vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We closed our mortgage with NewRez LLC XX/XX/2020 due to refinancing. We were told we would receive our escrow balance, which ended up being significantly less than what we were expecting. XX/XX/XXXX county tax bill was paid TWICE for {$2300.00} by NewRez LLC. They told us they paid our first and second county tax installments for the year. But the county proves they only received one payment for XXXX. We still owe our XXXX installment. We have spent hours with them on the phone. Their customer service agents agree that they owe us money and they say they will get back to us in a week and we never hear from them again. No responses to emails or phone calls.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have dispute this creditor and they say I owe it which I never sign for any car loan. I demand it off my credit report its not mine. Someone else used my credit and received a car not me. If its not off I will sue the company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello CFPB Staff, May you be well and safe. This is a two-part issue. 

( 1 ) I owed {$4300.00} to Chase Bank Card Services ( XXXX XXXX XXXX XXXX, DE XXXX ). My credit report indicates that this account was closed XX/XX/XXXX. However, I was actively paying this balance off through XX/XX/XXXX via my online Chase login. When logging on in XX/XX/XXXX to make a payment, I didn't see this particular account on my profile. Chase gave me no warning that they were closing this particular account. I called customer service and they could not give me a good reason and basically indicated that I was taking too long to pay. Therefore, I would like Chase to make this particular account active again and to remove any derogatory remarks from my credit report. 

( 2 ) On XXXX  XXXX, XXXX I made paid {$2100.00} to XXXX XXXX XXXX ( XXXX XXXX TEL ID : XXXX ). I think they violated contract law because at no time did they indicate to me that I did not have to do business with them. I felt stressed, pressured, and extorted as they said I had to choose payment option A or B. I did not know that I had option C, not to do business with them. But I did pay them and no derogatory remarks were supposed to be placed on my credit report concerning this particular account. Therefore, I would like XXXX to give me back my money or do what they need to do to make sure no derogatory remarks associated with this particular account appears on my credit report. 

I seek remediation and rectification. Thank you for your help with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  my account was drained of all the money I had which was {$400.00}. The account was presumably hacked or I believe Chime had something to do with it. Usually I login with my Face ID and it unlocks the app right away however the app had logged me out of my account which was very odd and to see that there was a transfer of {$400.00} to a XXXX XXXX I was very sad and hurt to see this because I need to pay bills and use this money for food. I just wish that Chime does properly investigate my case and return my money because this was definitely a transaction that was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
I am not aware of this account or whom the original creditor was. I have attempted to dispute it with the credit bureaus and it keeps coming back as " validated. '' This company has never responded directly to my requests for verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Am writing to dispute these collections accounts. Under the laws of the FDCPA and under the advice of my attorney, I have already sent a dispute to the agency requesting validation of the debt with no response, asking them to validate my debts, and the receipt showing that I send this letter certified signature requested. This debt are not mine and I was given no evidence of my obligation to pay this debt to these collection agencies. Therefore, I have sent these agencies a Cease and desist Order and have complained to u CFPB. With that said, you are obligated by law to remove the item immediately before Im force to take legal action.

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 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OR

Complaint narrative:
On XX/XX/2020 I paid Amerisave Mortgage a {$500.00} mortgage refinance application fee. The fee is held to process the refinance and pay for loan processing services. During the loan processing Amerisave made several errors such as sending my credit score disclosure to the wrong person, loosing employment verification information and unable to explain the fees associated with the refinance transaction. Due to these issues my refinance was delayed by processing thus making it almost impossible to obtain favorable loan terms. Do to these issues they were unable to deliver the product that I paid {$500.00} for and have not responded to my request for a refund both submitted via email to the mortgage originator or the XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2020 I opened three dispute wit Experian. One account was a credit card I never applied for that had a {$89.00} with XXXX XXXX. I explained this to Experian Dispute Department alone with the fact that I can't get intouch with anybody from this company. 
The next account was to update a pass due balance that still showed I owed {$380.00} when I paid off the full balance and verified it with the company that they received my payment. 
The last account was for a company I never used and dispute that I didnt know this company. 
Two days letter I checked my credit report with experian and they closed all my dispute and nothing was changed. I have these same dispute open with XXXX  and XXXX  and the Dispute are still open. Experian DID NOT CONTACT OR WAIT FOR A RESPONSE FROM THE COMPANIES. THEY closed my dispute without notifying the companies. Nor did I receive any letter, email about why the dispute was closed because they don't want to do there job.

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 2020-11-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
on XXXX2020 and XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I truly fell like I'm being taken advantage of and being ignore of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it have been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten 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 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for a line of credit through Amazon to help build my credit & purchase a house for my new family. Every attempt I had made to make a payment was repeatedly rejected until the very 1st payment was past due. even with new forms of payment. At that time my 1st payment became delinquent I had given up any hopes of building & establishing credit since they had already damaged it severely. 
This has caused a major hardship on our life & stress. I have been yet again working on my credit again in hopes to one day have a home if our own, & here years later, the only thing effecting those efforts is the Amazon collection. I disputed with the company once & they at that very moment wrote it off as a charge off. I'm still receiving multiple collection letters from them at least once a month. I do not believe that the collection was just & should be removed from my credit since I had made all possible efforts at the time to pay & was denied that privilege.

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 2020-11-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is reporting inaccurate information on a XXXX XXXX proof of the incorrect information attached as exhibit A

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 2020-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  is reporting inaccurate information on a XXXX XXXX proof of the incorrect information attached as exhibit A

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 2020-11-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
on XXXX2020 and XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I truly fell like I'm being taken advantage of and being ignore of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it have been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I have previously sent LVNV FUNDING a request to validate this debt, for the following account numbers, on XX/XX/2020 XXXX Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given LVNV FUNDING 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter on XXXX/XXXX/2020 Since LVNV FUNDING are still reporting this account on my credit report, LVNV FUNDING are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from LVNV FUNDING by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from LNVN FUNDING within 15 days. LVNV FUNDING should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put LVNV FUNDING company in serious legal trouble with the FTC and other state or federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I have disputed the debt multiple times and have never received verification of the debt being reported by Portfolio Recovery Associates, LLC ( a subsidiary of PRA Group , Inc. ). The agency has changed details reported about the type of debt multiple times including reporting it as a changing account dates, reporting balance history as missing data after having previously reported data for that month, originally reporting the debt as credit card, followed by reporting the debt/themselves as factoring debt/company to circumvent the Fair Debt Collection Practices Act and then changed to reporting the debt as an installment loan. The company has responded to disputes by slightly alter some detail reported

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: GA

Complaint narrative:
In violation of FCRA 605b and Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act Experian is refusing to reinvestigate confirmed fraud even though it has received new documentation dated XXXX/XXXX/2020. All other bureaus complied several months ago.

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 2020-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth Financial systems, XXXX XXXX XXXX, XXXX XXXX, PA XXXX Account # XXXX Commonwealth Financial systems is reporting a dept that I have no knowledge of and that the listed original creditor can not verify after contacting. The listed date of first delinquency date XX/XX/XXXX to the listed Assigned date XX/XX/XXXX date Exceeds the 5 year Florida statue of limitations for collecting medical dept. this account was outside of the statue of limitations at the time of reporting please REMOVE THIS ACCOUNT. 
The listed account number does not match the account # provided on their notice. 
The listed balance does not match the balance listed on their notice. 
Commonwealth Financial systems did not provide me a notice and give me 30 days to respond prior to reporting. Their notice was provided XX/XX/XXXX nearly 3 Months after they listed the account on my credit report. The notice was provided after I disputed the information stating that I did not receive a notice. 
It is required by law that the information on my report be accurate PLEASE REMOVE THIS ACCOUNT! It is reporting inaccurate information and I have no knowledge of it. the listed original creditor can not validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
for Bank has failed to provide any documentation or evidence that confirms that I made any charges they are claiming, no receipts no dates of purchases no POS info and no evidence linking me to the charges

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 2020-11-23 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: NJ

Complaint narrative:
Equifax just dropped by credit score by XXXX points for information that is very old. These guys are ruining my credit score during a pandemic over something that is supposed to be put on hold. I went from XXXX to XXXX for information that is very very old. THIS IS ABSOLUTELY INSANE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: Chime Financial Inc
State: FL

Complaint narrative:
Back in XXXX I had fraud occur on my Chime account. Ive previously had this issue in early XXXX and even in XXXX and chime didnt find in my favor so I asked for a block to be placed on my account for a the XXXX XXXX company because I do not have an account with XXXX XXXX and I was tired of my funds being randomly debited. Fast forward to XXXX and another $ XXXX is removed from my account this time is much more than the previous and again Chime response is there was no error. Now Im out over $ XXXX and chime is telling me its not their problem. I was told I would have zero liability with card yet from what I can see so far Im the only person paying and as a single mother of two I cant afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc.
State: MO

Complaint narrative:
Re : Unauthorized Credit Inquiry Account # XXXX XXXX XXXX XXXX Swiss Colony/XXXX and/or Colony Brands in XXXX, Wisconsin I have been a loyal customer of XXXX since XXXX, XXXX. During this time, I have enjoyed the clothing, shoes and boots. Choosing to pay down my balance before ordering anything else, which Ive done my current credit limit is {$1100.00} ; available credit is {$1000.00} with an outstanding balance of {$150.00}. 

On XX/XX/XXXX recently receiving your current catalog I saw a beautiful sequined dress and placed an order for it. On XX/XX/XXXX I received and email stating that I needed to pay for the item in full. On XX/XX/XXXX I was notified by XXXX that a hard inquiry was made by Swiss Colony/XXXX  on XX/XX/XXXX that I DID NOT AUTHORIZE. Further, XXXX reported AGAIN to the three credit reporting agencies that I was 30 days late I was 30 days late in XXXX, XXXX which was reported XXXX, XXXX. However, XXXX also reported the same late payment AGAIN to the three credit reporting agencies on XX/XX/XXXX! HOW CAN YOU REPORT A LATE PAYMENT TWICE it dropped my credit score 30 points for a 2nd time because the same late payment was reported twice!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi will not give me access to my money. I have $ XXXX deposited for over a month. I tried to wire it to an external account of mine. During the wire- the process required me to input a code that was sent to my mobile- I did that and the transaction was confirmed. Later- I was called by a representative- trying to confirm my identity. She sent another code to the mobile associated with my account- which I read back to her. I just recieved a note from Citi- notifying me that my wire has been cancelled. This can not be legal??

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 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Citi Bank accepted payment via automated phone system on XX/XX/2020 in the amount of {$1000.00}. Citi Bank withdrew the {$1000.00}. from my bank on XX/XX/2020. Today is XX/XX/2020 and Citi Bank has not posted the {$1000.00} payment to my account. Citi Bank mailed a statement to my home continuing to charge interest claiming unpaid balance.Citi Bank automated robo calls to my business phone 4-5 times per day and weekends wanting payment.Citi Bank representatives call me live on business phone harassing me for late payment when the {$1000.00} payment was made early.

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