in XX/XX/XXXX. I think XXXX went out of business. From the first statement an additional {$3000.00} was added to my loan balance. It still appeared after my 72nd payment of the 72 I had contracted for. 

On XX/XX/XXXX, I sent a letter to Westlake asking for my title after the 72nd payment and why there was an additional {$3000.00} on my account in the form of a balloon payment. I never agreed to any balloon payments nor was there any in the original contract I signed with XXXX XXXX. 

Since XX/XX/XXXX I have called twice and sent an additional letter in mid XXXX asking for copies of the documents proving the legal existence of the additional {$3000.00}. 

As of today XX/XX/XXXX, I have received NOTHING from Westlake related to my lawful request. By not providing the requested documentation, Westlake is in violation of the law. 

I think Westlake is running a scam

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  was notified that there were duplicate and unauthorized inquiries on my credit report over 2 months ago and have not done any investigating or correction of error. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were all unauthorized XXXX XXXX- are duplicate inquiries both dated XX/XX/2020 XXXX  XXXX are also duplicate inquires As a result, I was recently denied credit due to the number of inquiries on my credit report. 

XXXX has received several documents regarding this issue and yet no resolve

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
In XX/XX/2019, my wife and I purchased a washer and dryer from Bestbuy using a CitiBank issued Bestbuy account. At the time of the purchase, we called the Customer service center because my wife could not remember her credentials to access the account online. They told her what the due date for the payments would be and helped her reset her account credentials. She then went to our banking site and setup a reoccuring payment from our checking account on the date she had been provided ( XXXX of each month ). 

Unbeknown to us, when she access her account online, it defaults the option to receiving electronic statements via email ( unless you uncheck a box somewhere ).

Out of sight, out of mind, a year passes and we never think about the account. It occurred to me when reviewing our bill pay, that we may need to check what the outstanding balance was on that CitiBank/Bestbuy account, as we had opted for an 18 month no interest payment plan. 

When my wife logged in, she was shocked to discover that each month since last XXXX, CitiBank had been charging a {$40.00} late charge for the payment being received on the XXXX, vs their now stated XXXX due date. So for 11 months, they had taken {$430.00} ( +/- ) in fees for a payment that they now claim was arriving 3 days late every month. 

At no time has a letter been sent, a phone call made, nothing aside from emails that ended up in a spam folder informing us ( since we had no idea we had been enrolled in electronic statements ), that a statement was available online.

When I called them, they curtly informed me that there is ZERO grace period, a single minute past their due date results in a late payment. They did offer very graciously to remove 2 of the 11 late charges that had been applied, which they did.

This is TOTALLY unacceptable and likely criminal. You force a change to electronic statements, then those who don't aren't aware don't even know they need to dig those notifications out in order to go download monthly statements ( because you aren't made aware that you have signed up ). This is deceptive practice. I would be VERY interested to see how much they are making by preying on the unwary and unassuming 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 monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: WY

Complaint narrative:
We started a loan application on XX/XX/XXXX with Sun West Mortgage Company , Inc. NMLS XXXX. 

The loan officer did not tell us that the company could not make a loan on a property with more than 2 units. Upon learning this we changed the application to our home at XXXX XXXX XXXX, XXXX, WY and sought a partner to complete the purchase. 

On XX/XX/XXXX the loan office made the first loan estimate with the wrong address. ( XXXX XXXX XXXX, the purchase property. ) On XX/XX/XXXX the loan estimate was corrected to XXXX XXXX XXXX. 

On XXXX Sun West put an unlicensed " loan coordinator, '' XXXX XXXX between me and the loan officer, XXXX XXXX, NMLS XXXX. 

All documentation of our finances were submitted by the XXXX of XXXX. 

On XX/XX/XXXX Sun West issued a Closing disclosure with a funding date of XX/XX/XXXX but with their closing agent instead of the one we had selected knowing ours would cost less as a local XXXX XXXX XXXX office. We ask for a correction. 

On XX/XX/XXXX XXXX XXXX, NMLS XXXX Notified me that he had been substituted as my loan officer. 

On XX/XX/XXXX I notified XXXX XXXX that XXXX XXXX kept asking for uploads of our financial documentation that had already been uploaded. XXXX replied, " Yes, XXXX XXXX is your Loan Coordinator. Have a great day! '' ( I believe XXXX XXXX quit because of this addition of XXXX in the mix ) By this time we had extended our closing 3 times and the seller made a hard closing date of XX/XX/XXXX. 

Sun West made an error on the Closing CD to XXXX XXXX XXXX and it had to be returned to Sun West for correction. 

Subsequently, Sun West notified the XXXX XXXX XXXX closing agent that the loan could not be funded until XX/XX/XXXX. 

From the first funding date of XX/XX/XXXX and XX/XX/XXXX there was plenty of time if I had been working with an NMLS loan officer to get this loan to the closing agent with a funding prior to XX/XX/XXXX. 

This stall had the nefarious affect of indicating that a borrower must accept the Sun West closing agent if they want a timely closing on a loan. All borrowers should be informed that Sun West will not say the can not do the loan but will delay to get the word out to Realtors to advise their clients to accept the Sun West closing agent and their nearly double closing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a charged off American Express account that I am trying to take care of. 

I have been working with American Express directly and one of there collection agenecies out of XXXX called XXXX XXXX, I believe. 

I have been trying to reach a settlement agreement with them for quite some time since XX/XX/XXXX till today XX/XX/XXXX. 

I have been offered as low as XXXX to settle the account but they will not put the settlement in writing. I have been told numerous times by American Express representatives that I have to agree to an immediate check by phone and then they will send me the terms of the offer. 

I have explained to them I would like to know what Im agreeing to before paying them. I believe this is a violation of the truth and lending act, due to the fact the will not put the offer in writing. 

Further more I was threatened with legal action several times as well, with Im not sure they actually have the intention of doing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
When I established my Robinhood ( RH ) investment account, I funded it with a direct XXXX XXXX wire transfer. From my XXXX XXXXXXXX XXXX ( XXXX ) to Robinhood. There were two transfers : XX/XX/2020 {$100.00} and XX/XX/2020 {$1000.00} for a total of {$1100.00} which was used to make two purchases of XXXX and XXXX stock. Subsequently, those stocks were cashed in and then the trouble began. Once my RH account had waited for the monies to clear and be available for withdraw ( back to the original XXXX that funded RH ) I attempted the transfer and was given an error message 'Account withdraw disabled '. I reached out via email ( the only way apparently to contact the RH ) 1st attempt XXXX Case # XXXX and again on XXXX Case # XXXX. Both requesting RH remove the bank restriction so I'm able to complete the transfer but I've never gotten anything other than an automated email response saying they received my email, some hyperlinks suggesting self-help, and if further help is needed to respond. I have to in both cases responded additional help is needed yet no further follow up or response from RH has occurred. My monies are still trapped unable to be withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
They keep calling us too many can you stop this call

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello there, I had a credit line of {$5000.00} and I called in to get permission to get approved for a large purchase and Chase said you can shop with confidence as we no longer request a heads up for large purchases. 

My card was declined and I was sent an email stating Chase lowered my credit from {$5000.00} to {$1000.00}?!? 

Whats happening?! Ive never been late!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: MN

Complaint narrative:
I recently started using a new voicemail service and since then, have been receiving calls from Discover Bank on average ever 2-4 hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in the process of obtaining mortgage approval. My mortgage lender XXXX submitted a rapid rescore to Experian on Monday XX/XX/2021 with supporting documentation to have inaccurate late payments removed on my credit report. On Friday XX/XX/2021, XXXX was notified from Experian that they did not accept the written documentation and is refusing to deleted the inaccurate late payments and update my credit report. This is documentation directly from the creditor stating that the late payments are to be deleted because they are reporting in error. XXXX  and XXXX  have already updated my report but Experian is still refusing to do so. I can not open a dispute due to my closing date happening in less than 1 month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX/XXXX  and XXXX XXXX XXXX accounts continue to reappear on my credit report after being disputed and resolved as being removed and deleted from my credit report from TransUnion. It had caused me adverse actions and obtaining the appropriate credit I deserve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX and BB & t accounts continue to reappear on my credit report after being disputed and resolved as being removed and deleted from my credit report from XXXX. It had caused me adverse actions and obtaining the appropriate credit I deserve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: NV

Complaint narrative:
On XX/XX/2021 I received a phone call stating XXXX XXXX XXXX XXXX XXXX was attempting to serve me with paperwork that they were taking me to court. They stated that unless I paid their settlement amount or agreed to enter into a payment arrangement of {$200.00} per month for 10 months they would sue me in court. Also stated that they have a tax return offset against me and were in the process of filing a wage garnishment with my employer already. The debt was for {$1000.00}. I have paid a settlement offer with the collections company that is listed on my credit report, XXXX XXXX XXXX XXXX, when I spoke to the representative there, they stated that they have not heard of the other company, and that it is illegal for them to state that they have a tax return offset and that they were filing a wage garnishment form with my employer without a judgement against me. I contacted XXXX XXXX, who stated he is the manager of XXXX XXXX XXXX XXXX XXXX, today XXXX XXXX at XXXX XXXX PST and he stated that the collections company does not own the account even though they are the only one reporting to my credit reports and that they are going to serve me with papers and that they have the legal right to pursue tax return offsets and wage garnishments prior to a judge hearing the case. The phone number for XXXX XXXX XXXX XXXX XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX signed for my certified letter requesting validation of a closed account by guarantor. Also asking why they closed my good standing account. This account was closed by XXXX on XXXX of XXXX in good standing and have been reporting payment amounts due and late payments on this closed account to all bureaus. I have received NO response from XXXX or ANY of the three credit Bureaus. I've sent certified letters to Experian on XX/XX/XXXX, NO RESPONSE, XX/XX/XXXX NO RESPONSE, and most recently XX/XX/XXXX, NO RESPONSE yet. XXXX  on XX/XX/XXXX, XX/XX/XXXX and most recent XX/XX/XXXX NO RESPONSE yet. XXXX  on XX/XX/XXXX, XX/XX/XXXX and most recent XX/XX/XXXX NO RESPONSE. Yet I have received another late payment post to my credit reports by XXXX XXXX XXXX. I have asked both XXXX, Experian, XXXX  and XXXX  to remove these inaccurate, false, and illegal information from being reported. I am being ignored and my credit is suffering because of it. I've worked really hard to maintain my good credit and this inaccurate information is hurting badly.

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