vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 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:
On numerous occasions Ive contacted Transunion and XXXX   about Hard inquiries on my report that are fraudulent. I stated that it was identity theft and I did not authorize it nor had knowledge of the information on my report. I sent in Identity Theft report along with copies of my Id and SS card as they told me to and still nothing has been fixed for me.

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 2019-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express Credit card has in throughout the year called multiple family and friends explaining the need to get a hold of me about my debt and asking the person for a number or information on me this is repeatedly at least once a month from the end of XXXX and now increasing from XXXX they call the same family or friends with the same question. The account under my knowledge is being placed or already has with collection agency from my understanding but, the other day I had my mother tell me they called twice America express its embarrassing and harassing. I feel intruded on how did  they get my friends number it's not on anything I have and others as well? Why call to give personal info? And why so many times?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
I have a VA loan. Has changed holders 3-4 times in the year we have had it. 
During the last transfer there was a lost payment. 
The company PHH mortgage withdrew the XXXX 2019 payment on XX/XX/XXXX. 
The loan was transferred to the new company XXXX XXXX around XX/XX/XXXX or so The XXXX payment has not been credited yet I have called PHH three times. During each call they first tell me that they rejected the payment. Then after conferring with a supervisor they say the payment was sent to the new company They have not provided any documentation supporting this and they tell me they will call me back with information which they have yet to to My account is listed a past due with the new company. I went and paid an extra payment to make my account current but I am still out a full payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
i had ordered a vacuum online but didn't receive it, i contacted the merchant multiple times, via email and phone calls, i didn't get a call back or any respond to my emails, finally i got an email for the merchant on XXXX for a tracking number i checked the tracking number and the item said it had been delivered, i didn't receive anything tho, i contacted XXXX and gave them the tracking number, my name, and address. they had said the package isn't in my name nor was it even in my address, so i contacted my bank to dispute the transaction because i haven't received my item, the bank disputed my transaction but now reversed it. went back and took the {$300.00} out of my account they said they had did investigation but i didn't believe it. they wouldn't even look at where the package got delivered to or who's name it is in. i had bought a XXXX vacuum, its 14 pounds and XXXX says the package that got delivered is only 3 pounds how does that make any sense?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23 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: UT

Complaint narrative:
Equifax continues to report XXXX XXXX accounts that were closed due to fraud and should have been removed from my credit report. Instead they continue to verify fraudulent balances and accounts that should have been removed as the information is not 100 % complete or accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 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: UT

Complaint narrative:
Equifax is still reporting an account that was opened due to fraud. XXXX has received the police report information and you all continue to verify and report and this fraudulent account. Immediate removal of this account off my credit report is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
On XXXX XXXX, 2019, a collection account from Allied Business Services has appeared on my XXXX  credit report for {$110.00} I have NO knowledge of this bill or what it is owed for or from when or what services were provided. A certified letter # XXXX XXXX XXXX XXXX XXXX was sent to the above-mentioned business requesting VALIDATION of the account to include the above mention factors and asking the above mention business and another certified letter to XXXX  # XXXX XXXX XXXX XXXX XXXX requesting to remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Tribal Lending Enterprise, Inc.
State: KY

Complaint narrative:
i got a loan of XXXX deposited into my bank account without knowing what the payments or interest would be, the company on my deposit is silver cloud financial. i looked them up and they are not a loan company, they are a XXXX  scam company.

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 2019-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Ok so this is very recent. It was on the XXXX of XX/XX/ 2019, I accidentally put down the wrong dispute case option with my PayPal and that blocked the case and I got scammed XXXX XXXX They wont reopen it because I selected unauthorized instead of fraud and now they think Im lying. But I paid for a XXXX subscription and never got it. And the person i sent money to has never responded so Im stuck..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
The company did not contact me about a debt they have in my name. The debt appeared on my credit report. The company is required to contact me about a alleged debt and give me 30 days to respond with any problems I may have with debt. The procedure is a FCRA rule and the company bypassed that rule and just placed the debt on my credit report.

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 2019-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
My mortgage transferred from XXXX to Flagstar in XX/XX/2019.  Around XX/XX/19 I made a call to Flagstar bank for clarification on my escrow account and the mysterious {$40.00} advance fee on my statement. At first the rep at Flagstar said the fee transferred over from XXXX. I advised her that is not true and demanded that she tell me what the fee is for. The representative then said that often when loans are transferred someone will come out and access the property. I advised the rep that due to my disability,  we are always home and no one has been out to access our property. She kept pointing the finger at XXXX and then told me that I would have to send proof the fee wasn't on my statement prior to the transfer of my loan to Flagstar. I kept several statements prior to the transfer and emailed proof per their request to : XXXX. I feel like this is a scam and they are intentionally trying to rip consumers off! Imagine all the loans transferred in the pool to Flagstar and multiply that pool amount by {$40.00} ( advance fee ) for each new loan. I want this fee removed and this company needs to be looked into carefully! What if I didn't save my statements from my previous lender? I feel they are taking advantage of consumers and it needs to stop!

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 2019-09-23 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: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
We disputed this debt of {$200.00} in writing. We filed an earlier complaint XXXX, but the response was both unsatisfactory and inaccurate. The contracted amount was reimbursed by my insurance. Amcollect has ignored my requests to furbish proof of debt or to remove this from my credit reports.

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 2019-09-23 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: VA

Complaint narrative:
On XX/XX/XXXX I got a credit report alert that XXXX account had been updated to show a balance of XXXX dollars. I contacted XXXX bank because that information was inaccurate as I had made a payment in that exact amount on XX/XX/XXXX to bring my account to a XXXX balance and they reported on the XX/XX/XXXX as a balance of XXXX Additionally, they updated my report 16 days before my statement cut date. I sent them proof of the inaccurate reporting on my report and I received a letter that there was no error everything was reported correctly this XXXX me off that they are allowed to manipulate and lie and drastically impact peoples scores with the lies.

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 2019-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
in XXXX of 2019 LVNV placed a collection account on my credit report without contacting me first to allow me the chance to dispute and request validation and substantiation. In XXXX of 2019 i requested Validation and substantiation from LVNV via certified mailed letter and they only responded telling me that i had the right to request substantiation but never provided me with the actual documentation that would prove they had the legal right to try and collect on this alleged debt. I sent my request certified mail and my dispute was not properly handled by the company. LVNV has also continued to report this debt as valid although they have failed to provide substantiation on several occasions via online disputes with the Credit Bureau, Specifically XXXX. Due to LVNV failing to provide the substantiation information i requested in XXXX this account needs to be deleted but the company refuses to delete it although they didn't provide appropriate documentation to me in time. This company also placed the collections on my credit without giving me time to dispute the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: VA

Complaint narrative:
We disputed this debt of {$200.00} in writing. We filed an earlier complaint XXXX, but the response was both unsatisfactory and inaccurate. The contracted amount was reimbursed by my insurance. XXXX has ignored my requests to furbish proof of debt or to remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: VA

Complaint narrative:
We disputed this debt of {$200.00} in writing. We filed an earlier complaint XXXX, but the response was both unsatisfactory and inaccurate. The contracted amount was reimbursed by my insurance. XXXX has ignored my requests to furbish proof of debt or to remove this from my credit reports.

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 2019-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased a home improvement project totaling {$2900.00} through Lowe 's on XX/XX/2019 and used my Synchrony Financial Lowe 's store card. I have since paid this purchase off. After the home improvement installation was completed, there were several severe areas of shoddy workmanship that caused my home to flood among other issues. I contacted Lowe 's and its contractor for resolution and received no response. I then submitted my dispute following Lowe 's dispute process through the USPS ( certified # XXXX ). 

I called Synchrony Financial on XX/XX/2019 to follow up on my dispute. A representative named XXXX advised that my dispute had not been received and offered no further assistance. I then asked XXXX if he worked in the dispute department to which he confirmed he did. I asked XXXX if he could initiate my dispute as the documents were en route to his department. XXXX advised that if he opened the dispute, that Lowe 's would send employees to my home to forcefully remove the three entry doors that had been replaced. I advised XXXX that his threat was an inappropriate scare tactic and requested to speak to his supervisor. XXXX ( employee ID # XXXX ) identified herself as an Account Manager. I asked XXXX if she was the Supervisor and XXXX responded that she " was as high as you're gon na get ''. What followed XXXX 's unprofessional response was an escalated and combative exchange about how unprofessional she is in her representation to Synchrony Financial. XXXX eventually disconnected the call with no assistance. 

Immediately following the heated exchange, I emailed the Office of the President for Synchrony Financial ( XXXX ) to report the scare tactics and abusive, unprofessional, and rude behavior I had experienced. I followed up with a second email on XX/XX/2019  requesting a response and assistance. To date, both of these emails have gone unanswered. This led me to filing this complaint. 

When I placed my call on XX/XX/2019 to Synchrony Financial 's dispute department, I expected to be assisted as the USPS had delivered my dispute. Following the call and email to the Office of the President, I received notification dated XX/XX/2019 that my dispute had been received. I do not trust Synchrony Financial 's dispute process as their representatives incorrectly advise that disputes had not been received when they had. Moreover, I have very real concerns about representatives like XXXX and XXXX handling customer disputes as they utilize scare tactics and unprofessional behavior to avoid processes and procedures in place by Synchrony Financial to investigate disputes.

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 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
Loan was sold to SLS ( specialized Loan Servicing ) XXXX, XXXX. A dispute regarding funds deposited with XXXX, previous servicer existed and were not related to SLS causing my payment to dramatically increase with little or not adjustments to my hazard insurance or tax base. The figures causing my payment to go up do not accurately reflect funds that should have transferred from previous servicer to current servicer of my loan. Discussions with SLS on XX/XX/XXXX and again on XX/XX/XXXX indicate discrepancy. 

Thank you for the explanation of how the escrow analysis is achieved. This however does not explain the discrepancy of funds as processed by both SLS and XXXX. 
Taxes paid in XXXX were XXXX, and XXXX were XXXX. Hazard insurance paid in XXXX were XXXX, XXXX were XXXX and currently are XXXX. Clearly there is no need for any increase in monthly payment, rather a decrease. There needs to be a complete review of escrow withholding and reporting dating back to XX/XX/XXXX. I believe there is inaccurate accounting and reporting or fraud.

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 2019-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I was part of the XXXX XXXX scam. They slammed my account for a total of {$610.00}. They bank investigated and I was refunded {$100.00}. I have been with Regions for a considerable amount of time and have never has this to happen to me. I provided a lot of information and even contacted them by phone on the same day that it happened. The person on the line, reassured me that everything was going to be okay. No, it was the start of my nightmare. I provided them all of the information that I could. My XXXX son banks with XXXX XXXX XXXX XXXX and was refunded the money bank into his account. I even gave them all of this information but I am still to see the remainder of my money back. This money was set aside for a vacation at the end of the school year for my XXXX XXXX XXXX. That fell through. I am afraid to place any type of money in their now. They could look at my transaction history and this was out of the usual for me.

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 2019-09-23 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: NY

Complaint narrative:
In XXXX of 2019 Transunion allowed XXXX funding to place a collections account on my credit report. XXXX did not allow the oppurtunity to dispute the account before reporting it. I have submitted online disputes via transunion to have this account removed and Transunion has allowed the account information to be parrotted via LVNV. I requested verification and substantiation from XXXX in XXXX and the company did not properly address my dispute request. I called transunion to submit a dispute about XXXX informing them that the company has not validated or substantiated this account per my request. Transunion and XXXX have both broken the law and need to have this alleged account deleted from my credit report.

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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America took more than 30 days to send me documents to validate a debt. Now that I received the documents, they are not even for the account they are trying to collect. They also sent me information and bank accounts of other people by mistake.

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