vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 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: TX

Complaint narrative:
I purchased a XXXX XXXXXXXX machine from Amazon for XXXX on XX/XX/2021. The machine never arrived. I contacted Amazon several times. Finally Amazon stated that they were going to refund the money to my Amazon Credit Credit Card. I still have not received my refund. I'm still being billed for merchandise that I never received

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 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
I applied for a Mortgage with SOFI, I have a XXXX credit score, more then enough assets, what ever they asked for I provided at least twice, and in a timely manner, there web site had numerous problem, that prevented them from not seeing what I sent, even though I can see it, that said I locked into my mortgage on XX/XX/XXXX and its still pending with no end in sight, every time they ask for something I give it, then that ask for more, they give me a day to get it for them, every single time that ask I give, within 24 hours then they ask for more, they admit they lost track of things, I want this mortgage to close ASAP, I more then qualify for this kind of mortgage, Im not taking money out, Im just having the rate lowered, please advise me what to do, SOFI is supposed to be easer to get these things done, yet I can not, again every time I give them what they ask for, they ask for more. 

Thanks, XXXX XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I closed and satisfied my mortgage with AmeriHome on XX/XX/XXXX in which the total for taxes and homeowners insurance was paid for up front by the new mortgage company, XXXXXXXX XXXX on XX/XX/XXXX in the amount of {$4200.00}. 

Since the new mortgage company ( XXXX XXXX ) paid for this balance in full, the original mortgage company ( AmeriHome ) owes me this money which they managed through the escrow account. According to their customer service department - a check was " supposedly '' cut and mailed via the US Post Office on XX/XX/XXXX. 

It is now XX/XX/XXXX - and I still have not received this, " supposed '' check. I have called AmeriHome numerous times, and each time I get a different answer, where someone either says, " Oh no, they just cut the check now. '' or " Yes, the check was sent in XXXX and we can't track it because it was sent through the US Post Office. '' When I ask to speak with a manager or supervisor who can resolve this issue, they say that they have to put in a request ticket and someone will reach back out. I have done this several times last month, and no one has called me back. I don't understand what is going on with AmeriHome, but this institution owe me my money and I want for this matter to be resolved asap and that I receive the check for monies that are owed back to me right away and with a tracking attached to it. This is professional negligence on behalf of AmeriHome. Their lack of transparency is a major issue and I demand for someone to address this issue right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: F.H. Cann & Associates, Inc.
State: IL

Complaint narrative:
F H Cann and Associates Incorporated XXXX XXXX XXXX # XXXX, XXXX XXXX, MA XXXX has an abusive call policy : they record all calls and do not allow consumers to request not to be recorded -- their policy is to hang up on those calls, creating a harmful environment for consumers that want want to verify their legitimacy while not being recorded. Agents refused to answer company information that is public knowledge like their physical address which created me harm when thinking they were a scam. Their agents and supervisors make it seem like this scenario is the consumer 's problem and use language that felt like I was to blame. I heard phrases like, " Whatever you ask me, I don't know '' ( XXXX XXXXXXXX ) which makes them feel like a scam. I heard, " Are you done? '' ( XXXX XXXX  ) in an aggressive tone from a supervisor which belittled my legitimate concern. One of the agents ( XXXX XXXXXXXX ) created a hostile environment for me when his crying child appeared in the background of my formal complaint. Also, it took an outrageous amount of time or I received hostile answers from agents XXXX XXXX, XXXX XXXXXXXX and supervisor XXXX XXXX. The phone number that supervisor XXXX XXXX provided to reach Manager XXXX XXXX at XXXX did not have a voicemail available and instead had the unhelpful runaround XXXX XXXX. Supervisor XXXX XXXX 's notes say she explained their Recording Policy as " security reasons '' but I do not remember that explanation in our call. F H Cann and Associates needs to not hang up on calls that request not to be recorded and should have the ability to control their call recordings. F H Cann and Associates needs to answer public knowledge questions about their company when asked. F H Cann and Associates needs to ensure the staff mentioned can appropriately handle escalated calls in a way that doesn't blame consumers for these legitimate concerns. Calls from XXXX at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Capital One account was opened in XXXX and continues to be open today. In XXXX of XXXX, I received a letter from Capital One stating I was 90 days past due on my account. I paid off the account in XXXX of XXXX with a payment in excess of {$8300.00}. Since XX/XX/XXXX, only monthly subscriptions were charged to the account and I continued paying the small bills. My credit was very high ( XXXX ) in the beginning months of XXXX, however, this has destroyed my credit and needs to removed immediately from my credit file. I called Capital One in XXXX of XXXX and asked for an explanation as to why I hadnt received any bills in the mail until I received a 90 day delinquent notice. I was told by the representative that I had changed my billing to electronic. This is a complete falsehood. I never opted to receive my bill electronically and I asked the representative to tell me what email they have and she stated they had XXXX. I never received or responded to any email from Capital One stating that I wished to change my billing preferences. I would like Capital One to produce the correspondence showing that I elected to receive my billing statements electronically. If that can not be produced, I believe that Capital One should remove this derogatory information from my credit file with all three agencies. Additionally, I hired XXXX XXXX to try and rectify the situation and it didn't seem to fit any of their pre-determined categories. I wasted over {$300.00} with their service. I never changed my billing preferences and never received a bill to pay until I received a 90-day letter in XX/XX/XXXX. My account was paid in full immediately after receiving the letter in XXXX of XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Creditors Bureau Associates
State: TX

Complaint narrative:
I have sent in two police reports and 3 other cfpb complaints. This account is fraudulent, my name was used for identity theft. I have also sent in several FTC identity theft reports since XXXX of last year. This company had deleted this multiple times and then reports it back to my credit. I need this PERMANENTLY deleted from all 3 bureaus and never reported again. This is defamation and negligence and I have tried to give the company a chance to fix this before I pursue legal matters. My name was used in an identity theft crime. The police are searching for the perpetrator. This needs to be deleted from my credit permanently and never reported again. I called in and spoke to a collection manager and she was helpful to saying the would work on this matter. But it has yet to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Shellpoint Partners, LLC
State: UT

Complaint narrative:
Shellpoint Mortgage Servicing is reporting erroneous lates on my credit file. I had a few erroneous lates that were removed due to me being in forbearance but after the forbearance was over they reported new lates. I was very confused as i had set up automated payment 's. I called to ask why those lates were being reported and they told me no automated payments were set up and those payments were missed. I requested they listen to the recording where i asked for the representative to set up automated payment 's. This conversation was 30+ minutes long, after we discussed the deferment process i requested auto pay. They have " investigated '' but i don't think they even listed to the recording where i know for a fact i requested the automated payments. This is now the second time i have had erroneous reporting 's and I'm truly upset as a long time customer. This has ruined my credit and also is getting in the way of me being able to obtain financing which is very important to me and i take very seriously. I need a full investigation and for these lates to be removed from my credit. If the lates are not removed and i don't receive proof of the reporting being accurate then i will take further, legal, action.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that 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 the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: IL

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 I received an email from XXXX stating I placed an order for Baby Formula and shortly there after I received another email saying my order was added to for air pods. Both purchases were made in XXXX Tx. I live in XXXX Tx and have never been to XXXX. I did not place these orders so I contacted my credit card company which is Chase letting them know I did not place these orders and that they are fraud. Chase said they will issue me a new card number and that I would not be responsible for fraudulent charges. On XX/XX/XXXX I saw the charges were back on my account and I received a letter from Chase saying I am responsible. I called and spoke with someone and they said they would look into it. I did not get their name. I called back on XX/XX/XXXX and spoke to XXXX from Illinois and he said he would submit it for further review. He also said I would hear from someone within 3-5 days. I still hadn't heard from someone as of today, XX/XX/XXXX, so I called and spoke with XXXX XXXX I'm not sure if I got his name correctly ) and he said it can take 1 to 2 billing cycles for resolution. I am very upset with this situation. I am a person with a credit score of over XXXX and I pay my bills always and in full. I am wanting a resolution and I want to not be responsible for charges I did NOT make. I will attach all documentation that I have. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I bought my first home on XXXX XXXX with Newrez mortgage, this company is owned by Shellpoint Partners LLC. On XXXX XXXX Newrez withdrew from the escrow account {$6000.00} to pay the first quarter of my property taxes. From XXXX until XXXX my mortgage payment was {$2000.00}, of which {$800.00} went to the escrow account to pay for taxes and insurance. As of XX/XX/XXXX, the balance on the escrow account was approximately {$3200.00}. On XX/XX/XXXX {$6000.00} were withdrawn from my escrow account leaving my account negative - {$4300.00}. My quarterly property taxes are {$1700.00}. My problem is that when I call the city of XXXX, they said that they havent received my tax payment yet and they were also surprised about the amount. The mortgage company gives me a different story every time I call, they have no proof they can provide me for the payment because the payment was made electronic and the city of XXXX can not help me until I get the proof. This problem has caused my monthly mortgage payment to increase by almost {$840.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Risecredit, LLC
State: UT

Complaint narrative:
Received a phone call today from rise never opened a rise account they were calling to collect payment I informed them that it wasnt my account that I would be falling filing a fraud with a police report they would not give me account number or an address that they had listed for me but yet they wanted money for me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: PA

Complaint narrative:
I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, ( INSERT CLIENTS NAME ), also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of15 USC 1681b- ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm writing to you according to my The Home Depot CBNA card that was opened on XXXX XXXX, XX/XX/XXXX I was never notified about that account. Someone used my personal information for opening credit lines by my name. I filed police report number XXXX on XXXXI could not contact cfpb because I did not know about its existence and that they can help me here.

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 2021-03-25 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: AZ

Complaint narrative:
Have submitted ALL required documentation to report & block ( remove XXXX accounts that where reported as identity theft. Ive submitted : - a letter notifying XXXX XXXX XXXX XXXX - Identity theft report with FTC - Identity theft report with XXXX XXXX XXXX - list of fraudulent accounts - copy of my XXXX XXXX XXXX XXXX card and recent utility bill. 
Ive submitted all the above documentation 3 times with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: LEXISNEXIS
State: FL

Complaint narrative:
on XXXX i sent a letter to LEXISNEXIS concerning a bankruptcy thats inaccurate. I challenge the validity of the account # XXXX. They failed to respond to me and its been over 45 days. This is a violation to my consumer rights. Whats the method of verification when when the courts do not provide documentation or verify with me. 
I am requesting the removal of this bankruptcy chapter XXXX # XXXX. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: FL

Complaint narrative:
My XXXX XXXX account was opened in XXXX and continues to be open today. In XXXX of XXXX, I received a letter from XXXX XXXX stating I was 90 days past due on my account. I paid off the account in XXXX of XXXX with a payment in excess of {$8300.00}. Since XX/XX/XXXX, only monthly subscriptions were charged to the account and I continued paying the small bills. My credit was very high ( XXXX ) in the beginning months of XXXX, however, this has destroyed my credit and needs to removed immediately from my credit file. I called XXXX XXXX in XXXX of XXXX and asked for an explanation as to why I hadnt received any bills in the mail until I received a 90 day delinquent notice. I was told by the representative that I had changed my billing to electronic. This is a complete falsehood. I never opted to receive my bill electronically and I asked the representative to tell me what email they have and she stated they had XXXX. I never received or responded to any email from XXXX XXXX stating that I wished to change my billing preferences. I would like XXXX XXXX to produce the correspondence showing that I elected to receive my billing statements electronically. If that can not be produced, I believe that XXXX XXXX should remove this derogatory information from my credit file with all three agencies. Additionally, I hired XXXX XXXX to try and rectify the situation and it didn't seem to fit any of their pre-determined categories. I wasted over {$300.00} with their service. I never changed my billing preferences and never received a bill to pay until I received a 90-day letter in XX/XX/XXXX. My account was paid in full immediately after receiving the letter in XXXX of XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
Repeated, unwanted, and unwarranted calls from XXXX which is some sort of debt collection agency. Calls occur even though there is no known collection or judgment against me or anyone at my number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: WI

Complaint narrative:
This number has been calling me every single day for the past year trying to collect debt from me even though it is my mother 's and not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief