vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION
State: PR

Complaint narrative:
XXXX My life address is XXXX XXXX XXXXXXXX XXXX y never live in the states i never brought a car in the states this account is not mine, i have prove of working here in PR and water and electricity bills with my name. 

BB & T account its not mine the information is Inaccurate and incorrectly I am writing to dispute a charge of ( {$4300.00} ) The charge is in error because i never brought a car or anything from BB & T. 

I suffer a identity theft in the same year, this is not the only error or fraud that the person made.He made the same in XXXX XXXX XXXX with another car, its sad for me because i am trying to buy my dream house i am a veteran and i think i deserve better. 
This is the police report number : XXXX made in XXXX XXXX XXXX XXXX I made this report in XX/XX/2019

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 2021-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I have a few debt collection companies that keep coming after me and harassing me for medical debt that I am currently exempt from being that I am a college student and qualify for the cares Act and have already received funds through my college because of my financial need. These companies are absolutely ruining my credit and threatening me.

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 2021-10-20 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: FL

Complaint narrative:
My identity was stolen. I submitted affidavits to Experian. They blocked the item from my report. Nearly 2 years later they reinserted the information. I have sent multiple affidavits to Experian as they claim they did not receive.

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 2021-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I opened a US Bank checking account on XX/XX/2021. I completed the necessary direct deposits transaction within the given timeframe of 60 days of account opening to receive the promotional {$250.00} bonus from the bank. After completing these necessarily steps and waiting the 60 days for the bonus to show up in my account, I have received nothing. I have heard of other consumers having this problem as well.

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 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid off my mortgage with Bank of America in XX/XX/XXXX. Bank of America failed to provide me with the original note and deed of trust. I mailed a Notice of Error to Bank of America in XX/XX/XXXX asking for the original note and deed of trust. Bank of America still has not provided me with the original note and deed of trust.

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 2021-10-20 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
The collection was paid with the understanding it was going to be deleted with payment but has only been updated to paid status. I have reached out several times. I was told a deletion letter was also mailed out to me only to find out after the 4th time I reached out the printer isn't working, fax is broken and they are unable to email me a letter. Each call is a different excuse. I would like this account deleted ASAP due to erroneous collection tactics. Account was paid and cleared by bank XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I DID NOT OPEN ANY ACCOUNT WITH COMENITY BANK! THIS HAS BEEN EFFECTING MY CREDIT SCORE SINCE XX/XX/2019. I NEED THIS CLEANED UP! 

Alleged amount due : {$490.00} Payment Status-Collection/Chargeoff Account Status-Derogatory Amount Past Due-Not Reported Account Details Original Lender : 01 COMENITY BANK Account Type-Not Reported Responsibility-Individual Age Of Account-2 Years, 0 Months Credit Limit-Not Reported Highest Balance/ {$550.00} Payment Details : Amount Past Due-Not Reported Date of Last Payment-Not Reported Monthly Payment-Not Provided Payment Frequency-Not Reported

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I filed a dispute with Capital One Visa for a purchase of knit pants and a top for {$450.00} on XX/XX/2021 on XXXX. 

On XX/XX/XXXX, I received a rejection letter from Capital One with no clear explanation. When I called customer service, I was told the reason for the rejection is that Capital One can not rule against a merchants refund policy. The refund policy was clear : the items were not eligible for a refund because they were knitwear. 

However, the merchants refund policy is not clear. On the one hand, it says full priced merchandise is eligible for a refund, and discounted goods are not. The items I purchased were full priced. On the other hand, it says items which would normally be eligible for refund because they are full priced, are not, if they are XXXX XXXX and they are part of a temporary pop up. But when a consumer looks on XXXX for a XXXX XXXX pop up, there isnt one. There is no other knitwear offered on the site, but if there were, the policy goes on to say, they would not be eligible for a refund. Since the items I purchased were XXXX XXXX, not other knitwear, and not in a pop up, I assumed the exception to the refund policy did not apply to me. For all I knew, given the temporary nature of pop ups, there used to be a XXXX XXXX pop up and the merchant had taken it down from the site. 

Normally, a reputable, well-designed e-commerce site is clear about any exceptions, or about special categories, such as pop ups. For example, if the goods are part of a pop up, it will say pop up on the product page. That is how other luxury clothing sites use such triggering terms. I cite the example of XXXX, which has a XXXX XXXX XXXX on its site. 

I believe I was deceived by a XXXX word exception-laden refund policy, a badly organized e-commerce site. I am disappointed Capital One has returned my funds to the merchant after originally issuing me a credit, even citing my case as compelling. I returned the goods to the merchant. They offered a credit voucher, which I do not want, or believe is fair. 

My understanding is that disclaimers on goods must appear somewhere on an e-commerce site, at very least, next to the product. The consumer should not have to go to a hyperlink to find important qualifying information, as this merchant requires here. Qualifying information should be prominent ( according to the FCC ). The merchant in this case failed to convey the importance, nature, and relevance of such qualifying information, misleading me into making a purchase I would not have otherwise made. I believe this is deceptive of the merchant, and an abuse of consumer trust. I appreciate your attention to this matter and look forward to your feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has took more than 30 days to complete their investigation and still has not removed the items disputed from my report! None of the agents act like they know what Im talking about when then call! Transunion has also reinserted a XXXX XXXX account that was removed from my consumer reports! This is a violation of federal law pursuant to 15 usc 1681i. 

Transunion has also failed to remove accounts XXXX XXXX Card Service and XXXX XXXX XXXXrom my consumer reports and it has been well over the investigation time. 

Transunion has also failed to remove two inquiries from my consumer report after I submitted a FTC report weeks ago! 
XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

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 2021-10-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been a Bank of America customer for 30 years and never received a call back regarding this matter. I had contacted Bank of America to question a charge of {$930.00} on XX/XX/24 that it was not authorized. In addition, to another charge but they have never bothered to call back. They have not answered all my questions to the complaint. I requested a copy of the paperwork and none of them had my signature on the receipt that I approved the charges. Bank of America never investigated my claim and closed the case. Also, Bank of America Regulatory Dept. XXXX XXXX never called back after I left numerous messages for her for almost a month and but she never called back and I have been a customer for 30 years! Wow! 

Bank of America doesn't follow Federal banking laws and regulations.

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 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: IA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH MRS XXXX XXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
I AM REQUESTING A LIST OF ALL UPDATED PAYMENTS MADE TO THE DOWNS HOA SINCE XXXX. PLEASE NOTE A REQUEST WAS SENT TO THE LAWFIRM OF XXXX AND XXXX WHO COLLECTED THE YEARLY HOA FEE, PRIOR BUT, DID NOT TRANSFER THE PAYMENT ( S ) TO LAZEGA AND JOHANSON. ALSO, IT APPEARS THE REPRESENTING LEGAL COUNSEL, XXXX XXXX FILED TWO CLAIMS INTO MY SPOUSE 'S XXXX XXXX. 

I AM REQUESTING A PRINT OUT OF ALL DUES PAID BEGINNING XXXX TO CURRENT. ALL PAYMENTS ARE CURRENT HOWEVER, A COPY FROM THE ABOVE LAWFIRM IS REQUIRED. 

IN ADDITION, I HAVE ATTACHED THE INVALID SIGNATURE PAGES OF THE RESIDENTS OF THE DOWNS SUBDIVISION LOCATED IN XXXX GA. THIS REQUEST PERTAINS TO XXXX XXXX XXXX XXXX WHICH WAS ABANDONED BY THE XXXX TRUSTEE. THERE APPEARS TO BE A SOCIAL RELATIONSHIP AMONGST THE TRUSTEE AND REPRESENTING LEGAL COUNSEL. 

ATTACHED SIGNATURES WERE SUBMITTED AS SUPPORTING DOCUMENTATION FOR A NON-JUDICIAL FORECLOSURE IN THE YEAR OF XXXX. THIS LEGAL CLAIM WAS BASED ON STATED HOA DUES WERE LATE. PREVIOUS PAYMENTS TO XXXX AND XXXX XXXX SHOULD HAVE BEEN TRANSFERRED OVER TO THE NEW ATTENDING LAWFIRM. THIS WAS CONCERN WAS DOCUMENTED. THE INDIVIDUAL BY THE NAME OF XXXX XXXX WHO WAS AN EMPLOYEE OF XXXX AND XXXX WAS ALSO EMPLOYED BY XXXX AND XXXX WHO ARE BANKRUPTCY ATTORNEYS IN THE XXXX BRC NORTHERN GA. IT IS VERY OBVIOUS THE APPEARED CONNECTION. 

