vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to Equifax of how they've re-aged a collection account which is a clear violation of the Fair Credit Reporting Act. Equifax has not responded to my requests and refuses to remove the account. This illegal account is damaging my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
The company reporting a collection on my credit report has not responded to any of my request to show proof that this debt is mine. This unverified account is affecting my ability to obtain credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: TX

Complaint narrative:
In XX/XX/XXXX, I charged airline tickets using my Chase Sapphire Reserve XXXX to fly on XXXX XXXX in late XXXX and XXXX XX/XX/XXXX. XXXX offered to give me points ( flight credit ) after the flights were cancelled due to COVID19. I accepted this offer since the flights were non refundable. However, in XX/XX/XXXX, XXXX XXXX contacted us to let us know that they have cancelled service to the US indefinitely ( possibly permanently ). I immediately reached out to them for a refund, which they denied. They claimed I could use the points while in XXXX, but I do not live in XXXX. I filed an appeal with them, which they again denied, claiming that they had earlier offered me a refund, which is completely false. To be clear, XXXX XXXX has never offered me a refund. Recently, XXXX sent out communications prohibiting the use of points to travel on their airline through the end of XXXX. So, their original position that I could use the points is simply not true. At any rate, XXXX has been unjustly enriched by the {$5000.00} they have received from me for services they have no intention to provide at any reasonable time. 

At the same time I pursued a refund through XXXX, ( XX/XX/XXXX ) I reached out to Chase and filed a claim to have the charges reversed, as I paid for a service that I never received. I informed Chase that XXXX has defrauded me of my hard-earned money. Chase refuses to intervene on my behalf despite my long-standing status as a Chase card holder. I pay my Chase credit bill in full every month, and have done so for years. Chases position is that the charges took place too long ago for them to assist. This is an unreasonable position, as I purchased those tickets as early as possible to secure a reasonable fare for international travel. For a family of XXXX, waiting to the last minute to book flights would be cost-prohibitive. By their reasoning, anytime after XX/XX/XXXX would have been too late for them to intervene, even though the travel dates were later in the year. 

As soon as XXXX suspended service to the US, I contacted Chase for assistance as the terms of service from XXXX changed. I am no longer able to get the service that I paid for. On the basis that XXXX has fraudulently withheld my money and denied my valid claims, Chase has the ability to intervene on my behalf. They have declined to do so. To be clear, I enjoy travel, and I pay Chase a large annual fee every year to have this particular card because they have lead me to believe that they will intervene in just this type of circumstance. They will not and have not. My husband wants me to cancel my Chase card for just this reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: E*TRADE BANK
State: AR

Complaint narrative:
E*Trade Bank does not record deposits of Federal Pension checks in a timely fashion as required by Federal Law. This happened today XXXX and now 3 electronic payments have failed due to insufficient funds along with the draft for my life insurance. The amount of the deposit which is {$5000.00} may show up later today and may not -- law requires them to post deposit no later than XXXX am the first work day of the month. This is not the first time this has happened and they do not care as they are a subsidiary of XXXX the most penalized bank in the history of the world. Please require them to post Federal retirees checks in a timely fashion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
We were told that our mortgage servicer was switched from XXXX XXXX  to Roundpoint Mortgage in XX/XX/XXXX. 

In XX/XX/XXXX, Roundpoint began taking XXXX  mortgage payments from us a month, putting us into overdraft. 

After the first withdraw, which was a week early on XX/XX/XXXX, I called them and asked why they withdrew early. They ensured me that it was a mistake but I would not be withdraw again at the end of the month ( XX/XX/XXXX ). 

I found out today they took another monthly payment from my bank for the month of XXXX. After hours on the phone with them, they said they had no way of refunding my payment and that I would still have to pay on XX/XX/XXXX. 

This company is a fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: MA

Complaint narrative:
I noticed a hard inquiry report from jp morgan chase bank on XX/XX/XXXX of this year. I wanted more information why and what this was from because I know I made no requests for anything to be done. 

I first tried to call chase bank and was told they had no information whatsoever from this date and new application data was not available after 30 days of inquiry. ( Called today XX/XX/XXXX ). This to me is obsurd. They told me I had to call transunion to dispute it. 

XXXX gave me way better information about the inquiry and alerted me chase bank sent them information tied to the wrong first name as well as a NY address. This is terrible due diligence on chase to even begin a credit check based on this information and wrong phone number to boot. This was clearly a fraudulent application that should've never gotten to a credit pull stage. 

I would like to have this hard inquiry removed from my credit report on transunion as it was clearly fraudulent and affecting my credit. Futhermore, Chase should really fix their process, I have been a loyal customer to them for a while also I will note.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 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: PA

Complaint narrative:
, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$3700.00} ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$7100.00} ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$1800.00} ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$3400.00} ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$1800.00} ACCOUNT NAME : DEPTEDXXXX ACCOUNT NUMBER : XXXX Balance : {$3700.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature.

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 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
Last year received a multitude of phone calls regarding an alleged debt. Company was asked to not contact by phone but to send a letter via snail mail with detailed billing information from alleged originator of debt - which was more than 10 years old.

Never received, continued to received phone calls, family members received same, asked them to stop again and send me the detailed info as asked. 

Continued harassment. 

Got a letter today stating if I paid the debt by certain days they would offer payment options. Tired of harassment, know that the original debt was partial paid and forgiven ( sent documention ) more than eight years ago, and didn't wnat anyone else bother. I paid online the first option. 

So sick and tired of companies like this ( and there are three involved ) getting away with bullying, harrasment, skip tracing and all sorts of stuff. I would understand if I was someone avoiding paying my debts, but I have never hidden from anyone. 

Times are hard all around and I am sorry for any debts I owe or have owed and have been late paying etc, but whenone has been partially paid and forgiven and there have been circumstances .. and to try and collect a decade later and be sneaky about it ... Shaking head, shameful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01 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: Medical Data Systems, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : On or around XX/XX/XXXX a letter from XXXX Law who is acting on my behalf forwarded a dispute and inquiry to XXXX. XXXX received this dispute and inquiry as no return letter has been given to myself or XXXX XXXX to establish a wrong address. Therefore, the XXXX address is correct and mailing was complete. Thus, it is presumed XXXX received this letter pursuant to Florida and Federal law. 

See the case Perry v. GMFS , LLC, No. 2 : 18-cv-01572-MHH ( N.D. Ala. Sept. 23, 2020 ) ( " The presumption of receipt arises upon proof that the item was properly addressed, had sufficient postage, and was deposited in the mail '' ) ( " citing Barnett v. Okeechobee Hosp. , 283 F.3d 1232 ( 11th Cir. 2002 ) '' ). See also Berwick v. Prudential Property & Cas. Ins. Co., 436 So. 2d 239 ( Fla. Dist. Ct. App. 1983 ) ( " It is presumed that mail properly addressed, stamped and mailed was received by the addressee '' ). 

IN THIS INSTANCE DSK Law properly addressed and mailed to XXXX the dispute and inquiry on my behalf. Experian has received the dispute and inquiry from XXXX XXXX. Thus, XXXX is purposefully refusing to investigate and respond back to XXXX XXXX with the results of the investigation. 

Furthermore, XXXX is continuing to allow information that has been identified as information being reported as a result of identity theft ( i.e. XXXX XXXX XXXX ; XXXX XXXX XXXX ; Medical Data Systems, Inc ; XXXX XXXX ) and allowing outdated information to remain on my report ( i.e. XXXX XXXX XXXX XXXX being remaining more than seven ( 7 ) years on my report ). 

Please investigate this matter as XXXX is attempting to circumvent the legal process and avoid their statutory duty pursuant to the FCRA to investigate and respond accordingly to the findings. 

Thank you for your attention to this matter and I look forward to hearing from your office soon. 

Sincerely, 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 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX, XXXX XXXX called me ( I am the XXXX for XXXX XXXX ) on XX/XX/XXXX. Said they are calling about a XXXX XXXX account from XXXX XXXX did not know what this was for. He told me that on XX/XX/XXXX and told my mother the same thing. My mother has XXXX and would have no way of knowing what this was for. I asked for proof and an agreement letter was emailed to me. I sent a response on XX/XX/XXXX. We have never heard anything else. Today, XX/XX/XXXX, someone called, I do not know her name. The telephone number was XXXX and she said she was calling from Pennsylvania. She told me that they own this debt and I had talked to her co worker. I told her that my mother doesn't owe them anything. She told me that at the end of the day my saying that means that it is owed and is a refusal to pay. They bought something that is not owed and they are trying to get my mother and/or me to pay for this. My sister paid an account in XXXX for my mother to XXXX XXXX but we have no proof because it was so long ago. My parents filed bankruptcy in XXXX and XXXX, XXXX XXXX pointed that out in our conversation. If this debt was owed in XXXX it would have been included in a bankruptcy We have never heard from this company or XXXX XXXX until XXXX of XXXX. My parents were removed from their home in XXXX and placed in the care of social services until I brought them to Virginia. I need someone to help with this harassment by USI for something that is not a valid debt. Copies attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: FL

Complaint narrative:
There are multiple accounts that are inaccurate. I have asked many times for these accounts to be verified and Experian reports back every time that they have been verified. 
I feel that Experian is not verifying these accounts and I will show proof that they are not verified and want each account DELETED immediately!! 

1 ) XXXX XXXX - inaccurate Balance and monthly payment as of date listed ( XXXX ) Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment $ 100 Monthly Payment {$0.00} 2 ) XXXX XXXX XXXX XXXXinaccurate payment history consecutive 60 days, 30 days and 120 days late. 
Payment Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Inaccurate payment history multiple XXXX late dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment History Multiple 120 late dates XXXX XXXX XXXX ) XXXX XXXX XXXX original loan amount and no original date. This item is over 7 years old from first default. 

Payment Info Original loan amount - Balance- {$1200.00} Status dateXXXX 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 2021-04-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX INVEST Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  Dispute this Address Date of inquiry P.O BOX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry P.O BOX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX DEPT. 
Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX DEPT. 
Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX CREDIT TECHNOLOGY Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX CREDIT TECHNOLOGY Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry P.O BOX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX - CARD SERVICE Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX 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 explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Four Directions Lending LLC
State: TX

Complaint narrative:
I established a loan with West Side Lending XX/XX/2021 for {$200.00}. It was a payday loan. Their website offers a " Member '' selection option to login, make a payment, sign your agreement. However none of the options are working and haven't worked from the time the loan was approved. I was never sent the loan agreement or payment schedule and have no visibility into the status of my repayment. Their communication is lacking in that the phone number is not working and they are slow in responding to email communications. I believe I've repaid my loan in full but they are still withdrawing money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: FL

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX my wife and I exercised our rights to cancel the loan we closed with SunTrust Bank on XX/XX/XXXX. On XX/XX/XXXX we made a written request to SunTrust Bank for a refund of all fees paid by us in connection with this transaction.

We had paid a total of {$580.00} for an appraisal and a credit report.

We received a letter from SunTrust Bank dated XX/XX/XXXX that stated in part " we respectfully decline your request for reimbursement. '' OnXX/XX/XXXX we sent a letter to XXXX XXXX at SunTrust Bank asking that they reconsider and included the wording from Section XXXX - Truth in Lending, specifically paragraph 23 ( d ) ( 2 ) which directly addresses our issue with SunTrust Bank. 

OnXX/XX/XXXX I received a call from XXXX at SunTrust Bank and she informed us again that SunTrust would not refund the {$580.00} we paid in connection our mortgage refinance request. 

I will note I called your agency in XXXX to discuss the section of Truth in Lending noted above and was told clearly that SunTrust must return these funds. 

Please let me know if you need anything further from me at this time. Thank you in advance for trying to help us.

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 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Received letter lowering my credit limit and affecting my credit score.

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 2021-04-01 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: PA

Complaint narrative:
The company reporting a collection on my credit report has not responded to any of my request to show proof that this debt is mine. This unverified account is affecting my ability to obtain 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