vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 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: FL

Complaint narrative:
XXXX XXXX XXXX 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 2021-04-06 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
JPMORGAN CHASE did not do an adequate investigation into my complaint no. XXXX. I requested copy of disclosures, or affividits in this complaint but cfpb did not attempt to get from merchant before closing the case. The affividits must explain decision making stating " Whether their is a destination, from a layman consumer, like myself, Whether it was sufficient to convey how a hard inquiry vs soft inquiry into ones/my credit report would affect the consume or my credit rating. The letter responding to my complaint was complied with. Also, the 30 dy late trameline is in error. See weblink .https : XXXX? src=rss this article denotes large amounts of credit errors are occurring during COVID19. I think that it has been happening all along, just like so many social issue to can to light during COVID19. I incorporate by reference the attached letter sent to merchant recently on today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
There is a XXXX XXXX debt on my account that I do not remember owing, I have asked on several occasions for detailed billing and proof that I signed any contracts for the debt and they refuse to provide me any validation. I also did not receive a first notice letter. There is no way that I owe over {$3300.00} to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
CHOICE RECOVERY INC has been in clear violation of the FDCPA and FCRA. I will litigate if the account is not deleted, purged and removed from the system,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The purpose of the letter attached is to dispute the XXXX XXXX XXXXXXXX credit card suspension, the negative effect i has had on my credit report, and denial of a recent application. Please, see the letter an d credit report attached.

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 2021-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I received a letter from NewRez that my interest rate was going up. I received the letter about two years ago. The letter stated that my interest rate was changing from 3 % - 6 % to 4 % -9 %. I have contacted the company several times and was given the excuse of not knowing what my interest rate and that was the rate they were using for the loan. I have lost the letter they sent me for the change. I have tried to get a copy of the letter. They always tell me the letter is on the way but I have never received it. 

This company must have had some problems because they have changed names several time. My original loan was with XXXX XXXX. They sold the loan to Green Tree that became Ditech that became New Rez. When they purchase the loan the rate was 2.25 %. When XXXX XXXX wrote the loan the rates were dropping and the best way for me to get the lowest rate was to write it up with a variable rate with a 6 % cap. Every since Ditech / New Rez acquired the loan the rate has gone up. They have collected interest money outside the parameter of the contract.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I pulled my credit report and noticed that the spelling of my name is incorrect and there is incorrect/fraudulent information as well. Additionally, there is a credit union that has been sending me a statement every month, also with the incorrect spelling of my name, that shows I owe an outstanding loan with a balance of XXXX. However, on my report it shows that the account is closed and has been charged off as bad debt, profit loss write-off. The credit union 's information is not only incorrect but they themselves are also being deceiving and displaying abusive debt collection practices. I sent letters to all 3 credit bureaus and only one responded, stating that the information was verified and correct. In that letter the credit bureau also used the wrong spelling of my name! This is why they should be willing to absolutely verify and certifi-cate all information, show absolute proof and also provide the verification process that was used. You can seek a minimum of XXXX $ in damages per violation for : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act.

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 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US)
State: CT

Complaint narrative:
I received a letter in the mail from Allied International credit Corp. They claim that I owe {$100.00} from XXXX I have only ordered once from XXXX 3 years ago and that was paid on time. I checked with XXXX and I have no outstanding debts. This is a Scan. When I call the phone number I received a message saying that the phone Is no longer accepting messages and I should just pay online. Their phone number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
PayPal Changed their acceptable use policy after we had initially signed up, And canceled our accounts with out first warning us of the violation of policy, I believe it would have been in the best interest of both PayPal and the Customer that if there had been a policy violation to explain that it cant be done, Since the activities in and of themselves wasn't illegal. Now PayPal Has Put a Hold on customers funds that it has refused to do business with, Release the funds or reinstate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I'm locked out of my account, the App behaves poorly, doesn't do face ID regularly, invalid Pin ( even though I haven't changed it in 10+ years ). Worst banking account I have. All other bank accounts work perfectly no issues. 

I've complained multiple times so this needs to be documented. 

Automated system on phone doesn't let you talk to a representative anymore. Was easier to file this complaint took 10 minutes to get someone. 

Please have the IT department learn to code or do something productive. They are terrible at their jobs. All my banking accounts work fine except USAA. It's embarassing to be associated with this company at this point due to recent quality Issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
On the XXXX of XXXX I received a deposit XXXX usd into my Gemini account from a sale I made on XXXX XXXXXXXX since then Ive been trying to withdraw my funds since my bank was connected and verified already. I tried everyday but all my efforts seem futile everytime they tell me to link an account via XXXX and I do everytime. they access my bank information, a lot of my information and I can even see my bank details on the screen but after linking my bank it hits a dead end and takes me back to step 1 to link my bank to withdraw. So it seems like its impossible to withdraw my money and Ive been trying and sending emails but all I get after a while from the company is an automated response with irrelevant information from this company. I looked online and found out that countless people are going through the same thing that I am, and some have had their money withheld from them by Gemini for no apparent reason and with no contact at all for months. I dont really have the luxury to wait for months because I am in dire need of the money of my money and I feel like we are being abused by this company simply for being its customers. I even tried to buy some crypto with them which was successful. Putting money into Gemini is very easy but getting your money out is impossible because they wont let me even transfer the crypto that I had to buy into another crypto wallet. Any attempt at getting my money from my Gemini wallet hits a dead end. Theres nothing I can do and it is depressing and making me really anxious as if life is not hard enough right now. While Gemini keeps on twitting on XXXX they leave us stranded with out money in their hands locked away from us for no reason and with no explanation or communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am trying to correct some information on my report and have sent two letters to this bureau : the first was XX/XX/XXXX and the second was XX/XX/XXXX. I have yet to receive any responses despite the 30-45 day legal time frame they have to investigate and respond. The two accounts that need correction are XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX - XXXX which are showing a payment history that I do not believe to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.A.Rogers, Inc.
State: CA

