vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of identity theft due to my information being caught in a breach. I tried to contact the credit bureaus by phone and by mail and they let me know that I had to contact my local police department to get a police report for the incident. I have since mailed this report over to the credit bureaus and am currently waiting for their response. I use my credit in conducting business many times per year and cant afford to have a negative rating due to someone else 's actions. My friend told me about this site. Please help me resolve this. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
on XX/XX/2020, I paid a 'settlement ' amount with Amsher collection company for appoximately half of what XXXX said I owed them ( which is a whole other conversation entirely ). I am now, a year later, getting phone calls that this payment was 'declined due to insufficient funds ', which is a complete lie since I always keep several thousand dollars in my checking account. I had a confirmation number from them for the online transaction confirming that this had been paid. If this payment were 'declined ', they should have notified me immediately, not wait a year or longer to come after me and state that i still owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX a family member used my Amazon credit card ( synchrony Bank account ending in XXXX ) without authorization to order a new cell phone in the amount of {$490.00}. ( from Amazon ) 3 hours after the order was placed I received a confirmation email and promptly called Amazon customer service to cancel the unauthorized order. They declined to cancel the order. The phone was delivered several days later and promptly returned to Amazon unopened. 
Amazon set me an email acknowledging they received the returned order. As compensation on XX/XX/XXXX Amazon issued me a gift card for the {$490.00}. 
I called Amazon and declined the gift card and asked them to credit the amount to the credit card. On XX/XX/XXXX Amazon canceled the gift card and I assumed credited my Amazon Store Card issued by Synchrony bank. But as of today ( XXXX ) after countless calls and disputes, and mailed documents as requested Synchrony bank they refuse to correct the fraudulent order and remove the charge from the card. They are fully aware it was a fraud order and the item was returned to Amazon. I have emails from Amazon customer service indicating they have notified Synchrony Bank to cancel the charge on my credit card but they still refuse to do so. Its now in collections!

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 2021-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Everyday I get calls from XXXX XXXX about a credit card account that was closed in 2011. Their claim of owed money and the account information therein, doesn't show at all on my credit reports. I have received calls from XXXX, XXXX, XXXX XXXX XXXX usually 2-3x a day

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 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I have been violated by GS Bank on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I received an American Express gift card for {$50.00} on XXXX XX/XX/2021. I used the card to purchase {$25.00} in gas on XXXX XX/XX/2021. On XXXX XXXX I went to the same gas station using the same process to purchase another {$25.00} in gas. The clerk informed me that the transaction was refused because I didn't have sufficient balance for the {$25.00}. I requested {$20.00} in fuel instead of the {$25.00}, so there should be {$5.00} remaining balance. I looked up the account online on XXXX XX/XX/2021 and the balance shows a negative {$20.00}, as all three transactions are showing completed ; {$25.00}, {$25.00} and {$20.00}. This seems highly unlikely as I only received {$45.00} in benefits and American Express would go out of business if their systems allowed negative balances on prepaid gift cards. I called into the Amex call center and spoke with two different agents, both of whom told me that all three transactions were good and that there was no way to dispute the {$25.00} charge. In my view, Amex is doing everything they can to make it difficult to receive the full value of prepaid gift cards. This is known as " breakage '' and it appears the systems are designed to maximize the breakage at the expense of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Everyday I get calls from Portfolio Recovery about a credit card account that was closed in 2011. Their claim of owed money and the account information therein, doesn't show at all on my credit reports. I have received calls from XXXX, XXXX, XXXX XXXX XXXX usually 2-3x a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: AZ

Complaint narrative:
It is my understanding that it is illegal park ie claiming an old debt as new. Per the fair credit reporting act. 
This is what occurred. The original date of the debt was XX/XX/XXXX - There was an attempt to collect the debt on XX/XX/XXXX. The debt was then sold not sure of the date. Sold to Debt Recovery solutions LLC. At this time they sent a notice XX/XX/XXXX. 
They also claimed it as a new debt on my credit report. The notice had a discounted payment of {$760.00} in which I paid. My complaint is for the re aging of the debt, which altered my credit scores by a very large amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has now been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten in the hands of the wrong person. I need this problem fixed ASAP, I WILL NOT wait another 30-45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: Opportunity Financial, LLC
State: MO

Complaint narrative:
OPPLOANS has not updated Balance since XX/XX/2021 on XXXX, XXXX, and XXXX Credit reports. 

The balance was confirmed paid in full : Last Payment Date : XXXX XXXX XXXX Last Payment Amount : {$490.00} Balance : {$0.00} Hi XXXX! 

Congratulations! With your most recent payment on XXXX XXXX XXXX, your above referenced account is now considered paid off. 

We sincerely appreciate your business and hope to work with you again in the near future. Should you ever need a new installment loan, please do not hesitate to call ( XXXX ) XXXX or by logging in to your account to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: TX

Complaint narrative:
I XXXX XXXX is writing you to inform you that you are in violation of the 15 U.S.C. 1681a ( d ) ( 2 ) ( B ) any authorization or approval of specific extension of. Credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card in 15 U.S.C 1602 ( I ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I want to block and remove these accounts pursuant to 15 U.S.C 1681c-2. It should not be declined, this information is not being blocked in error by me the consumer, or on the basis of a material misrepresentation of fact by the consumer relevant to the request to block, or the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions and I didnt receive any goods. You are in violation of 15 U.S.C.1681n ( a ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: E*TRADE BANK
State: PA

Complaint narrative:
My E*Trade debit card connected to my E*Trade checking is frozen. 
E*Trade does not have viable phone numbers, email address, chat access. XXXX for my calls advice a wait of over an hour and then not answered. Calls to their branch offices are answered with this message, " Branch offices are closed due to Covid. '' E*Trade chat is closed. I have tried email. I have been trying to solve this problem for over a month. I have automated payments for both my individual bills due and my business have been rejected and online payments have been denied. 

