vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: MO

Complaint narrative:
Was contacted by this company one year after visit to hospital from an accident. Hospital bill was covered and when sent a single statement in return I sent a letter and filled out the information for my insurance XX/XX/2019. During three phone calls I was told that they did not receive the information. I asked all three times for a new statement which they said that they would just wait twice, the third time I was directed to a website and told I could submit my insurance information there which was untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland finance was paid off last year on 1 account the other one has been paid off for year they fraudulently took my tax return for paid accounts that i do think i owed XXXX dollars after but not XXXX please help they are nasty rude and wont talk to me ... its fraud and its illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: Southern Management Systems Inc.
State: IL

Complaint narrative:
I am submmiting this complain about a collection on my credit report placed by Southern Management Systems , Inc. for XXXX at XXXX XXXX XXXX. I was looking for apartment in XXXX 2016 and was interested in XXXX at XXXX XXXX XXXX, but later on my plan changed and I was no longer moving to XXXX. XXXX did sent me the lease contract for me to sign, but because I didn't have my guarantor sign his portion, the lease was not completed, which XXXX said that '' your lease is not complete until the guarantor portion of the lease paperwork has passed '' in their email too. However, few months later, I saw a collection placed on my credit report with a balance of {$2300.00}, and I start to receive harassing calls from the collection company, Southern Management System. I had no idea what was going on with this collection, so I called XXXX at XXXX XXXX XXXX and they said because I have a lease signed. I explained to them that I never have the lease completed and I never moved in, they did not give me any resonable explaination.Their word was against what they said in the email, and they did not give me any notification before they illegally sell my information to the collection complay, Southern Management System. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I previously spoke to XXXX in the Call Center after receiving my XX/XX/XXXX statement in the US mail ( post XX/XX/XXXX close date ). The call into Customer Service was likely Monday XX/XX/XXXX. I had adjustments made for Late Fees/Finance Charges due to the conversion from XXXX XXXX to Comenity Bank. XXXX advised during that call that I would also receive XXXX bonus XXXX Reward Points. As of today, those XXXX bonus points have not posted to my XXXX account. Please investigate. 

I followed up via Comenity Bank 's Secure Mail feature on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The agents who respond to my secure mail continue to re-direct me to XXXX. The issue is XXXX can not apply points for something they are not advised to do so from my credit card company. My view is Comenity promised me these XXXX bonus points, so therefore XXXX needs to take action to contact XXXX on my behalf and get these XXXX bonus points applied. 

See XXXX reward points per my XXXX Rewards account : Date Details Points XX/XX/XXXX Points Earned for Entertainment purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned for Everyday purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned for Restaurant purchases on your XXXX Card XXXX XX/XX/XXXX Reward XXXX XX/XX/XXXX Reward XXXX XX/XX/XXXX Pass ( Purchase Power ) XXXX XX/XX/XXXX Pass ( Activation ) XXXX XX/XX/XXXX Points Earned for Entertainment purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned for Everyday purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned for Restaurant purchases on your XXXX Card XXXX XX/XX/XXXX Points Earned XXXX Card Purchases XXXX XX/XX/XXXX Points Earned XXXX Card Purchases XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
We have been trying to work with the mortgage company Mr. Cooper since XX/XX/2019. We are in pending foreclosure. They have not accepted a payment from us since then. We have tried working with them and XXXX XXXX We were still working with Mr Cooper waiting for a decision from XXXX XXXX when the papers were filed for the foreclosure. I feel they didnt really want to work with us and would rather have our family lose our home to foreclosure. We have half the amount due but its climbing daily now because of the lawyer fees being added everyday. They claim the are passing by twice a day here as there are two inspection fees daily. I see there are lots of complaints about this company when you XXXX their name. Can someone please help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX transunion XXXX another violations by them above

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 2020-02-19 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
on XX/XX/XXXX i tried paying the XXXX XXXX XXXX XXXX   {$300.00} via her website i tried 3 times but kept getting an error message, i tried calling bank of america, the toll free number on the card seemed to be closed, i called the following day and spoke with an agent and was told this sometimes happens, they could see the rejected payment attempts, i was told i would receive another card in the mail, in XX/XX/XXXX i tried using the card, but was unsuccessful, i called to check via the automated system and was told the balance was {$0.00}, i called the bank america service # and was told there was an error and would be sent a new card, i waited several weeks and did not receive a new card so i callled bank of america again, i was told they wont be sending a card, they never said they were going to, they also lied and said there was no record of me ever trying to pay the XXXX XXXXXXXX XXXX XXXX, the card has XXXX XXXX on the front XXXX XXXX XXXX XXXX exp XX/XX/XXXX ccv XXXX, they are liars and cheats and are trying to steal my money

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 2020-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
On XX/XX/2020 I received a frantic call from the mother of my nephew who said that some lady had just contacted her to tell her that i would be arrested and that charges would be brought out against me at XXXX county if i didnt call them. Then i called them back i was transferred to a guy and he said three charges was being filed against me by ACE CASH Express unless i pay them {$140.00} dollars. This caused so me so much stress and made me so afraid. So i quickly called around and ask my family to let me borrow the money and made the payment because he said i would have to pay XXXX dollars in legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I initiated a dispute in regards to a negative remark on my credit report. However, Exeter Finance is reporting an old unpaid debt on my credit report. This debt was settled with XXXX XXXX and Exeter refuses to update to paid or remove account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: NY

Complaint narrative:
I contacted Chase on XX/XX/XXXX in regards to two accounts that are not mine were found on my credit report. These accounts are not mine and FTC report was mailed to Chase. However Chase is reporting these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: Block, Inc.
State: FL

Complaint narrative:
Offending company : CashApp, Subsidiary of Square , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Website : cash.app Transaction Date : XX/XX/2020 Amount Paid : XXXX Payment Method : Personal Check or Bank Debit Subject : Bad/ potentially illegal business practices I transferred money into my CashApp account so that I could then transfer it into another one of my accounts that for some reason can't link to the originating account no matter how many times I tried, and CashApp had no problem taking my money and then decided it was suspicious activity after taking my money and is now withholding it. There is no phone number that I can call, and they are not responding to emails even though their website says they respond within 24 hours. Their website even explicitly states that there is no phone number that can be used to speak with support. The only email 's that I have gotten from them thus far ( I've sent around 10 e-mails ) as a response indicates that they might hold my money for up to 45 days, which they said after already holding my money for 10 days. There is nothing suspicious about the transaction. Both accounts are in my name, and they have no reason to be doing this. I simply don't understand how this is legal. It is royally XXXX me over. I'm going to have to pay late fees and interest because I can't pay my bills because of this. This is apparently a fairly common occurrence with cash app according to other complaints I've read, which is why I'm reaching out and I've also brought this to the Florida Attorney General 's office attention because this is not okay for regular business practice. They are holding my money, and I guarantee making interest on it while I have to pay fees because I can't access my money. It's nothing short of criminal. They are ruining my credit. I desperately need MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX on behalf of Lakeview Loan Servicing Lakeview has promised my parents that due to the change in interest rates, they can provide them a lower mortgage interest rate at 3.930 % with no out of pocket costs and/or closing costs. The problem is, we just moved into this home XX/XX/XXXX and I am part owner of this house. They have not received my consent to do so. When finding out what was going on, my dad provided me a draft of their documents. They are instructing my parents to provide them a deed that I'm not listed on ( previous deed ) in order to close on the loan without my consent.. We had a lawyer draft a document that he then filed with our local Appraisal and/or County Clerks office. I have tried to contact them only to find out multiple people have handled our loan no longer work with this company and I continue to receive voicemail. Today XX/XX/XXXX, I sent them email to discontinue, terminate, and cease practices or servicing of the attempted loan refinance with my parents. Please help us. This company is supposedly associated to the company we currently pay our mortgage to. We are afraid of retaliation due to the current servicing of our loan. Thank you for any help you can give so other people that may be in our shoes get the same help.

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 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020 it was brought to my attention that there was some fraudulent changes that were made on my account with Bank of America. I received a text alert that stated there were some recent charges and on my account that they wanted me to verify. I let Bank of America know that some of the charges were not made by me and they went ahead and cancelled the use of my card and went ahead and sent me a new one. The fraudulent charges included {$200.00} to XXXX and two {$150.00} charges to XXXX. I was under the assumption that, since I had reported the charges, the funds that were taken from my account would be returned. That was not the case. I waited a few days to see if the funds would be returned and they never were. Bank of America went ahead and removed the charges from my account, so they no longer appear on my account. However the funds were nowhere to be seen. Instead my account balance was adjust to be {$500.00} less than when the funds were taken, as to make it seem like my account balance was {$500.00} less to begin with. I called to see why the funds were not returned and the representative told me since the charges were not on my account that they were never charged, which is not the case. I was pretty much told that I would need to call the companies that charged those funds in order to get my money back as they have no way of showing I was ever charged.

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 2020-02-19 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: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
First off I want to sincerely thank whomever is taking the time to review this case, I'm sure it's not the most exciting thing. 

Anyways, I will post all fraudulent transaction details below ( at the very bottom, to make it easier ). 

My name is there I hope that's okay but no other revealing information. 

The company denied my fraud claim as you'll see the the " robinhood response '' screenshot BASED on the fact the gmail that was compromised had sent them an email offering them " promotion ''. Of course if somebody has my checking account information and creates an account with them under my email they have access to my gmail account. 

There reasoning went along the lines of " oh we had an email sent to us around the same time the account was opened, thus proving the transactions weren't fraudulent ''. 

