vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc.
State: VA

Complaint narrative:
I don't understand that infomation you need. I don't know anything about the colleccion. A few months ago I found this SIMM ASSOCIATES collection which I sent letters for more than 30 days and I have not had any response from them, THEY DO NOT ANSWER THE LETTER I SEND THEM NOR DO THEY SEND THE INFORMATION REQUESTED TO VALIDATE THE DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A THIRD PARTY OR AGENCY. I have already sent equifax a written instructions to remove accounts off my credit file because I never gave them permission to furnish the report pursuant to TITLE 15 USC 1681b. They have failed to comply and adhere to my consumer rights. The CFPB is supposedly established to help the consumer in these situations. Please do your job and get the positive results I want. There shouldnt be any reason why when I confront a credit reporting agency and show them the code that shows how they are violating my rights that the violation shouldnt be cured immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I currently have a Bank of America credit card that was used fraudulently in XXXX, Bank of Americas own fraud department called me to ask me if I knew these purchases which I replied no somehow the charges still went thru, I dipusted them and got the charges credited now months later their denying the claim saying I did this. How??? This is is crazy I even got new cards sent this is so unfair please help me Im a single dad and cant afford the bills I already have to add more.

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 2022-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: UT

Complaint narrative:
I called in the National credit adjustment XXXX  t pay off debt and was informed there was another debt under my information from the loan place called XXXX XXXX  XXXX in XX/XX/2015. This is untrue, and I would like this looked into. The account number is given to me on the phone isXXXX and another ACT IDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
While I was attending school I called XXXX on XXXX different occasions to ask if what I was doing was correct and would count towards my loans. I was told YES, deferment AND {$0.00} payments due to hardship would count. While I was in school I deferred because I couldnt afford to make payments. When I called prior to Covid I was told I have around 90 paymentsthat counted, which would have put me at 120 during Covid. 
Come to find out none of this was true. Ive lost 7 years of payments I told would count and now I only have XXXX payments in total. I thought Id be finishing and Im literally at the beginning after flat out being lied to SEVERAL times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: TX

Complaint narrative:
I have been having an Issue with an inaccurately reported item on my credit report. XXXX XXXX where my father used my information his daughter to illegally purchase a recreational vehicle without my knowledge. This company has been served with legal documents to delete this item from my credit report and as of one year nothing has been done. The name of the company is 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 2022-02-21 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: TX

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My purchased flight was cancelled due to the pandemic. The airline stated that the ticket could be used for any flight on the same route in the future, with no charge for fare difference. Unfortunately, the airline did not resume flights on that route for over a year, and once it did it was impossible to find a seat. I therefore requested a refund, and was told to submit an online refund request. I did so, but received no response from the airline. I then disputed the charge with my credit card company, but was told I had waited too long ; even though the dispute claim only materialized when it became clear that the airline would not honor its rebooking offer or provide a refund, which was less than 30 days before I submitted my dispute to Chase. 

The customer service representative for Chase advised that I should send a letter asking that the normal time period for processing a dispute be waived, which I did. Chase responded by acknowledging that I " may have a valid complaint with the merchant, '' but nevertheless refused to reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
The entire refinance process was a nightmare. After selecting XXXX Bank because the company is local, found out AFTER closing through an email that I would be serviced by Homepoint, located in XXXX. Never heard of the company throughout the refinance process. Homepoint email directed me to : " Register or login now at XXXX to view your loan information, schedule mortgage payments, access escrow details, view statements, and more. '' I do not want to expose personal data with a company I never heard of. Just want a monthly statement and payment form sent to me so I can pay by mail. I'm considering selling my house to get away from this unknown mortgage company. I know is legal to sell mortgages, but XXXX should have disclosed that they intended to sell it and to whom. Early in the process I had spoken to XXXX XXXX Residential Loan XXXX and XXXX XXXX XXXX XXXX of Residential Lending, XXXX, both with XXXX Bank. Clearly stated to both of them that I was considering XXXX because it was local. They did not inform me and neither did XXXX XXXX, XXXX Attorney who handled the closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America is not helping with my fraud for XXXX with some other charges theyre denying the claim, theyre stating I used the card when they themselves called me and emailed me to tell me that fraud was detected ( please see attachments ) when they called me I told the reps to stop the charges as I didnt auth or agree to them and they said it was taken care of, Now theyre saying that I auth someone to use them and theyre denying them! This is bogus nobody made them purchases but the scammers who received my info. Its crazy how they notify me of the fraud detection and now Im guilty, it makes no sense.

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 2022-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Homie Technology, Inc
State: DC

Complaint narrative:
Our family was subjected to deceptive, coercive, and in some cases illegal, loan practices by Homie Loans, followed by deceptive, coercive, and threatening behavior by our Homie real estate agent, neither of which had our back, but rather, appeared to be actively working against our best interest. 
The loan process was beset by confusing XXXX game tactics, errors, and untruths. Even worse, our loan disclosures were given to us too late to rectify. In other words, it was sign or else. No one likes to be coerced or threatened. 
In the case of the original disclosures, they were provided a full 5 days after our loan contingency had expired. In other words, we only got to see preliminary numbers after it was too late to rectify them. 
We didnt receive our final disclosure until 4 days after our closing date. That is XXXX XXXX XXXX XXXXXXXX  timing. 
Instead of working to rectify our many issues, Homie Real estate threatened us with an action that was forbidden in the contract, and then offered us increasing amounts of money outside of escrow, a practice that we believe to be illegal, unethical, and immoral. 
Homie also actively put our XXXX money at risk, allowing or facilitating our money to be moved from a safe XXXX party escrow account into a Sellers brokerage account. 
All of these actions, and many more not included in this report for brevity, caused us to lose the house that we had selected for our family and suffer a catastrophic loss of our XXXX money, an amount totaling {$7000.00}. This has caused stress in our marriage, sleepless nights, a period with no home, and the inability to purchase another home because of the loss of our XXXX money. In addition, it has caused numerous man-hours in creating this and other reports for review by various legal and regulatory bodies. In short, this event was catastrophic for my family at a time when we are already under duress from countless other outside forces.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: AL

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: AmeriCash Holding LLC

Complaint narrative:
I went in store to Sail Loans to apply for an installment loan on XX/XX/2020 I was offered an XXXX dollar loan.. I was told I would walk out with XXXX and the remaining XXXX I would be able to take from after 90 days. That didnt happen when my 90 days were up. I called to see if I could come in to pull from the XXXX dollars I was told by store manager that I wasnt able to she didnt say any of those things to me! I then respond why would I agree to taking out a loan that I wouldnt be able to have access to doesnt make sense!! I was lied to mislead false advertising and I was taken Advantage of I have XXXX just sitting in my account that I didnt receive but Im paying on it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter to Experian that was delivered XX/XX/XXXX about some inquiries I never authorized please produce what certifiable validation or verification of authorization of the following inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I financed directly with XXXX XXXX  to purchase my vehicle on XX/XX/XXXX these other inquiries are fraudulent and needs to be removed asap. I have XXXX cards open long before XXXX and XXXX long before XXXX. I financed my other vehicle in XXXX of XXXX with XXXX XXXX XXXX so the other inquiries are unauthorized pulls of my report and needs to be removed promptly. 

The only name that should be reported is 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 non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I sent Honda financial a cashier check of {$12000.00}. XXXX the rep from Honda confirmed the check was received. My vehicle will not be released as per Honda because my account has been under review for the last month so I've been told. My car has yet been released from their third party repo company XXXX XXXX. Honda has possession of my vehicle, my assets, and causing delay in my business. Pursuant Truth and Lending Act this is a violation to my rights as a consumer. Honda has not corrected this error within 60 days of discovery and prior to written suit or written notice from me the consumer. The original contract was requested and I was sent a copy without two live signatures. This is fraud. Litigation is sought.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: MO

Complaint narrative:
This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date XXXX inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I secured a XXXX XXXX backed loan in XX/XX/2021 to purchase XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX through XXXX XXXX. The loan was quickly purchased by NewRez ( loan # XXXX ). On XXXX, NewRez mistakenly sent an insurance payment from my escrow to someone else 's insurance account due to what they called a data entry error. I have gone through XXXX escalation processes since then to get the money back, and they have still not put it back into my account. The most recent escalation, a " Refund Return Process '' started jointly over the phone by NewRez Customer Support and Insurance departments on XXXX was supposed to have the money back after XXXX business days, which would have been XXXX. The money is still not back as of XXXX. I called back on XXXX, and the agent says they will not be able to put the money back into the account until the money is returned from the account they sent it to by mistake. This seems counterintuitive, as a party that unexpectedly receives money has no incentive to promptly return it. Instead, it is NewRez 's responsibility to return the money out of their own accounts since the money was misappropriated as a result of their data entry error. I need help to get NewRez to return the money that they misappropriated.

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 2022-02-21 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: MO

Complaint narrative:
This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the account, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned account for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am name is XXXX XXXX and this This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$290.00} XXXX  XXXX XXXX Balance : {$3200.00} XXXX  XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express has a " Reward Dollars '' program which in the past has been paid to me, the cardholder, by check. I called their " Customer Care '' line last week, and I was told that I could get a check after my auto-pay payment came through on Friday. Unfortunately, I did not take the representative 's name because I THOUGHT American Express was an honest company. Today, ( Monday, XX/XX/2022 ), I called their Customer Care line and spoke to a representative named XXXX. He told me that American Express never issued checks for Reward Dollars, although I have received checks from them in the past, and I was told that I could get a check if I called today. I asked to speak to a supervisor. I was connected, after being on hold for several minutes, to a man named XXXX, who said he was a supervisor. ( Although, I found it strange that It took him several minutes to find for me the corporate address, and he did not know what agency regulated the credit card industry. ) XXXX told me that the only way I could get the dollars that are supposedly mine was to apply them to my account. He said that the representative that I spoke to last week gave me incorrect incorrect information. To my way of thinking that previous agent was lying or incompetent. XXXX told me that, if I closed my account because of their policy, my dollars ( almost {$700.00} ) would be forfeited. If this is my earned rewards, how can they just take it? 
I believe, and I told XXXX, that their Reward Dollars program is a scam

Company response to consumer: Closed with explanation