vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Received text on XX/XX/2020 that my credit card payment was overdue and that there was a {$15.00} fee added to my balance. Called few minutes later and told representative I never received my statement by mail like I had before. Representative told me I agreed to receiving my statements by e-mail back in XXXX but I never spoke with anyone that I can remember concerning that but was assured that I was sent my statement by e-mail. I checked my entire e-mail list for XXXX and XXXX and never once saw that e-mail. After telling them I was not aware of the change, they waved the fee but I'm reporting to inform you just in case this is an intentional tactic to see how many people Regions financial services can trick into paying an additional {$15.00} fee to increase there own profits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
To Whom It May Concern : This complaint concerns my XXXX XXXX credit card account with XXXX XXXX, which became delinquent in XX/XX/XXXX. Portfolio Recovery Associates, LLC alleges that they bought the account from XXXX XXXX, but the have refused to provide written documentation of alleged sale, even after multiple letters from me, a blatant violation of the Fair Debt Collection Practices Act, which explicitly requires documentation be provided within 30 days of the first written request. 

I wish to make the following points : I received a letter from Portfolio Recovery Associates, which is attached, dated XX/XX/XXXX, claiming without proof that they had purchased my XXXX XXXX XXXX from XXXX XXXX  ; On XX/XX/XXXX, I sent Portfolio Recovery Associates a requesting a copy of the sales contract, as proof of the alleged sale. 
In a letter dated XX/XX/XXXX, Portfolio Recovery Associates stated they could provide me payment history on the account, but provided no actual documentation, as is required within 30 days under the Federal Fair Debt Collection Practices Act. Nevada Revised Statutes XXXX etc. also requires written notice. 
I sent a letter to Portfolio Recovery Associates dated XX/XX/XXXX again requesting a copy of the alleged sales contract. 
In a letter dated XX/XX/XXXX, Portfolio Recovery Associates offered a supposed hardship program, but they still have not provided proof of the debt, or if they honor and respect the 6-year statute of limitations under Nevada law. They only vaguely recognize my judgement proof income exemptions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc., but they set a time limit, which the law does not allow. Nevada Revised Statutes says my SSA benefits are protected from consumer debt collection judgements without limitation, so an artificial date such as is in this seems to be prohibited.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
In accordance with the cardmember agreement for my brand new Blue Cash preferred card account, I mailed an arbitration rejection notice to American Express. The cardmember agreement recommends using an AmEx-provided sample opt out notice form available at https : //americanexpress.com/reject, which I did. 

The AmEx provided rejection notice says to mail the form to a different address than is listed in the cardmember agreement. The address on the provided form is only different by one digit in the zip code. I discovered this the hard way because I followed the instructions on the AmEx-provided sample rejection notice, and my rejection notice mail was returned to me by USPS. 

I send rejection notices via USPS Certified Mail with electronic return receipt, as most companies that accept these types of notices do not provide written confirmation of receipt. As I mailed my notice to the address on the AmEx-provided form, I spent {$5.00} in postage for this attempt. 

AmEx must do the following : 1 ) Reimburse me my {$5.00} in postage which was wasted at their provided instructions 2 ) Reimburse me for the time I now have to spend at the post office buying postage for a second attempt 3 ) Correct the address listed on their provided form at https : //americanexpress.com/reject 4 ) Notify all existing AmEx customers of the mistake and provide all customers with a new opportunity to opt out of arbitration. Existing customers that attempted to opt out via first class mail using the incorrect address on the AmEx-provided form may not have been able to opt out properly using a second attempt. AmEx needs to provide their customers with the ability to retain their legal rights which may have been unfairly limited due to AmEx 's error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have US Bank Reliacard Debit Card XXXX provided by PA Unemployment Compensation Program. When I checked the balance on XX/XX/2020, I found fraudulent transactions for the transactions {$1500.00} and {$200.00} on XX/XX/2020 and {$1500.00} on XX/XX/2020. I have not done. Informed the US Bank about the issue. Also filed complaint with local law enforcement. US Bank arbitrarily determined those are undisputable transaction and closed the complaint. Further, despite providing my selfie and government issued ID, I am unable to activate or use my new debit card issued after the dispute was filed. My online access was also compromised by identity thieve who used similar email account. US Bank Reliacard Debit Card service closed the fraudulent transaction case and did not provide the information and reasons and documentations in order for the customer to follow up law enforcement and attorneys. Further US Bank Reliacard Service thwarted activation and access to online account. Request herewith CFPB assistance to secure card activation, account access and recovery of lost funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXXdata breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: NY

Complaint narrative:
I have contacted XXXX  XXXX several times to please update my information since I have paid the off and they have not. There is old information on my credit that should be removed and it is not removed. This is preventing me from obtaining credit as they are keeping my score in an unfair really low number. It is preventing me from obtaining fair credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with with these companies. This is a notice of dispute pursuant to the FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 623 subsection ( 8 ) ( D ). The following accounts are listed below : CHOICE RECOVERY INC # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have The American Express SERVE Card That I received In 2019 for Tax Refund, First Stimulus Check and Anticipating The Next Stimulus Check to Be Loaded onto My Card Soon ; But My Account Had been Locked Because I typed the Password In Wrong Too Many times. I Called The XXXX number on the back that's SUPPOSED TO BE a XXXX Customer Service Call Center But It's just Had a Recording for 3 days That " They're NOT Available To Accept Calls At This Time '' and There's No Other Way to Receive Assistance in Unlocking My Account So I may Use My Card Again. Please Contact Me at your very earliest convenience!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This bank lied to me when I called to report my credit card as lost stolen they said they tagged the charges as fraud and that Im not liable then a month later I get a letter of the claim being denied saying chip was entered I called them they said they filed the wrong Claim as nkt fraud so it was rebilled back to me they said they would fix this they never did I called the back BEVAUSE I got a statement showing a balance of {$850.00} when I had received my ne card and hadnt used it they never took care of the fraud charges and are billing me they said they would fix this mess and adjust my account its not fair they say we arent liable for fraud charges we dont authorize and then they submit the wrong Dispute and admit to me they made a mistake but they wont correct their mistake and I am being billed by their system reversing the adjustments they gave to me this is not fair

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have filed a dispute inregards to the incorrect items on my credit report. Thirtys days have passed well over one week ago ; and as of today I have yet to receive any feedback on my investigation results to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have a XXXX condition, starting in XX/XX/2020 my condition progressed. By XX/XX/2020, I was unable to walk and had to shelter in place at my place of business. Also during that time, I had to quartine until I received a Covid-19 test. Because of the nature of my business a child daycare, I am required to be there from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. I had my daughter to drive by on different days just to check my home. She noticed nothing wrong. On XX/XX/XXXX she went there and found that someone had entered my home. they had placed papers inside my windows, door, and throughout the house. The company that left the papers is XXXX XXXX XXXX. They claimed that they had been hired to winterize my home at the request of XXXX XXXX XXXX XXXX XXXX. I contacted my Bankruptcy Attorney, he contacted my mortgage company PHH. They told him that they had not sent anyone into my home. My gate with 2 locks, entrance, and security door a total of 6 locks had been forced and left open. My home had been vandalized. Personal property was stolen and broken. He advised me to contact the police. When I contacted my mortgage company they denied using this company. I was told that they use a company called XXXX for property preservation. I was told that XXXX had preformed a no contact inspection and found my home to be occupied. I did not find out that they had sent XXXX XXXX XXXX out until I requested a break down of outstanding charges. they had no right to enter my home, my mortgage is being paid. I have been calling PHH since this was discovered in XXXX. They are still investigating, they also claimed XXXX was supposed to do a no contact inspection. We have also contacted XXXX who has always claimed that PHH/Ocwen hired them. A person at XXXX named XXXX stated that they were hired to do winterization on my home. She claimed they knocked on my door 3 times, got no answer, and entered my home. She also claimed they had another work order for my home, but would now cancel it. That is impossible no one can reach my entrance and security doors without coming through a 2 lock gate. The locks on my gate were forced open and replaced with 2 old painted locks that were open. My entrance and security door were forced open. They also hung a keyless entry lock on the handle of my security door making it appear to be locked. I don't understand what type of winterization they performed because now my water heater and furnace have water damage and have to be replaced. they were fairly new, even even XXXX years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX ( XXXX ) XXXX Collection XXXX XXXX Collection account. {$3000.00} past due as of XX/XX/XXXX. 
( XXXX ) XXXX Public Record XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX  XXXX approved a temporary forbearance for my mortgage loan payments on my property located at XXXX XXXX XXXX XXXX, CA XXXX. The forebearance agreement set my mortgage obligation as {$0.00} beginning on XX/XX/2020 and ending on XX/XX/2020. My payments were to resume on XX/XX/2020. My loan servicer is Nationstar Mortgage LLC d/b/a Mr.Cooper. On XX/XX/2020, I attempted to make my mortgage payment online through Mr. Cooper 's website. The website would not accept my payment because the system was recognizing my payment as being 3 months delinquent, and, therefore, automatically rejected my payment. Therefore, I called Mr. Cooper 's customer service department and informed them of my problem on the website and was told that I needed to contact XXXX and have XXXX contact Mr. Cooper and authorize Mr. Cooper to accept my mortgage payment. On approximately XX/XX/2020 I contacted XXXX. The XXXX representative said there would be authorization for payment acceptance put in the notes which would enable Mr. Cooper to accept my payment. On XX/XX/2020, Mr. Cooper accepted my regularly scheduled payment per XXXX 's direction. In XXXX, Mr. Cooper 's would not accept my regularly scheduled payment ; therefore, on XX/XX/2020, I submitted 3 payments of {$4200.00}. On XX/XX/2020, XXXX  XXXX contacted Mr. Cooper for payment history and was told that I had 3 thirty day late payments. XXXX XXXX, my point of contact at XXXX, told me on XX/XX/2020 that payments deferred due to forebearance are not reported as late payments to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
To Whom It May Concern : This complaint concerns my Amazon store credit card account with Synchrony Bank, which became delinquent in XX/XX/XXXX. XXXX XXXX XXXX, XXXX alleges that they bought the account from Synchrony Bank, but the have refused to provide written documentation of alleged sale, even after multiple letters from me, a blatant violation of the Fair Debt Collection Practices Act, which explicitly requires documentation be provided within 30 days of the first written request. 

I wish to make the following points : I received a letter from XXXX XXXX XXXX, which is attached, dated XX/XX/XXXX, claiming without proof that they had purchased my Amazon Store Card from Synchrony Bank ; On XX/XX/XXXX, I sent XXXX XXXX XXXX a requesting a copy of the sales contract, as proof of the alleged sale. 
In a letter dated XX/XX/XXXX, XXXX XXXX XXXX stated they could provide me payment history on the account, but provided no actual documentation, as is required within 30 days under the Federal Fair Debt Collection Practices Act. Nevada Revised Statutes 649.332 etc. also requires written notice. 
I sent a letter to XXXX XXXX XXXX dated XX/XX/XXXX again requesting a copy of the alleged sales contract. 
In a letter dated XX/XX/XXXX, XXXX XXXX XXXX offered a supposed hardship program, but they still have not provided proof of the debt, or if they honor and respect the 6-year statute of limitations under Nevada law. They only vaguely recognize my judgement proof income exemptions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc., but they set a time limit, which the law does not allow. Nevada Revised Statutes says my XXXX benefits are protected from consumer debt collection judgements without limitation, so an artificial date such as is in this seems to be prohibited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: KS

Complaint narrative:
I have gotten a loan a month after covid happened. I was expected to make payments on the loan waiting for unemployment. I was approved for unemployment and have gotten a check. I made 1 payment to my loan then unemployment stopped paying me without any letter or call to me. Months later I still file every week but still no other payments made to me. I have called unemployment numerous if times can't get any answers. After filing each week for unemployment 8 months to this date I haven't recieved a payment it shows they owe me XXXX but hasn't sent any monetary funds to me they know it's a pandemic and 8 months without any funds causing interest on my loans and harassed daily by the company to repossess my vehicle after numerous of times letting them know of my economic hardship. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: OH

Complaint narrative:
After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with with these companies. This is a notice of dispute pursuant to the FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 623 subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: OH

Complaint narrative:
After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with with these companies. This is a notice of dispute pursuant to the FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 623 subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CA

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation