vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to investigate and respond to my dispute requests sent on XX/XX/XXXX and XX/XX/XXXX. In their response to my CFPB complaint received on XX/XX/XXXX from them, they further provide proof of their failure to respond to these disputes. This account was always paid on terms and they continue to report it with late payments.

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 2021-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I transferred money into my Bank of America current account on XX/XX/XXXX. My account cycle closes on XX/XX/XXXX. Bank of America held back those funds and cleared them on XX/XX/XXXX, a day after the close and charged me a {$12.00} maintenance fee. When I called to inquire, they said it was a clearing issue and refused to refund the money to me. I want my money back.

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 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: MO

Complaint narrative:
Back on XX/XX/2020 I saw 2 duplicate charges of {$210.00} on my credit card. I did not recognize these charges so I called the fraud department. They closed my credit card account and issued me a new one. Meanwhile I realized what these charges were and called the merchant ( XXXX XXXX ) to give them a new credit card number and then called the fraud department of my credit card to let them know I recognized them ( although I only meant to purchase 1 item ). They sent my duplicate charges to the dispute department where I have been fighting these charges for 4 months. I did not receive these two items since I paid with them with another credit card. I have jumped through hoops trying to get this resolved with no progress whatsoever. I am so totally frustrated. At one point I was on a call with them for over two hours only to be disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 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: CT

Complaint narrative:
I recently sent letters over 60 days ago. To this bureau or bureaus and they are disregarding a regular consumer disputes Im stressed and have been sending letters before this and still no response.

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 2021-03-22 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: CT

Complaint narrative:
I recently sent letters over 60 days ago. To this bureau or bureaus and they are disregarding a regular consumer disputes Im stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
On XX/XX/2017, ENHANCED RECOVERY COMPANY , LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY , LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
On XXXX. XXXX, 2019, ENHANCED RECOVERY COMPANY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
On the day of closing on a refinancing, Amerisave increased the financing fees ( points ) on the loan by {$820.00}. The closing documentation makes it look like it was simply an error by the closing agent, but the company has refused to correct the error or even respond to my complaints.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 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: NCB Management Services Inc.
State: NY

Complaint narrative:
I Filed a dispute in regards to the inaccurate information on my credit report, it has been well over 30 days and I haven't received any investigation result. 

Date XX/XX/2021 amount XXXX NCB MANAGEMENT SERVICE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
They suspended my account for logging in from another phone number. Then when I called they told me to send my information I did that. They emailed the wrong email address three times. I had to call the customer service number in order to see what they replied back. The representative stated that they emails only where my information got sent from or the email that is on file. Which that was incorrect because they emailed a totally different email. Then they keep saying there is nothing they can do I have to contact the support team. They have not emailed me anything when I ask questions and email from a different email they stop replying when I say it's me. They keep saying I have to wait for my account to get unsuspend. It has been 2 weeks and 4 days and my account still isn't unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
This is my fourth complaint with Fay Servicing LLC. I understand the definition of predatory lending and feel that I am currently being subjected to such by this company. My original complaint case # was XXXX was closed in XXXX. However, the information that was required to prove their case has not been provided. After 15 years of paying interest on my home XXXX sold the mortgage and put amounts on the back end of the loan that they could not prove. My first complaint to the CFPB for for that reason, proof that his amount was owed. Although paperwork was submitted by XXXX after the CFPB stepped in, that information did not show proof of the backend amounts. 
This case has been in court for several years now with even the judge not able to get definite proof. My next court date is XX/XX/XXXX. After 15 years of interest payments the loan was sold to XXXX with these backend amounts still unproven. Just recently it was sold again to XXXX XXXX XXXX. These amounts keep getting higher and higher and with no proof. I have not been paying my loan in this time because I fear any payments made would only be applied to the unproven backend amount. I did a modification with XXXX as well as XXXX XXXX and both modifications have come back with amounts that would hinder me the borrower from being able to pay. They have stripped me of all equity, made me uncreditworthy and have consistently encouraged me to take a loan that they know I can not reasonably be able to pay back. The documents from the modifications include unscrupulous practices carried out by the lenders. I have went through a 90 day trial period where I have made payments to these companies only to find out when the modification is done that that the lender has hindered my ability to repay this debt. Currently with the new modification I am required to pay Fay Servicing {$170000.00} by the XXXX of XXXX. Pay XXXX XXXX, who has the mortgage held in trust this time to hide the identity of the buyer, over {$300000.00} over the next 40 years which would make me XXXX at that time and then a balloon payment of {$120000.00} at the end of the 40 years. Totaling about {$600000.00} for a house that I only owed {$220000.00} for the remaining principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: WV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX sent {$1400.00} via XXXX payment system for puppy purchase. 

XX/XX/XXXX sent {$1200.00} via XXXX payment system for a crate for the puppy. 

XX/XX/XXXX sent {$1200.00} via XXXX payment system for a crate for the puppy. 

XX/XX/XXXX sent {$750.00} via XXXX payment system for shots for puppies. 
Each time Chase Bank would call my phone to confirm the transaction and details but just a menu of options is all I got. 
I thought I was purchasing puppies through a company in ND called XXXX XXXX and they were using a shipping company called XXXX XXXX XXXX XXXX XXXX. Both companies have extensive information on their websites. Both these websites should be closed down. 
I have the following number for XXXX XXXX XXXX. 
Phone number XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The phone number for XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: NV

Complaint narrative:
I had XXXX leases with GM FInancial. A XXXX XXXX XXXX and a XXXX XXXX XXXX. I returned the vehicles at the end of the lease term. I received a repair estimate for the XXXX and disputed the amount asking for additional information which the company refused to provide. The company unilaterally refused to acknowledge my dispute or provide the information requested, has reported the disputed debt to the credit agencies which has lowered my credit rating by almost XXXX points. I paid the lease return fee immediately, but am still disputing the damage estimate. The XXXX was returned to the dealer in early XX/XX/XXXX. 

The XXXX XXXX was returned to the dealership at the end of lease term, on or about XX/XX/XXXX. I never received an end of lease bill or damage estimate from GM Financial, The car was returned in good condition with only XXXX miles on it. Even though I had never received a bill or end of lease statement, GM Financial reported my account delinquent. I contacted GM Financial in XXXX when I finally found out about the delinquent mark on my credit report, disputed the damage amount but paid the end of lease return charge of {$490.00}. I still have not received anything from GM Financial what the damage charges were for, nor have they provided me of my request for both the XXXX and XXXX for a paid receipt showing the repairs had been made, or the information regarding what the car was sold for. If the company did not make the repairs or were made for less money than I was charged, I was overbilled for the purported damages. 

How can a company send me a bill and not have to prove that the repairs were made so I know that they are not billing me more than the repair cost, and that the repairs are made. How can a company report my account to a collection agency and ruin my credit unilaterally when I have disputed the charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize these accounts to be open. These accounts are fraudulent. 
On my credit report. XXXX, Experian, XXXX  XXXX on XX/XX/XXXX amount : {$450.00} XXXX XXXX on XX/XX/XXXX amount : {$700.00} XXXX XXXX XXXX XXXX on XX/XX/XXXX amount : {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
XXXX-Debt collection letter with offer to settle received for XXXX XXXX XXXX. Letter states must submit payment by XX/XX/2021. Letter failed to validate the debt by including the following sections. 

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


3/19/2021-Representative from Harris & Zide stated I had to pay or the settlement would be void. Asked for an updated letter by fax, however they did not send it. 

After further review I believe the debt has exceeded the 4 year statute of limitations in the state of California. This debt collector was attempting to gain contact information for my wife who was not married to me at the time that this debt was obtained. I believe they are violating the FAIR DEBT COLLECTION PRACTICES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
On XXXX XXXX, 2021, THE CBE GROUP INCXXXX  add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THE CBE GROUP INCXXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: WI

Complaint narrative:
Early XX/XX/XXXX, I received an invoice from Spring Oaks Capital LLC stating they " bought '' a debt from " XXXX  XXXX '' they were trying to collect on. I had never taken out such a loan nor know who XXXX XXXX is. I wrote on the invoice to send me the proof of validation, as well as letting them know that I did not take out this loan. I mailed it back and filed the FTC ID theft report. I emailed it to the Spring Oaks Capital soon after mailing the invoice back. I tried to call Spring Oaks a few times and left a message. No call back. Last week, I started getting calls from a " XXXX firm '' to call back. I didn't know who that was, so never called because I never heard from them. I didn't hear anything back from Spring Oaks neither until this weekend. I had gotten a notification that my credit report has a collections account on it. From Spring Oak Capital. This is after I sent in the ID theft report and tried to called. They never contacted me after that letter attempt. I resubmitted the ID theft report and now a XXXX XXXX Police ID theft report and emailed to Spring Oaks from my email address. I tried to call and left a message this weekend again. I emailed their customer service link on their page. No response. I have now filed a complaint with the XXXX and now the CFPB. They are trying to collect and bully me into paying them on an account that is not mine and was taken out without my authorization. I have been dealing with this ID XXXX since XXXX and the XXXX  incident. I am overwhelmed and stressed and my son was in a car accident a week ago, so dealing with that. I can not deal with Spring Oaks XXXX right now because they want a quick buck especially after I have told them numerous times and showed them the ID theft reports.

Company response to consumer: Closed with explanation