Complaint narrative:
My identity got stolen around 6 years ago from my car with my wallet I am disputing the following fraudulent accounts that are not mine these accounts are fraud R.A. ROGERS INC COLLECTION ORIGINAL CREDITOR XXXX XXXX XXXX XXXX ACCOUNT # XXXX AND OPENED AROUND THE YEAR 2016 I am a victim of identity theft and I never opened THIS account again I am a victim of identity theft and i never opened this account its fraud. I am a victim of identity theft and this account is not mine. Fraudulent address XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My identity got stolen around 6 years ago from my car with my wallet I am disputing the following fraudulent accounts that are not mine these accounts are fraud XXXX XXXX XXXX COLLECTION ORIGINAL CREDITOR PENTAGON FEDERAL CREDIT UNION ACCOUNT # XXXX AND OPENED AROUND THE YEAR 2016 I am a victim of identity theft and I never opened THIS account again I am a victim of identity theft and i never opened this account its fraud. I am a victim of identity theft and this account is not mine. Fraudulent address XXXX XXXX XXXX XXXX CA XXXX

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 2021-04-06 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: WI

Complaint narrative:
on XX/XX/XXXX? XXXX I sent a letter to Experian and XXXX asking to provide me with documents that they were verifying as accurate on several accts. on XX/XX/XXXX it was submitted into dispute and on XX/XX/XXXX was once again verified as accurate without providing any information on how they verified this information. one of the account had been sold to a different source a couple years ago and I was never provided that information yet still appears on my credit profile. I sent a letter via certified mail stating to please provide me with MOV or I would be contacting CFPB

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 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Company XXXX XXXX XXXX law firm had me sign a stipulated agreement and through the process of paying my debt they would only accept check, money order or checking account number, no debit transactions. I tried with checking account number which in the beginning was ok but then I fell back on payments and they said it was in their policy to have to receive two checks before they can reinstate accepting payment through a checking account number electronically. I then asked why I couldn't just have them run it as debit, they said that's how their business is set up. I was told by their debt collectors at XXXX XXXX  XXXX that I may call the original lender to pay my balance through the lender since XXXX XXXX XXXX is the third party. I called the lender and they said the account is closed and XXXX XXXX XXXX is handling the account now, but why if XXXX XXXX  XXXX is defending td bank USA ( lender ), wouldn't the account still be open and it is my debt, and why need a third party? I've tried paying with money order after the problems I stated above and after four or six money orders sent, the last money order got lost in the mail. I had to cancel the money order and the money order charged a fee to process the lost money order and returned partial of what I sent to XXXX XXXX XXXX, this also made the payment late. XXXX XXXX XXXX also lied about me having more time to pay before the agreement ended which I never got in writing, and then they said I didn't have enough time the next call around. I can't trust XXXX XXXX  XXXX and I want to have the lender open the account again so I can easily pay my debt electronically with debit and not a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
In XX/XX/2018, I ran into some financial trouble and was threatened with repossession from Nissan motor acceptance corporation ( 2 months from loan maturity ). I made a XXXX payment and had less then 60 days in my amortization schedule and owed less than XXXX dollars on the total lease agreement. If you look at my credit report, my car was repossessed at only 30 days delinquency on the day before Thanksgiving XXXX XX/XX/18 with a minimal balance that I could of paid off if needed. When I called Nissan they said given how close I was to loan maturity I would not be given an opportunity to re instate my lease agreement. Please also keep in mind that the company took my car with numerous valuables to a random lot and I had to meet the person a person to meet him. There were also items missing. 

I then get a notice 12 months later that I owe a charged off account XXXX dollars, please keep in mind i paid 99 % of the payments on this lease agreement. I did not receive an itemized bill, all it said was " repossession expenses '' " miscellaneous damage ''. i have been trying to challenge this through the credit bureaus from some years now that my finances are healthy and i want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
Upon closing on my XXXX mortgage loan on XX/XX/XXXX, Ameris Bank set up my escrow account. Unfortunately from the beginning of the escrow setup, the estimated monthly payment was incorrect. At that point, I faxed and emailed, on at least 3 separate occasions, an updated copy of my Homeowners premium declaration page as well as a copy of my estimated property tax amount to Ameris. Today is XX/XX/XXXX, and this issue is still not resolved. I have spoken to at least 4 supervisors that inturn spoke with a supervisor or manager from the escrow department that informed them that week after week, an escrow analyst would be performed. I was told initially that the escrow analyst would be completed on XXXX XXXX, XXXX. I have been over paying into my escrow by hundreds of dollars every month. I have spoken to a research Escalation Specialist by the name of XXXX XXXX on 2 separate occasion and he initially promised that the analyst would be complete on or before XX/XX/XXXX. I have also spoken with someone in the research department by the name of XXXX who ensured me that the escrow analyst would be complete on or before XX/XX/XXXX. At this point, I have to take further actions to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Elder abuse case. I was defrauded out of $ XXXX thru Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
Dear CFPB, Re : Attached 1099-A Form From BSI Financial Services which appears to have been sent to us in error. 

Why did BSI Financial Services send this 1099-A to us? 

We have never had any dealings with BSI Financial Services> Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation