vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SPECIALIZED LOAN SERVICING LLC, THREATEN TO FORECLOSED ON OUR HOME AND REFUSED TO GIVE US AN AFFORDABLE MODIFICATION OR SETTLEMENT. 
SLS, CONTINUE TO VIOLATE ALL RULES AND REJECT HUD MODIFICATION AND ALL OFFERS WE HAVE SUBMITTED. 
XX/XX/XXXX, XXXX XXXX TOLD US WE ARE NOT QUALIFIED FOR ANY MODIFICATION OR SETTLEMENT. 


ACCOUNT # XXXX I HAVE BEEN STRUGGLING WITH SLS TO GET A SETTLEMENT THAT IS REASONABLE. 
WE WERE OFFERED {$120000.00}. THEN SOME TIME LATER WE WERE OFFERED A GREATER AMOUNT OF {$150000.00}. NOW THEY DEMAND {$280000.00}. 
ON XX/XX/XXXX, WE WERE OFFERED {$150000.00} TO SETTLE. 10 MONTHS LATER ON XX/XX/XXXX, WE SENT A LETTER AGREEING TO THAT SETTLEMENT. 
ON XX/XX/XXXX, 21 DAYS LATER, WE GOT A LETTER STATING THAT THE DEMAND IS NOW {$270000.00}. THATS IN LESS THAN ONE MONTH THEIR DEMAND JUMPED {$110000.00} WHICH CAUSED US MORE DISTRESS AND SEEMS LIKELY ILLEGAL TO DO TO A XXXX XXXX. 
EACH TIME WE ARE READY TO MEET THEIR DEMANDS THEY RAISE IT SAYING THAT THE PROPERTY IS WORTH MORE NOW, EVEN THOUGH THE INVESTOR PAID LESS THAN {$120000.00} FOR IT, THEY NOW DEMAND {$280000.00}. 
NOW I AM OVER XXXX SOON TO TURN XXXX XXXX XXXX XXXX. 
ALL OF MY LIFE 'S WORK IS IN THE REAL ESTATE HOLDINGS THAT MY WIFE AND I HAVE, WE HAVE NO XXXX, NO SAVINGS, NO LIFE INSURANCE. 
THEIR POINT OF CONTACT HAS BEEN BRUTAL WITH US, ESPECIALLY IN DEALING WITH MY WIFE, BUT WITH 3RD PARTIES AS WELL. SO BRUTAL THAT MY WIFES HEALTH HAS SUFFERED TREMENDOUSLY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
WE ASK FOR A NEW POINT OF CONTACT, THEY PROMISE TO DO SO BUT NEVER DO. HER NAME IS XXXX XXXX ID # XXXX. 
XXXX SUGGESTED WE CONTACT HUD FOR HELP. WE HAVE ASKED HUD TO ASSIST US BUT WHEN HUD MAKES THEIR RECOMMENDATIONS TO THEM, XXXX, IGNORES THEM. 
XXXX XXXX SAID TO EMAIL A SETTLEMENT OFFER TO THE EMAIL SHE PROVIDED. WE CHECKED BACK WITH HER TO SEE IF SHE HAD SUBMITTED IT TO THE INVESTOR DAYS LATER. SHE HAD NOT. 
SHE SAID SHE WOULD SEND IT EITHER TONIGHT OR BY TOMORROW MORNING. BUT LATER IN THE HEATED CONVERSATION SHE SAID IT WAS DECLINED. 
AND WHEN SHE DOES SUBMIT A LOAN MODIFICATION OR SETTLEMENT, SHE PURPOSELY MISREPRESENTS US!! THE PROOF IS IN WRITING WHERE SHE STATES THAT OUR XXXX SCORE IS XXXX WHEN IN FACT IT IS XXXX 
WE NEED XXXX XXXX REPLACED WITH A PROFESSIONAL NEGOTIATOR PLEASE. 
SEE ATTACHED DOCUMENTS SETTLEMENT AND DATES ATTACHED TO THE BEST OF MY KNOWLEDGE, 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 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bliksum, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX LoanMe contacted me at XXXX XXXX to discuss a debt disrupting my sleep causing me to attend work that day without being well-rested. This is a violation of the FDCPA & RFDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Filed Bankruptcy on XXXX  due to identify theft. All items were cleared. Debt collection agency never showed to court to provoke debt. 
The information that are reporting is false, wrong social and spelling of name which is on the leasing contract held by leasing office. 
Debt collection agency has not provided me with any documents such as application or social. I have contact them several times but they continue to send me only the lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Card Acquisitions Group
State: CA

Complaint narrative:
I have informed this company numerous times not to call me at work regarding a debt I'm not aware of because they never give me any formation who they are or who they represent. On this date, they called me at work yet again, I hung up on them. 

Not even 5 minutes later, my landlord calls me and informs me that this agency has called him asking for information on me. 
This company has also called me numerous times with threats of having me served with legal documents at my jobsite. Also, today a fax was sent to my employer at my jobsite requesting personal information on me. 

i need all contact to STOP IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple Card/ Goldman Sachs continuously performs adverse actions against me the consumer. They are also tarnishing my reputation by reporting negative activity to the credit bureaus when I have made numerous attempts to pay. Apple Card/ Goldman Sachs has also created multiple accounts through my consumer credit and will not allow me to access those accounts. When I submitted my remittance payment online, initially my payment was accepted. Apple Card/ Goldman Sachs then reversed the payment after many days. I spoke with a couple representatives and reminded them of their fiduciary duty to transfer the debt. I then tried another account opened through my consumer credit which was sent to me. That payment was accepted too then days later Apple Card/ Goldman Sachs reversed the charges once more. I am submitting a billing error 12 CFR 1026.13 and an adverse action claim against Apple Card/ Goldman Sachs for their malpractices and many violations of the Truth In Lending Act ( TILA ). As I was not made aware of the many accounts opened through my consumer credit nor was the legalese explained to me as the consumer about the remittance payment or the original security contract deposited for bailment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I notified Chase that I had gone into a Time Share with XXXX XXXX in XXXX XXXX, XXXX XXXX and that they had charged my account {$2100.00} and {$2900.00} and another {$900.00} and that when I got home was when I noticed these transactions because there was no Wi Fi there and I wasn't aware of this. I also told them that I had 3-mailed XXXX and cancelled the contract within the cancelation period ( 4 ) days. They suggested that I get a new debit card and close my checking and savings accounts and open new ones, which I did. When I met with a bank representative and I gave her a copy of the contract ( pg.6 ) and a copy of a signed authorization for {$2100.00} so that she could fax it to their claims department. 

On XX/XX/XXXX I received a letter from Chase stating that they gave me a temporary credit while they researched my claim. I called asked them if they needed me to submit any other papers or anything to validate my claim and they said no that they will take care of this. 

On XX/XX/XXXX Chase returned my money to XXXX without informing me. 

On XX/XX/XXXX I was going to pay a bill and that's when I noticed that Chase had given XXXX my money. I called them and they told me to resubmit my claim. 

On XX/XX/XXXX I want to the bank and resubmitted my claim ( I couldn't attach copies, I will mail them ) since then I have been given the runaround. 

On XX/XX/XXXX I called the claims department to see if they needed anything else and how far along they were with my claim and I was told that I would be getting a phone call soon. 

On XX/XX/XXXX I called the claims department again to let them know that I still hadn't received the phone call and was told to call within five ( 5 ) business days. 

On XX/XX/XXXX I called the claims department and spoke to XXXX. I told him that the five ( 5 ) business days were up and what was going on with my claim and he rudely told me that I had to take my problem up with XXXX. I told him that I was Chase 's client ( customer ) and that I had done everything that Chase had asked me to do like getting a new debit card, changing my checking and savings accounts and they still paid XXXX I wanted to know from what account did they pay XXXX when on XX/XX/XXXX my old accounts were already changed and they were not supposed to go into my new account. 

To date, I have not heard from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: DISCOVER BANK
State: NV

Complaint narrative:
I XXXX XXXX contacted Discover Credit card company has charge of {$1100.00}. I called in XX/XX/XXXX spoke with associate about fraud being done on the alleged account that was opened in my name they asked to provide my id to identify me I did provide the information then I was sent 2 discover cards in my mailbox I did not request to have cards I requested to remove this account and now they are refusing to take off my credit they did not have my ID file and requested it. I call back in XX/XX/XXXX and still will not remove I never opened this card in my name I have filed a police report Event # XXXX with the metropolitan police depart on this fraud. Please remove this from credit as it is ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: MI

