vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 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: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc
State: OH

Complaint narrative:
I was approved a for a trial modification with Mid America mortgage on XX/XX/XXXX ( see attached documents ) I agreed to the terms and made all payments as required to do so on this 3 month trial modification. After making the 3rd payment as stated on the agreement Mid America Mortgage was to send out the permanent loan modification documents which had to be signed and notarized. In XXXX of XXXX after making my last trial payment I called Mid America several times to ask about the finalized documents and they stated they where working on the documents. It took Mid America mortgage almost 18 months to get the documents out to me. Once I received them I notarized and returned them using Mid Americas prepaid Fed envelope. When Mid America received them they advised me they needed my Ex XXXX to sign the documents as well, I advised Mid America XXXX my ex is not on the loan and is not on title she should have to sign them since I am the only one on the loan and title. So because of this Mid America did not accept my documents and had me resign them, this took a few months to get the documents out to me, once I received the new package my ex XXXX and I signed the documents and Fed ex them once again to Mid America, ( Tracking # XXXX ) TRACKING NUMBER DELIVERY XX/XX/XXXX at XXXX XXXX ) after I calling them weekly for document acknowledgment, they claim to have lost them. Now they wont allow me to reapply and have set a foreclosure on my home for XX/XX/XXXX and refuse to stop it even though I complied with the 3 payments as directed and even continued for over 18 months with no closure on there end. I have attached all documents showing proof of my complaint. We also submitted for help in XXXX but Mid America mortgage refuses to acknowledge the documents I sent them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: BlueChip Financial
State: MD

Complaint narrative:
A Company called XXXX, XXXX, and XXXX called saying they are collecting a debt. I wrote the name and said I will have to look it up they slammed down the phone. I called back after calling the XXXX XXXX XXXX and found out they were bad news I called back. They threatened to call my job and file papers. When I said go ahead and file papers and don't call they said they would keep calling and they would call my job. They were very rude. So I actually called back after the slammed the phone down asking if they were a scam city. 

XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XXXX I called about a card. I gave information liked I am using the card for building houses. I will only be using the card for building houses and nothing else. After this I received a personal gold card. I then called Amex about this and was giving the run around until I finally went online and applied for the business cards myself. After the getting the cards I called about my buying power. Every time I was told there is no preset limit but yet when I want to spend XXXX for building materials. Then in XXXX I was told I had XXXX on XXXX XXXX  credit card and XXXX on XXXX XXXX XXXX XXXX. Today when I need to spend money on building materials and to my acknowledgement I no longer have the XXXX on XXXX XXXX and after multiple calls nothing can be changed,.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am a customer of Chase Bank with a personal checking account ( with debit card ) and two different credit card accounts. 

On XX/XX/XXXX I was review my account statements/details for XXXX XXXX and noticed a recurring charge in the amount of {$15.00}. The recurring charge was for XXXX and had been processed the last business day of the month since XXXXXXXX Per Chase the charge was made with the debit card ( XXXX  brand ) through a digital wallet. 4 recurring charges for a total amount {$63.00}. 

I contacted Chase to dispute the charge because I have not at any time signed up for or used the XXXX service, therefore the charge is unauthorized and fraudulent. 

I was informed by the Chase agent that the 60 day liability rule as described on my statement would limit my claim to 3 charges for a total of {$47.00}. 

There is not language to defines a XXXX debit card transaction the same as another electronic transaction. As a XXXX debit cardholder I am entitled to initiating a dispute for fraudulent charges. The language on the Chase statement does not clearly articulate that a XXXX debit card is considered an electronic payment transaction and not eligible for dispute beyond the 60 day time period. 

Here is the lingo on the statement : IN CASE OF ERRORS OR QUESTIONS ABOUT NON-ELECTRONIC TRANSACTIONS : Call us at XXXX or write us at the address on the front of this statement ( non-personal accounts contact Customer Service ) immediately if you think your statement or receipt is incorrect or if you need more information about a transfer listed on the statement or receipt. 

For personal accounts only : We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. Be prepared to give us the following information : Your name and account number The dollar amount of the suspected error A description of the error or transfer you are unsure of, why you believe it is an error, or why you need more information. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days ( or 20 business days for new accounts ) to do this, we will credit your account for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: TN

Complaint narrative:
On XX/XX/XXXX, XXXXy Bank of America Credit Card ending in XXXX was used at a number of websites without my permission. I had the card in my possession, and it appears that all the charges were for online merchants. 

