vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 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: TX

Complaint narrative:
XXXX XXXX XXXX - ACCOUNT WAS NEVER LATE. Fair credit reporting act violation. How is this verified? Not Late. Inaccuracies placed on my report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Failed to have adequate processes for accurately reporting checking account information : XXXX failed to establish and implement reasonable policies and procedures for reporting information about consumers deposit accounts. Without adequate policies and procedures, there is a risk that a financial institution may report inaccurate information about consumers checking account history. These companies are required by law to provide consumers with the results of investigations into their disputes. Between XX/XX/XXXX and XX/XX/XXXX, XXXX failed to provide this very basic service to thousands of its customers who were left in the dark about the disputes they filed with XXXX. 
ursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the CFPB order released today, XXXX is required to : Ensure accurate information is reported : XXXX must implement reasonable policies and procedures regarding the accuracy of information on consumers checking account behavior that it sends to consumer reporting companies. 
Inform consumers of investigation outcomes : XXXX must report the results of its investigations to consumers who filed disputes with the bank regarding the information reported about them to consumer reporting companies. 
Provide consumers with contact information : XXXX must provide consumers with the contact information of the consumer reporting company that supplied information that XXXX used to deny an application for a deposit account. 
Pay a {$4.00} civil money penalty : XXXX must pay a {$4.00} million penalty to the Bureaus Civil Penalty Fund.

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 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This company called me XXXX XXXX XXXX XXXX XXXX stating that I owed money to Citi bank that was in litigation. They had my name and SSN also dates of loan, but had the wrong address. Then then hung up on me right after saying not to worry about it. I called back finally reaching someone then hung up on me again. I believe they are trying to gain validation of information to commit identity thefts.

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 2020-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The companies response is that I hired a credit repair company. I sent in the FTC reports and XXXX  data breach paper work myself. Letters went out because I sent them on my own I did my research as stated in the XXXX  data breach paper works and I am very aware that this is a stall tactic that is used to slow down the process of my investigation. Please remove these inaccurate items from my credit report. The items are all FCRA violations and they go against my consumer rights. My information was breached in the XXXX  data breach and I stated that as well. I am trying to buy a home to keep custody of my children and these items that are reporting unauthorized and inaccurate are holding me back and is causing a great deal of stress. Please investigate thoroughly and update this incorrect information.

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 2020-12-08 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: CA

Complaint narrative:
The companies response is that I hired a credit repair company. I sent in the FTC reports and Equifax data breach paper work myself. Letters went out because I sent them on my own I did my research as stated in the Equifax data breach paper works and I am very aware that this is a stall tactic that is used to slow down the process of my investigation. Please remove these inaccurate items from my credit report. The items are all FCRA violations and they go against my consumer rights. My information was breached in the Equifax data breach and I stated that as well. I am trying to buy a home to keep custody of my children and these items that are reporting unauthorized and inaccurate are holding me back and is causing a great deal of stress. Please investigate thoroughly and update this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint against my mortgage servicing company, # XXXX. They had attempted to raise my mortgage payments by claiming that my escrow account was low. After several months, numerous calls, filing multiple complaints and supplying additional paperwork to confirm that I was not required to pay monthly escrow for taxes or homeowners insurance, they finally acknowledged their error and ensured me that it had been corrected. In XXXX I attempted to pay my property taxes and discovered that the company again had submitted a payment causing my escrow escrow account to show a negative balance of {$2800.00}. This action was taken by the company after having been told numerous times that I pay the taxes directly and they were not to submit any payments on my behalf. I am in the process of refinancing my loan to take advantage of the lower rates, because of their careless and negligent actions there is a possibility that the new mortgage will have to be higher in order to pay this debt. I am retired and on a fixed income, I have been paying my taxes on a quarterly basis and that is what I have budgeted at this time. They paid the total amount which now shows that I owe 2x the amount of money that had been budgeted for this expense. On XX/XX/XXXX I contacted their customer service and spoke to an individual named XXXX XXXX. He identified himself as a supervisor and stated that he would address the issue. I had not heard back from him after 1 week and sent an e-mail to an individual named XXXX XXXX in the Compliance Department. Ms XXXX initially did not even acknowledge receipt of the complaint and did not respond until I sent a follow-up e-mail. She then sent an e-mail saying only she was looking into it, there was no information about when actions would be taken to correct their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
ERC was not the owner of this debt. I paid this debt in full with XXXX the owner of this account on XX/XX/XXXX. Confirmation number # XXXX. I was told by the resolution supervisor XXXX that the account was owned by XXXX and by paying the account in full the collection from ERC would be removed from my credit report as ERC is a 3rd party collection agency and NOT the owner of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I contacted this company so many, many, many times and all they do just providing me with statements. Not only they didn't provide me with a proper debt validation, but they also as I found out filed a lawsuit against me, but failed to serve me. They ( according to their record ) served my sister. I dont have a sister and I didn't live at the address they allegedly served me. Its a Court Fraud .It is a violation of FDCPA and FCRA. 
they never provided me with " debt purchase contract '' or " debt assignment contract " .Its a robbery.