FURTHERMORE, SUBMITTED WITNESS SIGNATURES WERE SIGNED BY 3 TO 4 SAME INDIVIDUALS AND 2 TO 4 NOTARIES. A COUPLE DID NOT EVEN RESIDE IN XXXX XXXX PER THE GUIDELINES. IN ADDITION, THE NOTARY DID NOT PROVIDE THE A DATE PERTAINING TO THE WITNESSING OF THE WITNESS SIGNATURE. SO, IT IS VERY OBVIOUS RETAILIATION WAS TAKING PLACE AT THE TIME OF FILING WITHIN THE XXXX XXXX COURT FOR THE PURPOSE OF RETRIEVEING XXXX HLD. 
QUESTION : WHO STOLED THE PAYMENTS SUBMITTED TO XXXX AND XXXX? PLEASE REVIEW YOUR BILLING. YOU BILLED FOR HOA DUES FOR THE SAME YEAR XXXX AND XXXX RECEIVED PAYMENT. 

THE ASSIGNED LAWFIRM ATTEMPTED TO VIOLATE AN AUTOMATIC STAY WHICH IS AGAINST THE LAW. THIS WAS ANOTHER PLOT TO FORECLOSE ON XXXX HLD DUE TO THE KNOWN FRAUD ON THE HOME. AS A MATTER OF FACT THE PREVIOUS RESIDING NEIGHBORS LOCATED BEHIND XXXX HLD WAS SAID TO HAVE LOCATED TO FLORIDA BUT, THEY ARE CURRENTLY RESIDING IN A NEARBY CITY. 

THEY ARE THE INDIVIDUALS WHO SIGNED AS WITNESSES ON THE MAJORITY OF THE SIGNATURE PAGES. THERE IS NO WAY 2 TO 4 NOTARIES WITNESSED THE SIGNATURES OF THE WITNESSES. THIS IS A CRIME! IT'S VERYOBVIOUS THE SELECT RING OF INDIVIDUALS WHO WERE AND STILL ARE WORKING TOGETHER. 

BASED ON MY RESEARCH IT APPEARS THERE ARE HOMES LOCATED WITHIN THE DOWNS SUBDIVISION WHICH WERE FINANCED BY 1440 HLD VIA FRAUDULENT LOANS. APPROXIMATELY 18 TO 20 FRAUDULENT LOANS.

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 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH CREDIT COLLECTION SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
I have called Vanderbilt Mortgage several times back in End of XX/XX/XXXX, to ask about maybe getting a forebarence extension. They told me that since my co-hab partner was no longer in the home there was no possibility of me keeping the home because it wasnt affordable to me alone without XXXX income. I ask her several times about working on A payment plan to get caught up, re-finance, and about extending my account that XXXX  XXXX and have a XXXX XXXX old son  in the home a XXXX XXXX XXXX. I didnt want to lose my home. As usual they were very rude saying I just had a forbearance back in XX/XX/XXXX and that it was just be best for me to sign a deed by of luea and take {$1000.00} and leave the house I. Good standing and just move out in with family and friends. I never agreed to that and asked why I couldnt get my payments lowered to make them more affordable? They saw they were starting the foreclosure process and I was going to have to move one way or the other. Anything you could do to help with this situation would greatly be appreciated. Sincerely 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 2021-10-20 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: AR

Complaint narrative:
I Informed Equifax in XX/XX/2021 of inquiries that I did know about on my credit report. I filed a dispute and they sent me a letter saying the inquiries was verified. I then disputed them again in XX/XX/2021 and didn't receive a response at all. In XXXX I called and disputed the inquiries again and then received another letter saying that they have verified and the inquiries will not be deleted. I informed them that they didn't verify nor did they validate the inquiries because I didn't make them. I asked them to remove the inquiries because they are not true. They are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: IA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH RADIUS GLOBAL SOLUTIONS. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

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 2021-10-20 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: NY

Complaint narrative:
: I recently reviewed my credit profile and noticed inaccuracies and false accusations. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect.

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