vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony and Amazon credit card illegally authorized a charge to their card without my permission in the amount of {$36.00}. I use my default method of payment on my XXXX card. I contacted them and spoke to a customer service rep and explained that I didn't authorize it and don't use that card because the interest rate is way to high at over 25 %. and haven't used it since 2018. I filed a complaint with Synchrony disputing the charge. They refused it. I wrote to them again explaining that I did not authorize the charge. I was told by the customer service rep in my phone call which was recorded that occasionally when they make updates that my default card is changed back to their card! This is illegal. I am not paying for something I did not authorize. I want this corrected by Synchroncy, I want them investigated and proper action taken against them.

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 2021-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX I initiated a {$30000.00} wire transfer from my personal bank account to Binance.US ( XXXX XXXX XXXX ) for deposit into my account. 
Shortly after the first transaction my account was XXXX with no notification or reason as to why there was a discrepancy. 
I was as a result have been unable to buy, sell, trade or withdraw both fiat and crypto currencies since after the first transaction initiated on XX/XX/XXXX. This includes withdrawing the money deposited to the institution back into my own account from which it was originally sent. I have had several smaller deposits and had funds prior to the wire transfer on XX/XX/XXXX. 
After waiting a day to perhaps allow the wire transfer to settle, I opened my first ticket attempting to resolve this matter on XX/XX/XXXX - ticket number XXXX Here are the following subsequent tickets attempting to seek resolution : XX/XX/XXXX - ticket number XXXX XX/XX/XXXX - ticket number XXXX XX/XX/XXXX - ticket number XXXX XX/XX/XXXX - ticket number XXXX XX/XX/XXXX - ticket number XXXX I was finally given a canned response for a request of info from XXXX at binance.us support that my account was suspended due to security measures - ( a PAID wire transfer from my personal bank ) and inorder to unlock my account I had to validate bank account ownership. I complied and sent the information that was on XX/XX/XXXX Two tickets were opened after I sent the requested information with no movement so I opened more and heard back on XX/XX/XXXX to send essentially the same information that was already sent. So I complied and sent again later that evening on the XXXX. 
It is now a month later since I have sent the validation information, twice. 

I am still unable to access my property/assets being held by BAM Trading and Binance.US, NMLS ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: MD

Complaint narrative:
XXXX  and TransUnion are reporting XXXX XXXX account on my credit report as being included in a Chapter XXXX bankruptcy. I have disputed this inaccurate information with both credit reporting agencies and they both came back and said that the information had been verified. Meanwhile XXXX XXXX sent me a letter stating that my correspondence does not provide sufficient information to investigate my dispute. Which means that XXXX  and TransUnion did not do their due diligence and are still reporting information as being verified but it is not accurate. This failure to truly correct this inaccuracy has caused me an undue hardship. I am attaching my documentation received for you to review.

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 2021-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I, XXXX XXXX, received a letter from Chrysler Capital on XX/XX/2021, stating that I allegedly owe an amount of {$33000.00}. Within this letter, several consumer violations were found. On XX/XX/2021, I sent a debt validation letter and also a cease and desist letter pursuant to 15 USC 1692c ( c ). Chrysler Capital has still sent recovery trucks to and around my residence, which is a form of communication, which is a direct violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
XXXX  received my identity report and still reporting a collection that dont belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I started a refinance of my home located at XXXX XXXX XXXX, XXXX Az with NewRez LLC who services my mortgage currently at their request by email in XX/XX/XXXX. The first loan application loan # XXXX went inactive because NewRez system inactivated the loan because they didn't do anything with it. I had paid XXXX dollars for an appraisal that was never done. The second loan was started in XX/XX/XXXX loan # XXXX and NewRez took more money for an appraisal out of my Bank account again. After threats of criminal charges being files against the loan Officer XXXX XXXX, the money for the second appraisal was returned to my account. The appraisal for the property was finally done late XX/XX/XXXX and filed with NewRez on XX/XX/XXXX. The loan did not proceed. In the mean time I was served with a Divorce Action from my wife. NewRez was informed of the court papers fully. Nothing happened with the loan even with numerous phone calls and emails to the business. I filled a complaint with the XXXX XXXX XXXX in XXXX  DC. Then NewRez gave me a conditional approval with a request to have a copy of the Final Divorce Decree. The Decree was supplied on XX/XX/XXXX, and additional financial documents they requested. A loan processor was assigned identified as XXXX XXXX who emailed me him being assigned as the loan processor. I have made many attempts to call and email him. He never answers his phone or answers emails. I was contacted by XXXX XXXX on XX/XX/XXXX, by her calling my cell phone. She told me she was working with Mr. XXXX and she wanted additional financial documents that have been supplied numerous times before. She wanted current documents and I supplied them via the internet. Still no action on the loan application even though it had been approved with conditions that had been met. On XX/XX/XXXX I emailed Ms XXXX and asked why the loan was not proceeding. She emailed me back to contact the Processor Mr. XXXX with any concerns. I emailed him on XX/XX/XXXX and still no answer. Mr. XXXX has never responded to emails or phone calls. I do not know how to get this company to finish this refinance and get the loan documents to me to sign. They are avoiding any actions in regards to this refinance and there is no reason it should not proceed, I check their web site with my account daily to see if they have any requests or actions and nothing is seen. I need help getting this to proceed, This refinance has cost me time and money with little or no actions of this mortgage company. Can anything be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
It has been since XXXX XXXX since this account has began. Navy federal is just now closing this account on which is does not belong to me. It was reported as closed on XXXX XXXX. It had been charged off due to non payments. I have received multiple complaints, multiple phone calls and threats to continue to harm my credit report if I do not comply. This is not my account. I am requesting this account be removed due to old account of over 8 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am the claimant of my deceased brothers count at BoA. He passed away two years ago. Since that time I have been working with Bank of America to close his accounts out and return those funds to his estate. In that time I have filled out paperwork with them, had it notarized, returned it to them per their instructions. I have made multiple phone calls trying to understand what is required of me to close my brothers account. I continue to get the runaround and the bank continues to hold on to my brothers funds. When I use their website, I receive warning issues saying the site functionality is unavailable. When I speak to them on the phone, and follow up again via phone, I am told there are no records of our previous conversations. I believe that Bank of America is taking advantage of me given that I am over sixty-five by employing deliberately ambiguous and abusive practices. They are certainly unfair.

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 2021-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This account of {$1000.00} has been closed as of XX/XX/2012 recorded as paid in full. I have requested multiple times of a removal from my credit report due to it being closed and not reported since it has been 8 years and 8 months and it still shows closed, paid in full on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: Credit Karma, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I first reached out to Credit Karma about the incorrect information being displayed for my Driver License and state of residency under their application. They reached back and stated that they would close my account to prevent any fraudulent activities and to reopen it I would need to send documents like Driver 's license and SSN for verification. After completing the process the information remained on my account as I waited for 2 months for any changes to take affect. I later reached back to Credit Karma on XX/XX/XXXX about the same issue and stating I never even resided in the state where they had on file for drivers license and that they were clearly mixing up my information with someone else of maybe similar names. On XX/XX/XXXX I reached out to credit karma again about the numerous attempts of resolving this issue and finding out there source from whom they get the information to try and dispute with them. On XX/XX/XXXX they responded claiming that there has not been any changed because they receive their information from XXXX  and that they can only update as soon as XXXX  updates there information. On XX/XX/XXXX credit karma reached back stating that the information regarding my XXXX  listed on there application is tied to the address entered on my Credit Karma account and also the states Motor Vehicle Commission. Conversations continued back and fourth for months me reaching out to XXXX, XXXX, XXXX, and even my local XXXX, to correct any information that may have been on any of those records. I reached back to them on XX/XX/XXXX stating I did all the above including receiving driver 's abstract from XXXX and none of the information they had matched what Credit Karma was displaying. They later replied on XX/XX/XXXX stating the information they had came From XXXX records and because of that they were unable to edit that information. Clearly this has gone no where now for almost 2 years and I need help your help hopefully resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XXXX XXXX 2019 I co-signed on a car loan for my son. I am a XXXX  and already had two other car loans and honestly didn't think they would allow my info. to be used based on already low credit and obligations, but somehow they did. I should have known it would have turned into the nightmare it has. He has defaulted, had a major accident and total loss of vehicle. Aside from that, I want to be released off the loan for the following reasons which I have already tried to address : There was a Multi-state judgement against Santander Consumer USA Inc., which Chrysler Capital is under license with and tried to reach out to Santander, Chrysler Capital, XXXX XXXX, and the XXXX XXXX XXXX XXXX for help for clarification about status of where I would fit into this class action suit as I clearly ( possibly my son ) fit into the stipulations as a party defendant. I have not heard anything, but instead get upwards of 8 phone calls a day from Chrysler Capital and hits on my credit report constantly due to this defaulted loan. I would simply like to be released as a co-signer on the loan as this loan was upside down from the beginning and fits all definitions of a predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC
State: TX

