vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LEXISNEXIS
State: IN

Complaint narrative:
Debt was discharged in bankruptcy and is still impacting my consumer report negatively. I wrote the U.S. Bankruptcy courts in Illinois and Indiana and both informed me that they DO NOT provide any information to ANY reporting agency. I've also contacted Lexis/Nexis informing them of the violations under 15 USC 1681 . Please remove and/or delete these bankruptcies from my consumer report for they are a defamation to my character and preventing me to live life as a consumer of the United States XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. JPMorgan Chase & Co. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-31 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: PA

Complaint narrative:
According to the Credit Report, one of the statuses on the account is listed as follows : You have missed a payment on this account. XXXX XXXX This is completely inaccurate because a payment should not be listed as missed and in a delinquent status if the payment was made up at a later date. 

In addition, XXXX closed my previous complaints without resolving them. I do not appreciate this and will be contacting an agent at the CFPB by phone to have those complaints re-opened. XXXX is not permitted to close complaints just because they do not want to deal with the concerns. The complaints were not handled professionally nor were any steps taken to assure me as a consumer that my information is protected from the disgruntled employee who can not deal with customers appropriately. 

Further inaccuracies may result in more severe consequences from a legal standpoint. Please rectify the issues and behavior from your employees at once, or I will have no choice but to take it further from a legal perspective.

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 2021-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RR Resource-Recovery
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX SS # XXXX I'm disputing a medical bill that was covered by XXXX I did not have a problem getting the other 12 bills removed because they had also been covered by insurance but they will not remove this I have wrote called and went to the hospital it is RR Resource Recovery, L {$2000.00} XXXX XXXX XXXX I would appreciate any and all help time and XXXX took on the matter thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went to SunTrust on XXXX XXXX in XXXX. I planned to open a joint checking/savings account. One of the credit reports was locked so I left and came back to the bank to finish it on XX/XX/XXXX. The bankers name is XXXX XXXX. 
I gave XXXX {$2000.00} in cash and a {$9000.00} cashiers check from XXXX, having closed an account and received a cashiers check. I received a receipt for the deposit. XXXX mentioned that cashier checks can be held for a few days. 
Id specifically mentioned that online access was very important. I established the online account Friday night, XX/XX/XXXX. I was able to log in to the account and access it. The next time I tried to sign on and every subsequent time I am told that it's unable to access site, as if its offline. 
I went back to the SunTrust branch where I was told the account was locked and the cashiers check was on hold. I told them that I just wanted to close the account. They said they had to do an investigation but refused to tell me anything about it. And I was unable to close the account. 
I tried calling Suntrust Customer Service and go through the SunTrust help desk a few times but kept getting kicked to the back of the queue or disconnected after 20-30 minutes on hold. 
The email 's I have received from Suntrust keep telling me to log on to my account to find out the status of my account, but I am unable to log on to my account since I appear to be locked out. 
I got a letter from SunTrust saying the cashiers check funds would be available XX/XX/XXXX. 
I got a phone call from SunTrust representative XXXX XXXX, Client Advocacy, who said that XXXX XXXX would be assigned as the case manager, and I would receive a call from her concerning the status of my account within 15 days. XXXX has not called. Then I received a letter from her saying she has tried to contact me but was unable to reach me, and the phone number to call her. I have called the phone number many times and even called XXXX XXXX back. I have the phone records. As of XX/XX/XXXX, I have called XXXX 10 times, XXXX twice. Never able to talk to anyone, always have to leave a message. Not once have I received anything from anyone. Silence. 
SunTrust has had my money for more than a month. They refuse to answer questions, refuse to say when my money will be returned to me. That no one will tell me what is going on and when I will get my money returned, this is just wrong. That I can't get anyone from Suntrust to talk to me about this is the most confusing and aggravating ordeal I have ever gone through.