On XX/XX/XXXX, I notified Bank of America of all the disputed charges and they issued me a new card and credited the disputed amounts. 

On XX/XX/XXXX, Bank of America notified me that they were reinstating one of the charges because I had a history of making purchases at the merchant. The merchant is XXXX. 

The charge in question was {$630.00}. Although like 220 million other Americans each month, I do purchase quite a bit through the retailer, I DID NOT make that purchase. I offered to show Bank of America my entire purchase history from the merchant and they declined.

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 2022-01-04 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: MA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: OH

Complaint narrative:
I let XXXX know they was in violation of 15 U.S. CODE 1681N ( B ) b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I let XXXX know they was in violation of 15 U.S. CODE 1681N ( B ) b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 2022-01-04 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 to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I the undersigned, a financial and marketing professional was desperately seeking a job since XX/XX/XXXX, after being laid off. I was interviewed and accepted for the job and agreed to sign a contract. On XXXX XXXX XXXX. I received a check by FedEx mail, track # no XXXX from a certain XXXX XXXX who claims to be a Business Executive Manager who interviewed me to be his Assistant and work for him full time. 
As instructed by the new employer I deposited it into my checking account. 
I realized suddenly, It must be a scam and reported to my Bank the following day on XXXX, XXXX, XXXX. It was turned to be a scam. I called also my SunTrust Bank informed the whole story the check was put on hold. I haven't touched the disputed check amount which is on held. The SunTrust Bank, send me a letter on the hold on XXXX XXXX, XXXX the XXXX XXXX when I attempt to withdrew money from My Direct deposit from Social Security and part time payroll check, my account is inactive. Since then I am trying to reach the Bank no one answers a call after a XXXX hold. I sent email messages, no reply at all. I could not pay my bills and have no money to spend for my food, gas and daily expenditures. I want the SunTrust Bank to to resolve the issue, before I open a law suite against for all damages and hardships that I am encounter. I need the 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 non-monetary relief
Consumer complaint received 2022-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: MD

Complaint narrative:
I have never missed a payment with my mortgage or been late. I sold another property I owned and on XX/XX/XXXX sent them a letter asking to recast my mortgage ( I was giving them an additional {$90000.00} towards principle reduction and also eliminate the mortgage insurance on my house ) They mailed me a letter on XX/XX/XXXX that told me to wire them the $ 90k plus {$300.00} fee to recast my Ameris mortgage ( loan # XXXX ) before XX/XX/XXXX. I did as instructed and sent them {$90000.00} on XX/XX/XXXX, it cleared XX/XX/XXXX. 
I continued to make my normal monthly payments. 
Beginning in XX/XX/XXXX, I began receiving notices of missed payments and foreclosure warnings. When I called customer service, they said a mistake had been made that the {$300.00} recast fee had somehow triggered an incomplete payment and removed my XXXX payment. They didn't know how to fix it. I was told by multiple agents to call back in 2 weeks, and I did, every 2 weeks, speaking to someone else since they don't have extensions they say. I spoke to supervisors and everything, with no avail. I have even called my previous loan originator, who no longer works at ameris, to reach out to someone to help me, since he knows higher up people. No one has ever reached out. I still get transferred to the collections dept whenever I call the hotline. 
I am now XXXX XXXX XXXX, and have lost countless nights sleep over this, and had to go to the XXXX XXXX due to XXXX XXXX XXXX. 
My credit score is over XXXX, I've never missed a payment on anything, and this is more then I can handle. Please help me preserve my financial and emotional integrity in dealing with ameris, I just can't anymore. I have more documentation and have saved all the pink notices from them if you need. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a new complaint. Recently filed a complaint ( complaint XXXX ) about Citibank which you eventually resolved and Citibank gave me my {$700.00}. I went to close my account and be done with Citi and was informed that I was now being charged {$30.00} account fee. I closed my account and told them I want the {$30.00} fee reversed. They refused and stated that I now didn't have the proper accounts open so there is now a monthly fee. Even though I have had the same accounts open for 7 months I suddenly get a monthly fee on the same day they gave me the {$700.00}. I got a call from Citi Executive Response and XXXX said she couldn't reverse the {$30.00} fee. I find this impossible to believe especially since it seems everything Citi does is illegal. I told her I would file another complaint and she said go ahead.

