vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of UNCONFIRMED information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please reinvestigate the whole information especially the account type, date opened, balance, comments, and payment history. This information seems to be misleading. This will need to be updated pronto. 
XXXX SELF-REPORTED 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 2021-09-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I returned an item to Amazon.com on XX/XX/21 which was purchased with my Synchrony Amazon Prime Store Card on XX/XX/21. I returned the item via XXXX XXXX drop-off return option and was initially refunded for the item from Amazon, however on XX/XX/21 I was charged back {$51.00} from Amazon as they stated they never received the item. I tried to resolve this through Amazon, and they initially stated they would refund me, but this never happened so I eventually filed a dispute through Synchrony as they are the credit card issuer. I have since completed numerous redundant documents and forms through Synchrony and they have failed to resolve the issue. They have most recently even stated that I didn't complete one of their forms so they are closing the case, however I sent everything to them and have evidence to show this. Synchrony never even gave me a conditional credit on the disputed amount. I feel Synchrony is simply trying to avoid resolving the issue at this point and am asking for CFPB 's assistance as I don't feel this will be resolved otherwise.

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 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Greetings, My name is XXXX XXXX and im submitting this complaint myself and there is no third party involved. It has come to my attention that your company IC SYSTEM is making a conscious effort of being willfully non-compliant of a lawful document that has been sent mailed multiple times certified mail, submitted through the CFPB multiple times, submitted the FTC, and submitted through the XXXX XXXX XXXX multiple times. These classified documents. Corporate policy does NOT AND HAS NEVER superseded federal laws of the FDCPA, Truth In Lending Act FCRA, and Title 15.

The complete disregard of my lawful documents and rights will not be tolerated. My consumer rights have been violated due to various US Codes and at this point I'm a victim of harassment and abuse by Wells Fargo. I will give 10 days as a courtesy for officers/employees/agents/CFO 's at your agency ( IC SYSTEM ) to review the documents I provided.It would be the IC SYSTEM legal departments best interest to do their due diligence and to settle this privately.One the enforcement of this lawful document goes into effect there will be NO further negotiations. I need to be contacted immediately regarding this matter. Attached to this complaint is a Validation of Debt, A Affidavit of Fact, that is due on XXXX XXXX. 

I don't consent to you marking my CFPB complaint as a duplicate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was told a soft inquiry would be done not a hard inquiry. I did not signed any documents agreeing to run my credit, and i do not appreciate being lied to just so they can make a sale. 
XX/XX/2020 XXXX XXXX XXXX, Bank of America XX/XX/2020 XXXX Credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I do not owe these people any money and I would like for them to stop sending me court paper plus Im currently having problems to pay my own expenses how can I pay debt collator.I was out of work because of COVID-19 and I still havent recovered from it yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
Ocwen Loan Servicing was my mortgage servicing company. The mortgage was transferred to PHH Loan Servicing Company ( who merged with Ocwen ). Ocwen and PHH Mortgage are being sued by 33 Attorney Generals for allegedly charging unlawful servicing fees to their borrowers. I have approximately {$5000.00} in fees and other charges assessed on my mortgage. I have been late in the past due to a medical issue and a divorce, however, my home was never in foreclosure stage, nor my payments over 90 days late. 

In XXXX, my mortgage was transferred to PHH at the rate of 5.06 % and an original amount of {$150000.00}. PHH notified the credit bureau that my loan was modified and my credit rating dropped 70 %. This loan was modified in XXXX, 2008, for {$150000.00}. Somewhere between PHH and Ocwen, the loan went from a 30-year mortgage to a 45-year mortgage, unbeknownst to me ( with no balloon payment per customer service ). PHH has sent me a copy of the Modification Agreement. Now, after 13 years of paying this mortgage of approximately {$1000.00} monthly, PHH states that I still owe {$140000.00}. I am a victim of Predatory Lending by Ocwen and now PHH from XXXX-present.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that HUNTER WARFIELD would verify the debt. So I took it upon myself to ask HUNTER WARFIELD for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Please refer to the details of the complaint sent originally listed below with the attached evidence. The complaint is about deceptive practices where their statement shakes the account past due and a payment for the same amount at the bottom of the page. We received 2 call from XXXX in Truist escalation area and I returned the call and spoke to XXXX XXXX and gave exact clarity on the issue being the statement and the XXXX area not being able to answer the questions about the statement and the payment shown at the bottom of the statements. Truist closed the complaint with responses to XXXX reporting, XXXX Chap XXXX and a late fee and never answered why their XXXX mortgage area is ill equipped to answer questions and why is was the balance showing past due on an account with the payment of the same amount showing the bottom. Based on XXXX this is a deceptive practice. I called Truist escalation today XX/XX/2021 at XXXX to ask about the complaint and why was it closed without addressing the deceptive practice and XXXX XXXX says the matter is closed so he has nothing to look at so he cant respond even after I mentioned that I was seeking an attorney to assist ( please listen to the call ) He suggested that I open another complaint. This is unacceptable from a customer experience, risk mitigation and management. How many clients is Truist deceiving. Please HELP Review the companys response to your complaint.

The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. 

Thank you for participating in our complaint process. This complaint is now closed. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Trouble during payment process

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX I had XXXX taken out of my account without my authorization. I have phone alerts set up to my phone which never went off, I went to withdraw money at the ATM and it said I have reached my limit for the day, so I immediately went on my account and it said I withdrew XXXX that day.Then went on to find more was withdrawn the day before.I immediately called Bank of america, got my card canceled and a new one sent out and the remaining balance transfered to a different account so I wouldn't have any more issues, and filed a claim.I have been speaking with different people everytime I call and have been getting the run around.They have asked me to file a police report, I did that.Then I was asked to send a statement of my whereabouts that day, I did that.I keep getting denials on my claim which they are being sent out a day after every time I speak to someone on the phone so I'm not sure how it's being investigated that fast.So then I filed a complaint with this company and I received a email from a resolution specialist XXXX XXXX, asking to call her.I have called numerous times left numerous messages, no call back to this day.So I called again to the claims department and now was asked to submit the police report with a copy of my driver 's license.Which I have now done.Now I have waited a week called back again and they really nothing more to say.I have done everything they asked.I told them to look on their cameras they told me they were not working that day, which now a different person has told me they always work.So I'm not understanding why here it is XXXX and still have not received 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 explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
This account has been removed several times but keep reappearing. They are reporting inaccurate information on all three bureaus. XXXX is different on two bureaus. Labeled as a factoring company on one bureau. One account marked closed and others opened. If this account is verified information should be alike across all bureaus. This account has bought me financial distress because of their negligence. I am asking to cease all collections and removal from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I recently received a letter in the mail from First Horizon Recovery Department stating that this was attempt to collect the debt for a account that was in the positive for {$5200.00}. According to federal law I am not obligated to pay any amount debt in which, I responded back to them with a affidavit of truth letting them know about the violations that was violated. I haven't received a full line by line response from them yet they only answered part of my affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: FL

Complaint narrative:
I have called XXXX XXXX XXXX and Equifax more than 10 times. I have submitted the appropriate dispute documentation more than 5 times. They have refused to help. The hard inquiry is fraudulent, and the information that has been sent shows the appropriate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Tuesday XX/XX/2021 I called Capital one credit card to remove a late fee of {$40.00} and they refused to remove it because it happened the month before, I have 4 accounts with Capital one credit card I was never late with any of the other 3 credit cards, and I explained to them my online banking for some reason did not want send my payment for the master card, but the other 3 visa capitol one I have no problems, and I called my bank and they did not know why I asked the customer service lady to speak to the manager and it took long time to get the manger to speak to me, and the manger refused to remove the late fee, I called Capitol one credit card again today XX/XX/2021 and I offered XXXX from Capitol one credit card to pay off the Master Capital one credit card so she can remove the {$40.00} fee so I would not have in my credit report but she refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management claims I owe {$1700.00}. They have reported the amount multiple times on my credit report which lowers my credit more than a single report. Furthermore, they claim on their website that I made a payment for {$5.00} on XX/XX/2021 towards the allegedly owed amount. I never made such payment and my checking account statements will reflect that. I don't understand why they would do that - perhaps to subvert the statue of limitation of the alleged debt. Of note : a previous lawsuit involving Midland Credit Management resulted in being settled in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been longer than 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been longer than 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: CITIBANK, N.A.
State: CT

Complaint narrative:
CITI bank CBNA has done a hard credit inquiry on my credit record without my approval. 

Incident date XX/XX/2021 company involved CITI CARDS/CITIBANK Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX Phone number ( 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 2021-09-15 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: HOME FINANCING CENTER
State: FL

Complaint narrative:
show in my credit report a company whit the name XXXX, I have give a call and ask why I have this report so they tell me a company whit the name home financing have look my credit three times. so I call the company homem financing and asking if they have any documents signed by me give a authorization to look my credit and they dont have.

I did not authorize this. they dont have any documents nothing, I need this issue resolved this lower my credit score I have call the company and send email to the manager try in solution this in the best way.

this is the three reference number. 


XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: CO

Complaint narrative:
My credit card information was compromised through a purchase I made through XXXX  in XX/XX/XXXX. I learned of where my card was compromised in early XXXX, after I reported the credit card fraud to my bank, Bank of America. On XX/XX/XXXX, my card was charged three times, in amounts of {$1.00}, {$41.00}, and {$45.00} and on XX/XX/XXXX, my card was charged 8 times, in amounts of {$43.00}, {$41.00}, {$41.00}, {$41.00}, {$48.00}, {$41.00}, {$47.00}, and {$41.00}. Total is {$430.00}. These purchases came from the merchant name, XXXX under the category Shopping & Entertainment : Clothing/Shoes. None of these transactions were made by me and as soon as I noticed, I called Bank of America to cancel my card and report the fraud. Bank of America refunded me initially, but then re-charged me when they received some sort of delivery notification for these transactions. I reopened the case as I did not receive any of these fraudulent purchases. I told the agent with BoA that I have not made a purchase on XXXX since XXXX and that credit card was never attached to my account. I also confirmed with him via recordings on my XXXX XXXX that no packages were delivered when he said they were. He could not confirm the delivery address, only that they had been delivered. They denied the case once again, so I opened it back up and the agent I talked to the third time suggested opening a police report to help get me a refund for these fraudulent purchases. I did that on XX/XX/XXXX and the police report was approved by XXXX XXXX Sheriff 's Office on XX/XX/XXXX. I visited a Bank of America branch on XX/XX/XXXX and brought in a copy of the police report, screenshots from my XXXX account that show I have not made any purchases, and a letter from divvyupsocks.com that states my card was compromised. Both the agent in the branch and the fraud service agent on the phone apologized to me and told me this should be more than enough to get this taken care of. The documents were faxed over that day. I also asked at that time to receive whatever proof of delivery they have. They said they would mail it to my home address. I have yet to receive that or any notification that it is being sent to me. I have received nothing from Bank of America that shows they have proof of delivery for these fraudulent purchases. I received a letter in the mail dated XX/XX/XXXX stating that my fraud claim was once again denied. I will be visiting the branch again today, XX/XX/XXXX, to re-open the claim and let them know that I've filed this complaint.

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