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 2021-10-31 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: CITIBANK, N.A.
State: FL

Complaint narrative:
This letter is in dispute of the Macy 's 30 days late payment that has been reported for XX/XX/2021. 
Macy 's has reported that my XX/XX/XXXX payment was not paid on time. The image below shows the receipt I was given on XX/XX/XXXX when I paid the bill in my local store. It wasn't until my XXXX statement that I was made aware that Macy 's did not process the check and reversed the payment of the XXXX statement making the payment >30 days late. When contacting the Macy 's finance department they claim the check did not process, could not give a reason why and said that I would have to provide a canceled check in order for them to remove the negative credit report because it wasn't their mistake. Since my bank never received the check for payment I can not have a canceled check. Clearly it was Macy 's issue since they received the check and provided the receipt and XXXX balance until the next month when the reversed it. My bank has also confirmed that the check was never processed or presented for payment. It is clear that Macy 's lost the check somewhere between their store and the payment processing and is trying to collect on a mistake they made. This is an unfair credit reporting issue and I am demanding that this negative report be removed as soon as possible. The attached documents below show the receipt and Bank statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
NAVY FEDERAL CU at XXXX XXXX XXXX XXXX, VA XXXX XXXX has been sending me collection notices in the amount of {$12000.00}. 
The collection has been reported as pasted due balance. I do not know this company. 
I have never done any business with this company. This company does not have a contract with my signature. i would like this item remove from my account completely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Suttell, Hammer & White, P.S
State: OR

Complaint narrative:
This debt collection company was asked to verify the debt and didnt and now they are suing me. Their process servers have broken the law three time by entering a secured building without permission! This is illegal and abuse.

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 2021-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: MI

Complaint narrative:
I have called multiple times and was treated poorly and was being told that my funds were not taken when I know how much money I had and my funds were in fact taken. The employees were hanging up on me and acting like they could not hear me. They did not provide me with proof of my funds not being taken and did not help me resolve the issue. I also escalated the issue twice with no resolution. I suspect that the company took my funds themselves due to the way this has been handled. Many transactions are missing from my statement and from my alerts and this is a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have used my US Bank credit card for years for overseas travel. I have followed their explicit instructions to call and document the respective countries I will be visiting. This has always worked very smoothly without any issues. In XXXX, I was in XXXX and the XXXX XXXX XXXX and communicated this information to the bank. 

On XX/XX/2021, my credit card was denied for a {$19.00} taxi ride when I first arrived in the XXXX. I was in the extreme heat, in an unknown place, with a driver who didn't speak English and did not have any cash on me. This was a stressful experience that could of been completed avoided. The bank had intentionally denied my credit card transaction. I don't understand why this would happen if I went through the trouble to document this. I then had to call them overseas incurring long distance charges of {$9.00}. 

I could understand placing a hold on a material dollar transaction, but this was unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2021 I deposited an amount altogether of $ XXXX.The ATM malfunctioned with a long loading screen only accepting {$5700.00}, then the ATM tried giving my money back and jammed getting stuck in a counting motion.The money slot closed and ended my transactions with a screen being displayed telling me about a number I have to call for a claim.This is really hurtful I have bills and a family all I can do is breakdown and cry.I talked to a representative of Bank of America and was told this would be resolved within two business days.

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 2021-10-31 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: FL

Complaint narrative:
This letter is in dispute of the XXXX XXXX 30 days late payment that has been reported for XX/XX/2021. 
XXXX XXXX has reported that my XX/XX/XXXX payment was not paid on time. The image below shows the receipt I was given on XX/XX/XXXX when I paid the bill in my local store. It wasn't until my XXXX statement that I was made aware that XXXX XXXX did not process the check and reversed the payment of the XXXX statement making the payment >30 days late. When contacting the XXXX XXXX finance department they claim the check did not process, could not give a reason why and said that I would have to provide a canceled check in order for them to remove the negative credit report because it wasn't their mistake. Since my bank never received the check for payment I can not have a canceled check. Clearly it was XXXX 's issue since they received the check and provided the receipt and XXXX balance until the next month when the reversed it. My bank has also confirmed that the check was never processed or presented for payment. It is clear that XXXX XXXXs lost the check somewhere between their store and the payment processing and is trying to collect on a mistake they made. This is an unfair credit reporting issue and I am demanding that this negative report be removed as soon as possible. The attached documents below show the receipt and Bank statement.

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 2021-10-31 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: FL

Complaint narrative:
This letter is in dispute of the XXXX XXXX 30 days late payment that has been reported for XX/XX/2021. 
XXXX XXXX has reported that my XX/XX/XXXX payment was not paid on time. The image below shows the receipt I was given on XX/XX/XXXX when I paid the bill in my local store. It wasn't until my XXXX statement that I was made aware that XXXX XXXX did not process the check and reversed the payment of the XXXX statement making the payment >30 days late. When contacting the XXXX XXXX finance department they claim the check did not process, could not give a reason why and said that I would have to provide a canceled check in order for them to remove the negative credit report because it wasn't their mistake. Since my bank never received the check for payment I can not have a canceled check. Clearly it was XXXX XXXX issue since they received the check and provided the receipt and XXXX balance until the next month when the reversed it. My bank has also confirmed that the check was never processed or presented for payment. It is clear that XXXX XXXX lost the check somewhere between their store and the payment processing and is trying to collect on a mistake they made. This is an unfair credit reporting issue and I am demanding that this negative report be removed as soon as possible. The attached documents below show the receipt and Bank statement.

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 2021-10-31 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 letter is in dispute of the XXXX XXXX 30 days late payment that has been reported for XX/XX/2021. 
XXXX XXXX has reported that my XX/XX/XXXX payment was not paid on time. The image below shows the receipt I was given on XX/XX/XXXX when I paid the bill in my local store. It wasn't until my XXXX statement that I was made aware that XXXX XXXX did not process the check and reversed the payment of the XXXX statement making the payment >30 days late. When contacting the XXXX XXXX finance department they claim the check did not process, could not give a reason why and said that I would have to provide a canceled check in order for them to remove the negative credit report because it wasn't their mistake. Since my bank never received the check for payment I can not have a canceled check. Clearly it was XXXX XXXX issue since they received the check and provided the receipt and XXXX balance until the next month when the reversed it. My bank has also confirmed that the check was never processed or presented for payment. It is clear that XXXX XXXX lost the check somewhere between their store and the payment processing and is trying to collect on a mistake they made. This is an unfair credit reporting issue and I am demanding that this negative report be removed as soon as possible. The attached documents below show the receipt and Bank statement.

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 2021-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
My mortgage servicer Mr cooperXXXX isn't recognizing my account as paid in full. 

On/around XXXX I paid my full mortgage payment. As of XXXX I contacted Mr cooperXXXX as my online account showed a significant balance and I was receiving automated voice mails I was promised by XXXX at the Texas location via online chat there was an error on Mr cooperXXXX and the issue would be resolved within 3 business days.

The statement I am attaching clearly shows my balance was paid in full and I believe this company is trying to " pull a fast one on me '' and potentially others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am unable to see my accounts in detail. This is false advertising since this Credit Report is designed to show your accounts in order to review for any discrepancies. I requested on numerous times to be transferred to a Supervisor but the Representatives refused or made excuses that there's no Supervisor on Staff ( i.e. Representative " XXXX '' who I spoke to today ). I am requesting that the Credit Report detail my accounts and for a Supervisor to call me back on this issue ( my cell # : ( XXXX ) XXXX. 

Your support is greatly appreciated in this matter. 

Regards, 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 2021-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I received an email around XX/XX/XXXX, in which PayPal claimed that they were selling off my debt to a collection company. I was so confused by this, because not only have I not used PayPal in years, but I have not been able to even login to my account in roughly the same amount of time. Then I looked at the total of this supposed debt that I have, and it said {$15000.00} and some change. I was absolutely flabbergasted, as I can definitively say I never ever used PayPal to accrue {$15000.00} worth of anything. I actually dont even remember a time Ive used PayPal in my name. I feel like they are just trying to take money from me, and claim that I have a debt that I did not incur. I have tried to email them to appeal this supposed debt, but they are not budging. They are claiming that guy was the one that in fact spend this money. I can 100 % say I was not. They said the charges are from XXXX, and I did not use PayPal in XXXX. I am at a loss, and I do not know what to do about this. I have worked very hard to fix my credit recently, and this is absolutely going to destroy it. This is totally unfair and not right in every way. How can a company just do this to me? I need help. It is entirely possible that this is a case of identity theft, where somebody fraudulently use my PayPal years ago. I just dont know. PayPal is being extremely uncooperative, and they wont even provide me with a detailed list of these supposed charges, so that I can even dispute them.

Company response to consumer: Closed with explanation