vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
On XX/XX/XXXX we sent a Notice of Error to Freedom Mortgage stating that a number of Principal Only payments were not credited properly as we could see from the Payment Schedule we requested.. They responded and sent a Detail History dated XX/XX/XXXX. From that we were able to find most of the payments, but some were still missing and 2 checks for {$860.00} were never credited at all. 

On XX/XX/XXXX I called Customer Service and spoke to XXXX, XXXX. He helped me as much as possible with the limited information he had available. He suggested I send in copies of the cashed checks. So, on XX/XX/XXXX we sent a Second Notice of Error stating we were still missing the following : XX/XX/XXXX {$800.00} additional principal ; XX/XX/XXXX {$800.00} additional principal, and XX/XX/XXXX check # XXXX {$860.00}, # XXXX {$860.00} were not credited at all. ( I made the mistake of writing on both checks, additional principal. We also made an additional principal only payment of {$1700.00} on XX/XX/XXXX, which was credited correctly. 

We received a response on XX/XX/XXXX. They said the payments were verified and sent me a new Detail History dated XX/XX/XXXX. From this History we could see that a number of changes were done to manipulate the numbers. After 9 new entries added to XX/XX/XXXX we believe they gave a credit for {$800.00} and {$780.00}. ( not {$800.00} ) For XX/XX/XXXX they changed our XX/XX/XXXX regular payment of {$870.00} to {$860.00} and credited {$9.00} as additional principal. They have not accounted for the 2 missing checks of {$860.00} and never said they made a mistake. They just manipulated numbers and figured we wouldn't look at the Detail History and just take their word.

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 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XXXX i opened a SYNC/XXXX  account. in XXXX it was closed, on XX/XX/XXXX it was removed from all credit credit bureaus, i called the bank, the bank said they have no record of my account, they ask me for my account number, i told them i only have the first six numbers or the last four numbers. they said its no good. i called the credit bureaus to ask if they can give me my account number. they the don't give full account number. 
Maybe the credit bureaus would give you the full account number .... 


the complaint is for SYNC/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 2021-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: IL

Complaint narrative:
On XX/XX/2021, I was notified that I was a victim of unemployment fraud. I took all of the recommended steps for follow-up of this issue ( contacted the Illinois Dept of Employment Security, filed a police report, placed credit alerts with each bureau ). On XX/XX/XXXX, I received an email from Netspend, a prepaid card service informing me to activate my card. I did not apply for this card and my assumption is that the application is likely connected with the fraud. 

I have reached out to Netspend several times - by phone and email - and I can not get any assistance or response despite my informing them that this is an act of fraud. The reps insist that I provide them with my card number ( which I don't have ) or social security number ( which I don't feel comfortable giving ) and was told I could not be helped without it and was even hung up on. Even when I finally did provide a social security number, they still didn't help. I continue to get regular emails from Netspend addressing either myself by name or someone else 's ( probably the criminal ), which lets me know that in addition to being non-responsive, they have taken no action to close this account despite my many requests.

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 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems
State: CA

Complaint narrative:
Hello, XXXX XXXX an attorney called me from CRS and Associates asking me to resolve a matter out of court. He then explained to me that there was a paycheck advance that took place in 2016 for {$500.00} or something like that. I explained to him that I was a patient at a treatment center called XXXX XXXX XXXX XXXX, which in 2016 it was raided by the FBI and the state of California, for XXXX XXXX dollars of insurance fraud, and the owner was charged with countless other charges including XXXX and giving clients XXXX. I myself was a patient of this treatment center and there were many other versions of fraud that took place at XXXX. I tried to explain this him and he told me that I can talk to the judge. 

Those 3 years a lot of things happened, and I was under a massive amount of stress, and I am not sure if I was even sober when making the phone call since the owner of the facility was giving us drugs at the time. 

This is very stressful, and I would like to see if I can handle this as I am in college getting my life together and I feel violated.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting an alleged account. I have disputed this account on numerous occasions. Equifax keep saying that this alleged account has been verified but equifax will not send me documentation of the alleged account. A bill is NOT Documentation. Equifax is breaking the law by telling me this account is verified with out sending me the necessary documents the FCRA requires them to send the consumer. I have express all the different laws the equifax of nunneries of 609 letters and they are continuing to do the same thing. Equifax knows this is against the law. Also the debt collector is in violation of ( 15.u.s.c 1692g ) and 15 u.s.c 1692e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure, and punitive damages as followed by the court in an individual action up to {$1000.00}.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.

Please not that I am aware that credit is a privilege and a consumer have the right to extend 15 u.s.c 1602 ( g ) and rescind 15 u.s.c 1635 credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

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 2021-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I was the victim of identity theft and a student loan and a XXXX XXXX account was opened up in my name. I sent a letter to the credit bureaus but they just updated it as if it were accurate. 

I just recently got wind of the identity theft and went to the credit reporting agencies immediately after I found out. 

I think this is unfair and under the FCRA A consumer may elect to have consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit transaction that is not initiated by the consumer

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 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I was the victim of identity theft and a student loan and a XXXX XXXX account was opened up in my name. I sent a letter to the credit bureaus but they just updated it as if it were accurate. 

I just recently got wind of the identity theft and went to the credit reporting agencies immediately after I found out. 

I think this is unfair and under the FCRA A consumer may elect to have consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit transaction that is not initiated by the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XX/XX/2021 at XXXXXXXX XXXX MIDLAND CREDIT MANAGEMENT was in receipt of my written notice to cease and desist. Pursuant to 15 USC 1692c ( c ) If such notice from the consumer is made by mail, notification shall be complete upon receipt. On XX/XX/2021 the company responded to my CFPB complaint regarding the matter and stated, Per your request, the above-referenced account has been marked Cease and Desist.. IT IS A VIOLATION OF FEDERAL LAW TO NOT HONOR MY CEASE AND DESIST. MIDLAND CREDIT MANAGEMENT continues to report this account to my consumer report unlawfully. Pursuant to 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. To make this law clearer, I will re-state what was written in my initial feedback to the companys response that the above-referenced account has been marked Cease and Desist.. Pursuant to the FDCPA, Title 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Pursuant to Title 15 USC 1602 ( e ) The term person means a natural person or an organization. Pursuant to Title 15 USC 1602 ( d ) The term organization means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. XXXX  dictionary defines the word any as unmeasured or unlimited in amount, number, or extent. In summation, the reporting ( conveying of information of information regarding a debt ) of this alleged debt to the consumer reporting agencies ( a corporation ; organization ; person ) and my consumer report ( a medium ) is a violation of the Cease and Desist and a violation of federal law. I will attach a copy of the original Cease and Desist along with the USPS return receipt confirming the receipt of the Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I applied for a savings account with Alliant Credit Union ( ACU ) ; didn't hear back and then received a letter in the mail stating my application was denied - Alliant used my personal confidential information and pulled my credit but claimed they could not access my XXXX. So, I applied for a savings account again with Alliant Credit Union and provided my California XXXX REAL ID driver license, DOD Military ID, Department of Veteran Affairs issued ID, United States passport book and Phone bill again ; to verify my name, date of birth, address and identity. Alliant Credit Union then asked for access to my XXXX again. I lifted the freeze again. Alliant Credit Union asked for me to lift my XXXX for a third time and XXXX credit bureau ( have two inquires now ) - I lifted the freezes again. After accessing my credit reports, and XXXX several times - Alliant asked me for a copy of my social security card however could not provide me with a reason as to why. When I asked if I was put through the same process as other new applicants the answer was no. Alliant perception is bias and implied that I am a 'fraudster ' based on my characteristics as a single, forty year old, 100 % XXXX Veteran and woman of XXXX. I am a US Citizen - born in Massachusetts. 
Alliant is forcing me to provide a copy of my social security card ( without cause ) or my savings account application will be denied.

Why, does Alliant Credit Union want a signed copy of my social security card? With regard to identity theft, what will Alliant do with a copy of my social security card and use it for? What statute requires that I must provide a copy of my signed social security card to Allied Credit Union in order to open a savings account? Why is Alliant Credit Union putting me through different processes as everyone else?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
In XX/XX/2021 I sent out a debt validation letter to resurgent capital services they then responded with a bill statement however I requested specific information and I informed them that this was not proper validation that the debt belonged to me. I sent another letter to resurgent capital services in XXXX requesting that they send specific information validating that the debt belongs to me. They didnt respond so I sent a second letter out. They in return sent the same exact bill/statement, they sent out to me in XX/XX/2021. I then reached out to XXXX and XXXX in XX/XX/2021, XXXX  in XX/XX/2021 and expressed my concerns that the company was not validating the debt properly XXXX did a thorough investigation and deleted the account from my credit report however XXXX and XXXX validated the debt. I dont believe I was given a fair investigation as resurgent capital services clearly did not validate the debt properly thats why XXXX deleted the account from my credit report. By law from my understanding if the debt can not be validated it must be removed from my credit report. If you can look into this matter I would greatly appreciate it thank you. I have submitted the documentation below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase bank will not allow me access to my funds due to an address change. I purchased a home on XX/XX/2021. I moved in on XX/XX/2021. I am purchasing a car on XX/XX/2021 and I need my daily purchase amount increased to pay the car deposit amount. It is over my allowable daily limit and the charge will be denied if the limit isnt increased. I called chase and made the request for a temporary daily limit increase to the car deposit amount. I was denied an increase and thereby denied access to my funds because I updated my account with my new and current address. If my address was not updated i would be approved for the increase. I asked for a manager. The senior analyst was given the call. Her name was XXXX. She also would not override the system even after I told her I purchased a home which is why my address was updated. I was told I have to go into a branch. I advised XXXX do not even have a car. Additionally, I requested my daily limit to be permanently increased 2 weeks ago and was denied. I have had to call in for a temporary increase too many times which is why I requested the permanent increase and to also avoid issues such as this. If the increase was granted, I wouldnt have this issue today. Every time I need to make a purchase over the daily limit of {$3000.00} I have an issue. I shouldnt be denied access to my own money, most particularly if the reason is because I updated my account with my. Ew address. It makes zero sense. It is horrible customer service and chase has likely lost a customer as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, Thank you for taking this complaint. 

I opened an account with Citi, using their online system, to earn a {$400.00} Bonus for my new {$15000.00} funded Checking / Saving Account after 90 days. After opening and depositing my {$15000.00} new money, I had to call to obtain access to my account online. During this and a second call with them, I confirmed eligibility. After waiting 3 months, I contacted about the bonus, they said I need to wait up to 3 months for the bonus to appear in my account. After waiting further, they say my account is not eligible because I have a priority account, which requires {$50000.00} in savings. Apparently, they opened the wrong account for me initially and will not fulfill the terms I agreed to. Their mistake has cost me months without access to my {$15000.00} and several hours on the phone disputing the issue. Their website could have a simple bug which should lead to a simple apology and correction, but now feels like it's a bait and switch mechanism to fraud people. I just finished a call with the sales department, they said nothing can be done now that the terms have ended, I disagreed and asked for a supervisor, he reluctantly sent me on hold to the supervisor, but like I've had several times, the call went blank and disconnected. Many calls with the company are left to wait and disconnect, very frustrating.

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 2021-05-24 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: MI

Complaint narrative:
I received a credit update and it list that my XXXX credit limit decreased when in fact it INCREASE. The error caused me MAJOR POINTS and no one seems to be able to understand how they should fix this error on their. I have been constantly calling them and I have yet to have someone fix this error.

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 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
After previously being sent to collections, I paid an overdue credit debt back directly to the credit card company on XX/XX/XXXX. On XX/XX/XXXX, I started getting phone calls and emails from Portfolio Recovery Associates, LLC, stating that I owed them the amount I had previously repaid directly to the card servicer five years prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Neighborhood Autos, LLC
State: TX

Complaint narrative:
I purchased a XXXX  XXXX  XXXX  and currently have a XXXX XXXX  from Wise credit LLc they have only reported my payments to one credit bureau which is not effectively building credit resulting in no credit score at all on two bureaus - this needs to be reported to call CBR 's to help my credit profile and is my right as a consumer

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I have been trying to close my Citibank Priority Checking account since XXXX. There is XXXX cents in the account currently. I have called repeatedly asking Citibank to close the account and do what they will with the XXXX cents. I was told on XX/XX/XXXX that my account would be closed within 30 days. When I checked my account the 2nd week in XXXX I found that my account was still not closed. Upon calling Citibank back on XX/XX/XXXX, I was first hung up on. The second call I was transferred to 4 different people each one telling me that " this isn't my department. '' I was then informed that my account was blocked and that the only people who could unblock and then close my account are " in a back office '' and that " customers aren't allowed to speak to them. '' I was then told that I was given the wrong information and that closing my account could take at LEAST 60 days, but because this back office team does not speak with customers the Citibank representatives would not give me any sort of date. I just want my account closed and Citibank won't do it.

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