vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have a late payment on an account thats been closed since XX/XX/2020. The late payment is showing from XX/XX/2020. I attempted to pay it online repeatedly but kept getting kicked off for some reason that month. I tried calling but obviously i wasn't the only one having this issue becuase i was on hold for hours and not able to get thru. I attempted to make my payment by using my phone and a computer and it locked me out. I had to go and tried each day for the next week. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They never called or sent me a bill in the mail so I had no other way of paying it. I finally did get it paid and i closed my account the following month. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks

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 2021-09-29 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: MA

Complaint narrative:
Over the last year I have dispute these 3 accounts for different inaccurate i am demanding removal and complete deletion of these accounts based on 15 U.S. Code 1681b - Permissible purposes of consumer reports they have no written consent to report information under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am filing a complaint against Spring Oaks Capital over failure to properly and timely validate an alleged debt. I received notice that I owed {$720.00} on a XXXX  XXXX  allegedly issued to me by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2021, I received a letter via USPS purported to be from Spring Oaks Capital claiming I owed money to them. Immediately I submitted per the FDCPA a request via electronic mail to XXXX, with a return receipt requested on the email. The return receipt confirmed receipt on XX/XX/2021. Copies of the validation request are attached to this email, along with the return receipt. 

No response or confirmation from this was received until XX/XX/2021, when I received a letter in a handwritten envelope, a scan of which has been attached to this complaint. The letter was dated XX/XX/2021. 

Enclosed in said envelope were alleged card statements, with info marked out, along with a letter acknowledging my request. Scans of the statements are not attached to this email. In addition, a purported bill of sale from a company called XXXX XXXX was enclosed. After research, XXXX XXXX was another debt collection agency and not the creditor responsible for issuing the XXXX XXXX and therefore NOT the original creditor. The bill of sale does not indicate anywhere that my alleged account was included within that particular bill of sale and no other information was provided by XXXX XXXX. No cardholder agreement was enclosed within the packet as well. This does not meet the standard required under the FDCPA or Texas Debt Collection Laws. 

On XX/XX/2021, I received notice by way of credit monitoring that a new account that I had not opened was placed on my credit reports. After a review of the information provided by the monitoring services, I found that XXXX XXXX  placed the information on my credit report. 

Under Texas Debt Collection law, a debt collector must validate the debt within thirty calendar days. A validation notice was sent and received by XXXX XXXX on XX/XX/XXXX and no response was given until the letter dated XX/XX/XXXX was received, well past the 30 day deadline as outlined in Texas law. In addition, XXXX XXXX failed to provide surety bond information as required under Texas law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 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/XXXX I MADE A PAYMENT AGREEMENT WITH THE CREDITOR " XXXX XXXX '' ON MY CREDIT REPORT. IT WAS A CHARGE OFF. XXXX XXXX  HAS NOT REPORTED PAYMENT OF THIS CHARGE-OFF 'D ACCOUNT AS " PAID OR PAID CHARGE-OFF ''. I HAVE DISPUTED THIS 2X ALREADY. ASKING TO HAVE THIS ACCOUNT REPORTED ACCURATELY AND SPECIFICALLY AS A " PAID - CHARGE-OFF ''. CURRENTLY MY CREDIT REPORT UNDER THIS ACCT HAS MY " CURRENT ACCOUNT STATUS '' as CHARGE-OFF '' I GET EMAILED THAT THE DISPUTE HAS BEEN RESPONDED TO. THE DISPUTE ASKS FOR " VERIFICATION OFF PAID CHARGE-OFF AS AGREED '' STATUS THE CREDITOR RESPONDS " THERE IS A XXXX BALANCE / ACCT IS CLOSED '' AND IM TOLD THAT THIS DISPUTE HAS BEEN ANSWERED. IT HAS NOT BEEN ANSWERED... THEY DID NOT EVER STATE THAT THE CHARGE OFF IS PAID OFF AS AGREED. EQUIFAX REPS TELL ME THAT THEY HAVE RESPONDED TO MY DISPUTE... BUT THEY HAVE NOT. EQUIFAX TELLS ME THAT " ACCOUNT PAID/ XXXX BALANCE / ACCOUNT CLOSED MEANS " CHARGE OFF PAID '' BUT WHEN I ASK THEM TO THEN CORRECT MY ACCOUNT STATUS TO REFLECT THE DISPUTED " CHARGE OFF as " PAID CHARGE OFF '' THEY SAY " XXXX XXXX NEVER REPORTED THAT IN THEIR RESPONSE TO MY DISPUTE..THEY SAID XXXX BALANCE / ACCOUNT CLOSED '' THEY CANT MAKE CHANGE BECAUSE IT WASNT REPORTED THAT WAY '' I SAY ... THEN THEY HAVE NOT ANSWERED MY DISPUTE!!!! I ASK FOR A SUPERVISOR ... GET PUT ON HOLD THEN HUNG UP ON. 4X IN A ROW ON XX/XX/2021. 