Complaint narrative:
Please be advised I requested validation of said stated debts from listed debt collector ( s ). I received a response that clearly violates my HIPPA rights. The collectors did not provide me with a HIPPA release that releases my medical information to them, therefore by providing such information these companies this company is in violation of my HIPPA rights. Documents were received in response to a dispute asking for validation in which the listed company have not provided me the services, charges, and cost WITH a signed HIPPA release. 
- On XX/XX/2021 I received a letter in an attempt to validate a best from company Credit service company , INC for an alleged debt amount of XXXX . XXXX XXXX XXXX XXXX  XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: NY

Complaint narrative:
Spoke with XXXX XXXX about this hard inquiry on my equifax report, I dont have account or have credit or inquiry for XXXX XXXX in their system. 
Spoke with equifax to please remove hard inquiry multiple times they continue to report it on my equifax, XXXX there is no hard inquiry but equifax continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
The company Paragon Revenue Group is in violation of my HIPPA rights, I mailed them a letter to remove all information off my credit reports due to the fact they were in Violation of the HIPPA Law. They have a DBA ( DBA Paragon Revenue Group ) which is on my report as off now showing as verified and accurate but it is not accurate nor mine. i need this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am POD/POA on an account with my father at Wells Fargo. After his death, I called customer service and sent then all the requested documents which were the Death Certificate and letters of Administration from the Surrogate 's Office. A month and a half later, I received an email stating my request to close the account and release the money had been rejected and they asked for additional forms. I sent those items by XXXX, but have had no response for over a month. They continue to hold over {$50000.00}.

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 2021-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
A collection from Harvard Collection appeared on my credit report in the amount of {$1700.00}. The original creditor is listed as XXXX XXXX XXXX XXXX XXXX. I have no knowledge of this debt and have not lived in the state of IL sinceXX/XX/XXXX, 11 years ago. I have had no communication from either entity for the last 11 years regarding any such debt. 

I have disputed this debt on the XX/XX/XXXX website and will also dispute it with the other two bureaus by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: VA

Complaint narrative:
The XXXX XXXX XXXX account is not past due. The account is under investigation pursuant to The Fair Credit Billing Act ( FCBA ) which lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute.

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 2021-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am an occasional XXXX XXXX. XXXX debited my checking account {$99.00} for a XXXX XXXX fraudulent return of a polished chrome soap dispenser - a return that I did not authorize and in fact to which I expressly objected. The XXXX returned the product that I had XXXX as new in a used or damaged condition. XXXX, through its offshore contract agents, refuses to return the funds to my checking account at Bank of America. I have logged on to my Bank of America account and there is no option to dispute the debit.

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 2021-04-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX. 

I repeat this is XXXX XXXX XXXX, no one else. So Experian stop the third-party mess. 
CFPB, I'm attaching too much information for you not to see it's not me the credit reports that I have attached are mine, not a third party. So review them and remove the identity theft from my credit report. 

I have sent to Experian my XXXX and XXXX credit reports/files that show, I had identity theft on my credit report. For some Experian still has on my credit report and item on my report that was due to identity theft and as you can see from the attachments XXXX and XXXX have removed the item. I have attached the proof that XXXX and XXXX removed the alleged debt from my credit report because it was identity theft. I have also sent a copy of my driver 's license and social. I XXXX XXXX XXXX is requested this no one else and my id can verify who I am. My ask is that unless Experian can send me the original signed documents for the alleged debt and how did they verify the alleged debt since it's identity theft? If they can not please removed it from my credit report/file as XXXX and XXXX have done. 

CFPB can you look into this matter and my next steps will be to seek legal actions

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