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 2022-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX. In XXXX of XXXX I was a victim of Identity theft. When I applied for my unemployment benefits for the month of XXXX an unknown person had taken my identity, changed my email address and stole my benefits for the month of XXXX. I was unaware of the identity theft until I went to Career Link to apply for employment, and they noticed I had a second email address and a resume with false information that I did not recognize. I notified the PA Unemployment Office immediately. I was told that an investigation will be performed. In XXXX of XXXX, I received a letter from XXXX XXXX stating that I owed {$1100.00} to Midland Credit Management Inc, a collection agency. When I contacted Midland, they told me that they were attempting to collect a debt that was owed to XXXX XXXX Bank. I let them know that I have never owned a credit card from XXXX XXXX Bank. Midland gave me the phone number to call XXXX XXXX Bank. I also received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX  of Pennsylvania stating I have to appear in court on XX/XX/XXXX, at XXXX. in reference to this debt that I never acquired. I was then told to report this to the Federal Trade Commission online and it has led me to this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: MD

Complaint narrative:
Equifax is reporting incorrect unverified incorrect Bankruptcies on my credit report i have requested several investigations into my correcting my report but the issue still hasn't been investigated or corrected and was claimed to be verified through XXXX i recently obtained a copy of my XXXX report which show no Bankruptcy being reported so i am requesting and investigation to correct the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I am receiving a notice from TSI XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA, XXXX, XXXX. 

The notice claims I owe {$150.00} to XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, CT, XXXX. I have never been to XXXX XXXX. I have called numerous times and been unable to have them correct this error. Most recent bill is dated XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I have filed this complaint before without resolve. I am attaching the police report to this new complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: MI

Complaint narrative:
Through Wise, formerly TransferWise.. On XX/XX/XXXX, completely after their 5 day process they put me personally through, giving them all my life info, ID, picture of ID, passport, passport photo with my face in photo, bank statements, proof of funds, my account was set and i initiated the transfer of {$14000.00} in USD to XXXX  pesos transfer to someone i've met in person and know. I sent the money to them on XX/XX/XXXX. It fully left my bank account. On XX/XX/XXXX i woke up to log in to my account which was blocked, de-activated and shut down without notice. Nothing to track my money, over 32 calls with these terrible customer service representatives who all had nothing to say or help, finally once said a refund was issued XX/XX/XXXX ... complete lie to get me off the phone,12-15 emails until tagging CC : XXXX and someone's name high up in the company i found online, they finally wrote in email said they are holding my money for 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 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: VA

Complaint narrative:
XXXX XXXX account for {$360.00} is being flagged on my XXXX and Equifax credit reports since XXXX. The collection company is XXXX XXXX XXXX ( XXXX ). Since that time I have disputed the charges with XXXX and the credit bureas. The entries still remain to this day. 
In XXXX I renewed my efforts to remove this invalid account. Below I have documented my correspondences with these companies as of XXXX, XXXX. 

XX/XX/XXXX Mailed Dispute Affidavits to XXXX and Equifax asking for investigation and removal. 

XX/XX/XXXX Reply from Equifax indicating their investigation found that the account was mine and valid. No proof or evidence given. 

XX/XX/XXXX Received notice from XXXX that the account was mine and valid. No proof or valid documentation included. 

XX/XX/XXXX Received reply from XXXX indicating their investigation proved the item was mine and valid. No documentation provided. 

XX/XX/XXXX XXXX XXXX XXXX to both Equifax and XXXX regarding their investigation results. 

XX/XX/XXXX Mailed Dispute Affidavit to XXXX XXXX XXXX. 

XX/XX/XXXX Reply from XXXX that did not provide the information I required or that has any valid information regarding my responsibility for the item in question. 

Please note that XXXX did remove this account after their investigation. How can Equifax and XXXX be doing an investigation and saying it is valid without information even I can not get from the collection agency? From what I understand the are not obeying the Law as per the FCRA.

Company response to consumer: Closed with explanation