Please advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I discovered fraud, my money market account was hacked all Statements were surpressed both paper and electronic so no way fro me to determine fraud. When asking Customer service how and when that happened they said not able to tell its a new system. I received a email from bank asking to approve transfer i called immediately and asked what was going on at that point we determined that fraud had occurred. I asked for all statements to be sent to me the amount was over XXXX with multiple web withdraws paid to XXXX XXXX, working with XXXX dispute they have dined some requests saying i should have stopped them sooner. With no statements, paper or electronic not sure how a bank can send nothing?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received a credit card from Bank of America in amount of {$12000.00} limit. I did not apply for this. On the same day I opened this mail, XXXX XXXX, I also received notification of request for mail forwarding by USPS that I did not make. 

I contacted Bank of America and credit card was cancelled. I contacted XXXX who put a 1 year fraud alert on my account and notified the XXXX other credit bureaus. Postal Service informed as well I contacted Social Security Administration that instructed me to Federal Trade Commission and thus to this site

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 2021-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
wells fargo sent me a package for a loan modification after the covid relief. the paperwork said if it was not returned and payments not resumed that foreclosure process would start after the XXXX of XXXX. the paperwork had my ex-wife 's name on the account. i sent my divorce decree, something wells fargo knew when they processed the hamp mortgage in 2014. 

XXXX XXXX from wells fargo calls me today, tells me she has no answer. she does not know when my paperwork will be corrected. she does not know if wells fargo will put me in foreclosure. she does not know if wells fargo profited off of the covid relief that i participated in. she does not know how to fix the problem. 

i sit here not knowing if wells fargo will try and collect XXXX for all my past payments, or put me into foreclosure, after wells fargo changed the verbal agreement with me regarding the covid relief. 

i have XXXX from being XXXX  XXXX XXXX in a XXXX. i used the hamp program to save my house previously, now, i have struggled for weeks with my mental health due to wells fargo changing the covid relief program and providing me with no answers, after sending a letter that stated a foreclosure may occur if my paperwork is not completed and returned by XX/XX/XXXX. which, of course, can not hapen due to wells fargo incompetence. now, my paperwork has no time frame to be returned. my payment is supposed to resume, but i am left with the feeling i will lose my house, even if i resume paying. 

i have no control over my XXXX and the thoughts of losing my house. wells fargo entered into a verbal agreement with the covid relief. wells fargo refuses to work faster due to my XXXX, after i made a reasonable request under American with Disabilities Act, that I would like to know facts of whether I can start my payments, or whether my house will go into foreclosure and whether the covid relief we verbally agreed to was a lie. the mental distress is unbelievable, and wells fargo is to blame. 

i have been mistreated by this process, and wells fargo refuses to follow a reasonable request under the ADA

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 2021-11-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting a discover card account inaccurately. I asked that they remove the account because it has been reportedly inaccurately for some time which they would say it was accurate. I have my credit report which shows the account reporting differently on both I asked that the account be deleted yet they tried to update the account open information. I ask that th account be removed from my credit report the last time I disputed the account was in XX/XX/2021. XXXX only sends letter verifying the account open day yet no information about close day, last pay. So how has this account been verified or investigated?

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 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: TX

Complaint narrative:
I XXXX XXXX is writing you to inform you that you are in violation of the 15 U.S.C. 1681a ( d ) ( XXXX ) ( B ) any authorization or approval of specific extension of. Credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card in 15 U.S.C 1602 ( I ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I want to block and remove these accounts pursuant to 15 U.S.C 1681c-2. It should not be declined, this information is not being blocked in error by me the consumer, or on the basis of a material misrepresentation of fact by the consumer relevant to the request to block, or the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions and I didnt receive any goods. You are in violation of 15 U.S.C.1681n ( a ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
I purchased my first house in XX/XX/2020, regretfully with LoanDepot. During the closing they told me I and the property would qualify for an XXXX loan which we then proceeded to do. Last minute, they said they the property type doesnt qualify because its a condo. ( Its actually a townhouse community with an XXXX fee ) Based on that information I was forced to go conventional, which was very misleading and bait and switch-ish to me. And we had the loan and homeowners insurance set up based on the information they provided ( condo and conventional ). I had signed up for my homeowners insurance to paid from the escrow account, like most homeowners. A year later ( renewal time ) I receive a threatening letter from LoanDepot regarding the insurance had not been paid and needed to be right away. So unknowing I paid directly from my bank account. I then later found out ( from my very responsive loan XXXX ) that I should have never paid directly. I then reach out to customer service which is a sea of transfers to unknowledgeable reps. After weeks, found out that the need a declaration page, which I sent to them via email, fax and online upload. A week or more later, the issue is still not resolved. I then have to call again and spend hours and hours through the sea of transfers and the unknowledgeable reps, because each one tells me something different. Then make me go through the same story for them not to be able to help. So I finally found a rep that could find the many declaration pages I sent and then said the issue was property type. I dont understand how after a year that is an issue AGAIN? I received the letter on XX/XX/XXXX, its is the XX/XX/XXXXand still in the exact same spot. I then called and asked for payoff to refinance with a more customer friendly mortgage company and I was told I would receive that the same day, its been XXXX and still havent received it. I hate paying my money to people that are dishonest with me. During all this, they were still taking mortgage payments instead of rectifying the issues they have created to make my life more difficult and making me lose income.

Company response to consumer: Closed with explanation