vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this PORTFOLIO RECOV ASSOC was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 at XXXXXXXX XXXX an unauthorized fraudulent wire transfer was made from my checking account by a person unknown to me. I went immediately to my nearest Chase Bank branch. At XXXX the XXXX Banker make a request to recall or stop the fraudulent wire transfer. The wire was not stopped or recalled and a thief got {$14000.00} out of my checking account. I have been trying since that day to get resolution but have not received my funds back and it appears that Chase has no intent to refund them.

I did what I was supposed to do. Chase did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: ME

Complaint narrative:
1- Around XX/XX/XXXX I was contacted by Freedom Mortgage regarding a zero fee refinance. I had previously opted out of all solicitations by Freedom Mortgage. 

2- Repeated requests were made by me, the borrower, to bring cash to closing so as not to increase the value of the loan. Representatives of Freedom Mortgage always acknowledged the requests and ensured that all costs would be due at the time of closing. Representatives of Freedom Mortgage never followed through on those requests despite providing proof of funds on XX/XX/XXXX & XX/XX/XXXX. All associated costs were rolled into the loan which increased our total loan cost and added additional interest. 

3- After receiving a final closing disclosure on XX/XX/XXXX and being explicitly told by two freedom mortgage representatives that no conditions would change prior to closing, Freedom Mortgage issued a revision to the closing disclosure on XX/XX/XXXX, the date that closing was scheduled. The closing notary arrived at our house at which point I identified the discrepancies. At no point prior to closing was the revised closing disclosure provided to us as borrowers. 

4- No resolution has been achieved regarding false statements made from Freedom Mortgage staff, misrepresentation of terms of the refinance, cash to close discrepancies, bait and switch tactics, or other consumer protection violations that are likely occurring. As young borrowers of relatively low means, I believe this loan was designed to target us as vulnerable candidates to predatorily pursue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
I have a loan with CAMPUS PARTNERS. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX  Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: IL

Complaint narrative:
I called Transunion yesterday to follow up on my dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company has been harassing me for some time now reaging my account by adding a dollar and taking a dollar away, also adding late payments to my report and this is all illegal per fcra.I called several times about the wrong doing of this account to transunion and transunion hasnt did anything about it. I dont get how you can report information that isnt accurate and transunion is one of the 3 that should really be fair to both sides. But I never felt like that honored me as a customer. Transunion makes me feel very little as if I dont exist.I spoke with a XXXX XXXX yesterday about my dispute, I wrong to transunion about the XXXX XXXX XXXX  asking for a method of verification. I asked transunion to give me the detailed on the investigation with my account because every time I dispute it comes back as verified such as now. When I called XXXX told me that the account came back as verified, I informed him that I didnt dispute anything I just wanted info on the investigation such as a wet signature, who the transunion representative talked with to make sure the account was accurate and etc. I told XXXX that I also requested that if the info wasnt provided that the account should be deleted. XXXX told me that transunion doesnt do mov and they dont send out anything they send to the creditor so they can provide me with the info, but I was confused because I didnt ask the lender I asked transunion to provide me with the mov. XXXX credit didnt send me anything but a letter asking me to settle. Transunion isnt following the guidelines of fcra and my credit is taking a hit because they show that they dont care about the consumer at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 — Card was charged for something you did not purchase with the card
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I applied For this credit card to use to improve my credit score. I rcvd 2 credit cards and had not used either prior to being XXXX  at a XXXX XXXX  for 5 days. ( this was the first time I have ever been in trouble like this and it was due to my son missing too many days of School bc he was being bullied, I am not a XXXX or someone who breaks laws EVER ). While I was XXXX both of these cards were maxed out. I did not use them and It was impossible that I could have being where I was, I had no way of using them even if I wanted too. The other company understood and to Care of it for me, dissolving the debt. But, this company refuses to listen to me or the XXXX of this into consideration. I have edge reached out several times, including immediately after I was released and found out about the charges. I don't know what more I can do. I have always paid my debts, never had to dispute charges either. I should not be held responsible for charges i did not make, it was impossible for me to make. From what I found on the statement it looked like all the charges were made online for services? But I'm not entirely sure, the aren't my charges so I really don't know any more then what the statement provided me, which wasn't much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had {$500.00} in fraudulent charges on my unemployment benefits prepaid card issued by Bank of America. I filed a dispute and got a letter from Bank of America stating that they have creditED my acct for {$500.00} on XX/XX/2021. Clearly a lie because here we are at XX/XX/2021 and I have yet to recieve the credit to my acct. I have spoken to the dispute dept at least once a week who have put in a ticket for missing funds. STILL hasn't been done. I have also spoken to many supervisors. Today after spending 40min on the phone asking to speak with a manager I finally was transferred to a supervisor, yet again! XXXX, a supervisor for the prepaid claims dept basically told me OH WELL! There is no ETA for when the money will be deposited despite the XX/XX/XXXX letter stating that the credit was already taken care of. And the dispute dept is the last level of recourse for me and nothing has been done. I have bills to pay!!! This is ridiculous and I'm at the end of my rope with this 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 monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
Ive sent multiple disputes to both h & r accounts and the bureaus trying to get theses accounts off my report. Ive demanded if the account cant be proven to be mines to delete them immediately. Ive requested to be exact 4 methods of verification 2 to the bureaus which are saying that they sent my dispute to h & r accounts so they can send what Im asking. Which is by far the wrong explanation because I asked them for their method of verifying the debt from the lenders just from their investigation. The most important thing Ive asked in all of my disputes is to delete the account if verification isnt provided. Yes I received a letter with just numbers. Im guessing thats the bills I supposedly owe. I asked for a signed contract with my written signatures and have yet to see them and if I dont have a signed contract with them which is me agreeing to the terms, I dont owe anything and the accounts need to be deleted. My account has taken a hit since these fraudulent accounts have been on them and they shouldnt be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: VT

Complaint narrative:
On XX/XX/2021 I received an initial communication from National Credit Systems stating that a debt was owed. 

On XX/XX/2021 I requested, via certified mail, a validation of that debt also asking that they verify that they are legally authorized to collect on that debt. 

On XX/XX/2021 I received a letter from XXXX XXXX stating that I haven't made a suitable arrangement to resolve this debt. Violating the FCRA On XX/XX/2021 I sent a follow up letter, via certified mail, because I had not received validation or verification. On this date National Credit Systemts effectively violatined Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

On XX/XX/2021 I received communication stating that they haven't received information to validate my dispute. 

On XX/XX/2021 I send a follow up letter to the correspondence I received on XX/XX/2021 to provide National credit Systems with further information to " validate my dispute ''. 

On XX/XX/2021 A collection was reported on my account in further violation of the FCRA. 

To this date I have not received proper notification that its a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: PA

Complaint narrative:
I have been reaching out to Experian concerning to previous complaint about the inaccuracy being reported on my report. However, Experian have failed to provide me any feedback and updates with regards to my concerns. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following inaccuracy I found on my report : XXXX XXXX XXXX XXXX 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 2021-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX on XX/XX/2019 XXXX XXXX on XX/XX/2019 XXXX on XX/XX/2019 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax received my FTC report and communicated to me that they wont comply for a reason i find to be fraudulent in its nature. One of the representatives from Equifax told me that I cant put more than 5 inquiries on a report, No evidence supports this claim.

Another representative told me they only remove Hard inquiries can be removed ; the law does not differentiate any distinctions between hard and soft inquires. They are telling me that they wont remove the inquires. One representative lied and said that i gave Written Permission to furnish any information to my report. I asked her to send me proof and she refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent all 3 credit reporting agencies ( XXXX XXXX, and Experian ) letters notifying them that I'm a victim of identity theft. Neither company has removed any of the accounts from my Consumer report I've Sent in all documents pertaining to the case including a police report. I want all accounts removed from my Consumer report immediately. 

Also, XXXX XXXX, and Experian are in violation of the FCRA. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

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 2021-07-23 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: OneMain Finance Corporation
State: MI

Complaint narrative:
Onemain Finance, I asked them to remove 2 late payments from my credit reports and they did not. one late payment was in XXXX or XX/XX/XXXX and second one was in XX/XX/XXXX. I received one late payment because my car was total and onemain could not modified was owed to them until they got the insurance pay off. Onemain told me to do nothing until the claim come through, I did nothing and they put a late report on my credit report. the first one was more of the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
Last year 2020 I made I account to cash app had my benefits sent there from unemployment on XX/XX/2020 cash app shut down my account they still have my XXXX and I cant get it off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I made a payment in full on my account on XX/XX/XXXX for {$1600.00}. the amount was deducted from my bank account XX/XX/XXXX. The amount appeared again on the next months statement and has continued to do so since. I've tried many times to resolve this with Synchrony and keep getting told to wait 1-3 billing cycles to see if it resolves. It is now affecting my credit. This needs to be resolved immediately as I've been trying to allow Synchrony to do so for several months. We filed one complaint with CFPB earlier this year. Shortly thereafter, a corporate agent reached out to us, unaware of the CFPB filing and had been working on this issue. In the meantime, another Synchrony employee worked on the CFPB filing and responded as that there was nothing more they could do. The other corporate agent I had been working with disagreed with that assessment and was trying to resolve it. As she was working on it, I did not reply to the CFPB complaint within the allotted time because I was under the belief that it was being resolved by the agent and a response was unnecessary.

Synchrony is incredibly hard to reach, most of their agents have never returned a phone call other than the one I was working with. I have not heard back from her for a few weeks, and have now gotten new statements totaling {$1900.00}, attempting to collect the debt that was already paid in full by myself in XXXX of XXXX. At this point, it's been nearly a year and it's completely unfair of Synchrony to do this to a customer. In their initial CFPB response, I never did hear from the agent working on the complaint and have not ever gotten confirmation from Synchrony that the charge I've been disputing was refunded. There has never been statement provided to me showing credit for the duplicate charge from Synchrony. As such, this still, a year later, has not been resolved.

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 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are 20 hard inquiries showing in my report an I want them removed they are violating my consumer rights. 15 usc 1692k and 15 usc 1605

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been reaching out to Equifax concerning to previous complaint about the inaccuracy being reported on my report. However, Equifax have failed to provide me any feedback and updates with regards to my concerns. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX XXXX  XXXX on XX/XX/2019 XXXX XXXX on XX/XX/2019 XXXX XXXX on XX/XX/2019 2019

Company response to consumer: Closed with explanation