CANT BE RESPONDED TO DISPUTE ... .THEN SAY YOU CANT MAKE CHANGE BECAUSE THEY DIDNT SAY IT IN DISPUTE DIRECTLY... THEM NOT ANSWERING IF THE ACCOUNT IS A " PAID CHARGE OFF IS WHAT I DISPUTED AND WHY ITS NOT REFLECTED ON MY REPORT. THEY NEVER ANSWERED THAT ... .BUT SAID AGAIN ... XXXX BALANCE - ACCOUNT CLOSED. THAT WAS TAKEN AS AN ANSWER TO MY DISPUTE ABOUT IT BEING A PAID CHARGE OFF. 

THEY REFUSE TO ACKNOWLEDGE DISPUTE WAS NOT ANSWERED PROPERLY THEN AND SAY THAT IT IS BEING REPORTED PROPERLY. PLEASE HELP WITH THIS ISSUE AS I HAVE DISPUTED MULTIPLE TIMES WITH EACH AGENCY WITH NO PROPER RESULTS ON DISPUTES OR HOW REPORTED ON CREDIT REPORT. EQUIFAX IS RUDE... UNPROFESSIONAL UNWILLING TO FOLLOW OR MAINTAIN THE GUIDELINES THAT CREDITORS HAVE TO ABIDE BY IN THESE INSTANCES AND I WAS TOLD TO CONTACT CREDITOR... REALLY ... I DID.. THRU EQUIFAX AND THEY TOOK A NO ANSWER AND MADE IT AN ANSWERED AND CLOSED DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My account information was provided to 3 credit reporting companies without my written consent. No consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Due to the global Covid-19 Pandemic I was struck with the worst luck anyone could imagine. Picture being over XXXX XXXX XXXX unsure how far along, as a woman, someone is as well as allowing another individual trying to defraud what is in a name collecting food stamps, paying for an unexpected XXXX, and than immediately working as a XXXX in one state and being told that a professional is not a professional unless proven by a certificate that was documented by another medical Home Health agency proving the fact ( s ) of the individual 's work history. Than to top it off, being promised this PUA ( Pandemic Unemployment Assistance ) that didn't come through due to unusual circumstances of normal routine and exercise. Normal routine and exercise does not include doing, " bad business, '' just to make a pay cut. This requires more than just talent in one 's distal flanges.

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 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
On Friday, XX/XX/2021 I attempted to make a payoff payment for my recently purchased Toyota vehicle. I navigated to their website ( XXXX XXXX XXXX ), used my login information, selected " Payoff Options '', " Get Payoff Quote '' and received an error message stating " We are unable to process your request at this time. Please try again later. '' Every day, including today ( Wednesday XXXX, XXXX ) I have run into this same problem. With this being a new loan I did not have access to a previous billing statement or other paperwork that provided me with a customer service phone number. I attempted to access customer support or a phone number on their website ( choosing " Support Center '' from their drop down menu ) but again received the same error message. I have tried every day since Friday XX/XX/XXXX to make a payoff payment or contact customer support to no avail. I even contacted my dealership but was told I could not make or submit any payments to them and needed to go on the Toyota Financial Services website. On the evening of Tuesday XX/XX/XXXX I received a customary Privacy Practices notice from Toyota Financial Services via snail mail. This was the first time I was provided with a customer service phone number. I called and the offices were closed. I called again the next morning, Wednesday XX/XX/XXXX at XXXX and spoke with a representative ( Agent ID XXXX ). I received a payoff quote, daily interest fee information, and instructions on how to make this payment. I described my concern that I was being charged a daily interest of {$1.00} for days that I tried to make a payoff payment on but could not due to their website errors and inaccessible customer service contact information. The representative stated that because I signed a contract stating that I would pay daily interest for all days that I carried the loan that the interest would not be waived. I asked to speak with a manager and was told that a manager would not waive the interest fees either. I asked to speak with a manager anyway. The agent agreed to " file a complaint on your account '' and told me that I could hear back from a manager within the next 72 hours. I have submitted a bill pay through my bank for the payoff quote total of {$10000.00} which I am told reflects total balance plus interest on XX/XX/2021. My bank bill pay receipt reports that Toyota Financial Services will receive this money on XX/XX/XXXX. I am unfairly being charged daily interest of {$1.00} for XXXX XXXX XXXX, a total of {$8.00}. If their website was working I would have been able to receive the payoff quote and make a payoff payment by XX/XX/XXXX, which I was fully prepared to do. This is a minimal amount of money, but it is not their money to keep and their behaviors represent predatory practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank has willfully violated 15 U.S.C. 1681 S2 Responsibilities of furnishers of information to consumer credit reporting agencies, and other violations of the Fair Credit Reporting Act. On XX/XX/2021 I sent Chase Bank 2 ( two ) US Mail Certified letters. I requested a goodwill credit card adjustment on 3 ( three ) separate credit card accounts that I purchased, and had reassigned the credit card debts to myself. My request falls under 15 U.S.C. 1681 s2 of the Fair Credit Reporting Act, which I had stated in the two requests. Chase Bank received the requests on XX/XX/2021. On XX/XX/2021 I spent 3 hours on the telephone with Chase Bank representatives. They told me that they could not and would not help me. I sent the first request to the Chase Bank Correspondence UniXXXX in XXXX, OH and the other one to their Chief General Counsel XXXX XXXX XXXX via certified mail. While on the phone with a representative, they did admit that they did indeed receive the two request by looking up the US Certified Mail tracking number. They stated to me during the telephone conversations that they could not and would not help me. I do believe that their actions prevented me from exhausting my Administrative Remedy Process. I wish to submit this official complaint and request that you investigate this matter in your official capacity. also I am enclosing all of the documents that I had Sent Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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:
Hi, I booked tickets to see XXXX XXXX in XXXX XXXX through XXXX XXXX for XXXX on XX/XX/2021. The tickets were bought in advance, but occured on the week of the hurricane in XXXX. I tried to contact the vendor to no avail, but decided to submit a dispute on my Chase Sapphire Card. The dispute came back as " valid '' and a Chase representative told me that " all sales are final. '' This means that, if you have a Chase card, it is your responsibility to predict natural disasters like COVID-19 and Hurricanes. There is no recourse, but my complaint is that it is unfair to make customers pay for things that they can not use which is the crux of the issue. As a former employee of XXXX, I am disappointed in that response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OCEANFIRST FINANCIAL CORP.
State: NJ

Complaint narrative:
My checking account starting XX/XX/21 to today.went into over draft status ... ocean first bank manipulates their system to over draft my account..this is the third time..and I noticed its when the government sends out stimulus money ... I'm confused how I over drafted..and really confused how they charged me over 12 {$38.00} fees ... The bank says I wasn't in the negative until XXXX but it started XXXX I watched the app on my end start to be manipulated..So its hard to give exact dates and transactions..I get paid direct deposit and they rejected my deposit {$100.00} on XX/XX/XXXX and also on the XXXX of XXXX for {$68.00} both from XXXX. This has happened a few other times and I had to just pay it to stop the snow ball affect your account being in the negative causes ... Ocean bank this time has costed me {$600.00} as of today... please help me get through to ocean first bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
Lease was up on XX/XX/2020. Security deposit of {$520.00} withheld. They had repairs of {$340.00}. I should get a check of {$170.00}. Instead they say I owe an additional month of rent, 40 % late fee and half of security deposit was non refundable therefore does not go to the {$1000.00} balance they claim I owe them. It is in collections and effects my credit score. I moved out before XX/XX/2020. And have proof.

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 2021-09-29 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CT

Complaint narrative:
My mortgage company is Guaranteed rate. I've been on a forbearance plan due to COVID 19 from Spring XXXX until XX/XX/XXXX, when I let the company know that I can resume my payments and started my monthly payments. I've asked for a deferral of the unpaid balance to the end of the mortgage the same time. And since then I can't get an answer when the deferral will be approved or what the status is. it's been in review and there is no other information I can get. Keep calling them every week, with the same results. Asked to escalate - and again, with no results. They are keep telling me that it's under review, and no additional information. 

I understand that there is a very high volume of such requests probably, however it's been 7 months already. Per the information from the loss mitigation department the regular timeline is 60-90 days and it's been 7 months. 

I'm not sure what else to do here. I've completed a renovation on my house, it's had doubled in value, which has been confirmed by a valuation specialist from guaranteed rate. However I'm unable to get rid of PMI or refinance my mortgage because it's still in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
On XX/XX/2021 I received an unsolicited wire communication via text message on my cell phone from Wakefield & Associates ( " Wakefield '' ). They are a debt collection company. The communication included false representations and fraudulent pretenses. I am aware that I am the Original Creditor for the alleged debt they attempted to collect from XXXX which is funded by my open end credit plan. I NEVER gave my direct consent for Wakefield to communicate with me at all. Their company is guilty of committing wire fraud. 

On XX/XX/2021, I called Wakefield and spoke to a representative by the name of XXXX. I included a copy of the call recording via the email address that was provided to me on the call : XXXX. The employee stated that she could view my full social security number. This constitutes identity theft. Pursuant to 12 CFR 1022.3 ( h ), " Identity theft means a fraud committed or attempted using the identifying information of another person without authority ''. I never consented to my information to be shared. I also issued a cease and desist to XXXX prior prohibiting them from communicating with 3rd parties and debt collectors. 

I mailed a complaint and invoice to Wakefield that they received on XX/XX/2021 as evidenced by USPS Electronic return receipt. I still have not been compensated. 

I spoke to a few representatives of the company on XX/XX/2021 and they informed me that they were no longer able to access the alleged account. That did not fully resolve my issue. I demand compensation and I am willing to sign a non disclosure. 

I spoke to a representative named XXXX on XX/XX/2021 and was told to leave a voice mail and my call would be returned the same day. It is now XX/XX/2021 and I still have not received a call back. I did issue a cease and desist to the company but I included a stipulation where I do allow communication with me regarding remitting payment for violating my consumer rights and invading my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
My name is XXXX XXXX and I am a CONSUMER and ORIGINAL CREDITOR. I received a letter from Resurgent Capital Services stating they took over an alleged debt from LVNV Funding LLC I never gave any consent to this none of this companies to contact me pursuant 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- they are violating the federal laws including 15 USC 1692b ( 5 ) -not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt and 15 USC 1692b ( 2 ) -not state that such consumer owes any debt. I have proof of it and it will be attached to this complaint that Resurgent Capital Services is violating my federal CONSUMER rights pursuant the FDCPA laws mention above.

Company response to consumer: Closed with explanation