They IGNORE all other red flags? I'm assuming they can track IP address locations and what not, why don't they comment on that? Or the fact I have NO history with making transactions like this in my entire life? Or the fact you can clearly see as soon as I saw the balance alert in my email i instantly changed all my passwords INCLUDING my bank password. 

There fraud team has stolen over XXXX $ from me and I would be very grateful if you guys could assist with this. I don't have {$5000.00} laying around, and I work very hard for my money. 







XX/XX/2020 Show additional information for activity type other payment XXXX XXXX : Funds ID : XXXX INDN  : XXXX XXXX CO ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB as Reconciled XXXX XX/XX/2020 Show additional information for activity type other payment XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB as Reconciled XXXX XX/XX/2020 Show additional information for activity type other payment XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB as Reconciled XXXX XX/XX/2020 Show additional information for activity type other payment XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX XXXX : Funds ID : XXXX INDN : XXXX XXXX CO ID : XXXX WEB as Reconciled XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: AES/PHEAA
State: MA

Complaint narrative:
PLS NOTE I PAID OFF ONE OF TWO STUDENT LOANS IN FULL XX/XX/2014 THE SERVICE PROVIDER WILL NOT MARK THE LOAN PAID IN FULL AND IN CORRECTLY NOTES BALANCE OF XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have been given a forgiveness for loans due to lifetime XXXX. All documents submitted, some credit company reflects close but showing 120 days late delinquent, all three credit companies don't match. Filed disputes directly each reported agency and with us treasury. This is 2nd time in 6 years they suddenly reappear on my reportXX/XX/XXXX they all posted again I dropped XXXX points one night. Now they are one by one fixing them as not due but not removing derogatory late payment remarks. Also loans were taken out under previous name XXXX XXXX XXXX. Legal name as of XX/XX/2018 is XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-02-19 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have been given a forgiveness for loans due to lifetime disability. All documents submitted, some credit company reflects close but showing 120 days late delinquent, all three credit companies don't match. Filed disputes directly each reported agency and with us treasury. This is 2nd time in 6 years they suddenly reappear on my reportXX/XX/XXXX they all posted again I dropped 60 points one night. Now they are one by one fixing them as not due but not removing derogatory late payment remarks. Also loans were taken out under previous name XXXX XXXX XXXX. Legal name as of XX/XX/2018 is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: MA

Complaint narrative:
I have been given a forgiveness for loans due to lifetime XXXX. All documents submitted, some credit company reflects close but showing 120 days late delinquent, all three credit companies don't match. Filed disputes directly each reported agency and with us treasury. This is 2nd time in 6 years they suddenly reappear on my reportXX/XX/XXXXthey all posted again I dropped XXXX points one night. Now they are one by one fixing them as not due but not removing derogatory late payment remarks. Also loans were taken out under previous name XXXX XXXX XXXX. Legal name as of XX/XX/2018 is XXXX XXXX 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 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I FINANCED FURNITURE THRU XXXX XXXX AND WAS TOLD IT WAS FINANCED THRU  ONE COMPANY, WHEN TWO COMPANIES TOOK MONEY OUT OF MY ACCOUNT I REPORTED THE COMPANY I WAS UNAWARE OF AS FRAUD, XXXX XXXX DID AN INVESTIGATION AND DECLARED IS WAS FRAUD AS WELL, THREE MONTHS LATER THE COMPANY CALL ME AND TELL ME THERE GOING TO REPORT IT AGAINST MY CREDIT, AFTER THEY CONTACTING ME FOR THREE CONSECUTIVES WEEKS AND SENDING ME A CONTRACT THAT WAS ELECTRONICALLY SINGED ( WITH MY NAME BUT NOT BY ME ) I REALIZED THEY ALSO FINANCED MY FURNITURE SO I PAID THE TOTAL AMOUNT THAT WAS QUOTED TO ME, A FEW MONTHS AFTER THAT I WAS CONTANTED SAYING I NEEDED TO PAY THE {$590.00} DOLLARS THAT I DISPUTED THRU THE BANK I REFUSED TO GIVE THEM MY BANKING INFORMATION AND THEY REFUSED TO TAKE A MONEY ORDER AFTER A FEW WEEKS OF ARGUING THEY AGREED I CAN GET A PREPAID VISA AND PAY THE TOTAL, WHEN I CALLED BACK TO PAY, THEY REFUSED AND NOW ARE CLAIMING THAT I OWE THREE THOUSAND OR SO ODD DOLLARS AND I REFUSE. I AM WILLING TO PAY THE MONEY THAT I DISPUTED THRU THE BANK BU NO MORE THAN THAT, THEY HAVE NOW REPORTED IT AGAINST MY CREDIT BUT I PAID THE TOTAL AMOUNT THAT WAS QUOTED TO ME OF {$3600.00}.

Company response to consumer: Closed with explanation