Complaint narrative:
I had filed a dispute on a charge because I was scammed out of {$300.00}. I had made a purchase and I did not receive the item that I was supposed to receive. And chase told me they dont refund scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I DID NOT APPLY WITH THIS COMPANY ON XXXX XXXXMUST BE A FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 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 2022-01-21 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: Experian Information Solutions 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 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 2022-01-21 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I sent a method of verification dispute Experian for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It's been over 45 days since I sent dispute and Experian have not answer as they are required by the FCRA.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
I filled a complaint with the XXXX  after I mailed a certified letter to Credit Acceptance regarding Deleting a old account for a car my brother use to own, and received information about the Repossession that shows that the payments remained in default and it should of been deleted off my credit report as of XX/XX/XXXX. On the letter I received from Credit Acceptance it showed that they added a repossession cost dated XX/XX/XXXX for {$390.00}. The account was listed current on XX/XX/XXXX, and starting XX/XX/XXXX it was a balance of XXXX and remained in default. When the car was repossessed in XXXX it was a balance of XXXX before the added repossession fee. So going off the Fair Credit Act it was suppose to be deleted 7 years from the default date which would of been XX/XX/XXXX, and they're still reporting negative remarks on my credit report. I just want this to be handled and deleted like it suppose to be.

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 2022-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was charged a {$110.00} fee for transferring a payment on XX/XX/2022 mistakenly as a transaction to my landlord as rent for the month. I had call PayPal to reverse or cancel the payment but they said they could not but instead asked me to call my landlord to return my payment but he would still be charged {$110.00} as fees. Since I didnt receive anything and this wasnt a transaction for good received I dont see how either I or my landlord should pay this fee. There was no where within the transaction journey that states that there was going to be a fee assessed when I receiving payment, if there was I would never have randomly clicked on transaction. Fees should be clearly stated, PayPal is knowingly being deceptive when theyre not providing an option to understand how fees are collected. This is a clear UDAAP violation. Id like the fee reversed. Ive attached the transaction ID below as reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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:
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 2022-01-21 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: Experian Information Solutions Inc.
State: CA

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 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 2022-01-21 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: CA

Complaint narrative:
Last XXXX, my wife received a letter from US Bank. If you open a new checking account, and with direct deposit {$5000.00} more within 60 days, you will receive {$400.00} bonus. I called the US bank to confirm that I didn't receive the letter, can I open a new account to get the reward. The representative said that you can open the account on line and use the promo code : XXXX to have a same reward. 

I opened a new account on line on XX/XX/XXXX, and direct deposit {$6100.00} through my employer before XX/XX/XXXX. Those will qualify to get {$400.00} bonus. 

But I didn't receive any bonus. I called US Bank many times, they said that you will receive the bonus because the computer system will take time. I keep calling every couple of weeks. They gave me different answers. 

In XX/XX/XXXX, I went to US Bank Branch in XXXX, Ca. She said that she will research the issue. She gave me an answer is that the reward gives the letter receiver. 

I explained to her. She does not want to listen.

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 2022-01-21 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: MD

Complaint narrative:
I have consistently called and mailed Equifax to remove inaccurate reporting on my credit report. I have called numerous times and have sent certified mail to their fraud department. I have filed an FTC report and provided the information they have requested. I called again today to ask the status of the removal of inquiries and I have been told something different every single time I call by a different agent. I have requested to speak to supervisors, but I get lost in the transfer or hung up on. I have not had any success with this company and it has been months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: United PanAm Financial Corp.
State: TX

Complaint narrative:
UACC has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 at XXXX XXXX XXXX, I received email that there was suspicious activity on my daughter 's authorized user card. At same time my daughter messaged me that credit card was declined. I called number in email and was told my card had been restricted. I asked why and was basically told that the agent didn't know but that I needed to upload copies of my driver 's license, proof of residence ( like a utility bill ) and my social security card before they could give me any information. I upload 2 of the 3 but can not find my XXXX XXXX XXXX social security card. I applied for replacement card from US Gov't but that takes XXXX weeks. I called again and escalated to manager who basically told me he doesn't know why my account is restricted and won't be able to until XXXX days after all info is uploaded. In the meantime, my daughter had a rental car with a pre-approved charge that was declined when she returned the car even though CapitalOne had already approved it ( and I have an email to prove that ). So my account waits in limbo -- can't be used and is neither open nor closed. And the most frustrating part is that they won't tell me why. AREN'T THEY REQUIRED TO TELL ME WHY WHEN THEY FREEZE MY CREDIT CARD? I googled " capital one restricted credit card account '' and apparently this is fairly common. I think they should accept alternative to social security card. I offered to upload a W-2 with my number and they said " no ''. Again, I can't help fix this problem if I don't know why and I have no idea why they need an electronic copy of my social security card. This is having serious consequences for my daughter who is going to school in XXXX and can not leave due to covid. She uses this card for her expenses and is now borrowing money from friends until I can find alternative credit card. BTW... .my credit is excellent and CapitalOne in the last month issued me a new Venture-X card with a $ XXXX credit limit, but has frozen my oldest card with them.

Company response to consumer: Closed with explanation