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 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
This mortgage was owned by XXXX who sold it to Specialized Loan Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX, Colorado XXXX ( XXXX ). 
This mortgage was purchased by SLS in XXXX, XXXX. I received a letter from SLS informing me of the purchase, but it stated XXXX would still service the loan, so the XXXX payment was made to XXXX. 
When SLS told me the XXXX payment was due, I told them it was made. We found out XXXX had sent this payment to SLS, along with the Escrow and all paperwork. It took SLS almost 30 days to acknowledge they located the payment. ( I had filed a complaint against XXXX over this ). 
In early XXXX, I received a letter from SLS saying they believed my homeowners insurance ( XXXX XXXX XXXX XXXX ) had lapsed in XXXX, XXXX, and had not been renewed. SLS stated they would wait for my response, then take out a new policy with THEIR OWN insurance co., at a much higher rate. I sent them the proof of insurance showing AUTOMATIC renewal in XXXX, XXXX until XXXX, XXXX. Next, a few days later, I received a letter and check from SLS saying I had an overage in my ESCROW Account, being {$3200.00}. I checked with the XXXX County, Fla. on our real estate taxes ( supposed to be paid from escrow ), and they were not paid. They should be paid in XXXX, XXXX. SLS could not tell me why the taxes were not paid. I finally asked they void the check and pay the taxes.

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 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Please see complaint XXXX. Chase ' response regarding the payment date of Escrow is completely made up. They claim to have paid property taxes on XX/XX/XXXX, the attached escrow statement shows they were paid on XX/XX/XXXX. I have also confirmed with XXXX XXXX that as of the morning of XX/XX/XXXX, taxes were unpaid. Chase did this on the same day as the payoff, despite being in receipt of payoff funds. They caused the entire shortage themselves and have now created hours of work for me trying to ensure I'm not paying per diem interest over their error. I still don't have my refund. It is now somewhere between Chase and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB HOME XXXX - ACCOUNT WAS NEVER LATE. Fair credit reporting act violation. How is this verified? Not Late. Inaccuracies placed on my report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Failed to have adequate processes for accurately reporting checking account information : Chase failed to establish and implement reasonable policies and procedures for reporting information about consumers deposit accounts. Without adequate policies and procedures, there is a risk that a financial institution may report inaccurate information about consumers checking account history. These companies are required by law to provide consumers with the results of investigations into their disputes. Between XX/XX/XXXX and XX/XX/XXXX, Chase failed to provide this very basic service to thousands of its customers who were left in the dark about the disputes they filed with Chase. 
ursuant to the Dodd-Frank XXXX XXXX Reform and Consumer Protection Act, the CFPB has authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the CFPB order released today, Chase is required to : Ensure accurate information is reported : Chase must implement reasonable policies and procedures regarding the accuracy of information on consumers checking account behavior that it sends to consumer reporting companies. 
Inform consumers of investigation outcomes : Chase must report the results of its investigations to consumers who filed disputes with the bank regarding the information reported about them to consumer reporting companies. 
Provide consumers with contact information : Chase must provide consumers with the contact information of the consumer reporting company that supplied information that Chase used to deny an application for a deposit account. 
Pay a {$4.00} civil money penalty : Chase must pay a {$4.00} XXXX penalty to the Bureaus Civil Penalty Fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
I lived at the property address XXXX XXXX XXXX XXXX, XXXX, MI. 
I put the comcast bill into my name. I paid my bill on time while I lived there. 
I moved out of this property, and cancelled my XXXX XXXX at this address and moved it to my new address. From what I have found out, they never turned the service off at this address. They continued to bill me at this address, which I never received any notifications on. This bill stayed on for 6 months without me knowing and the person in the house was using this service under my name. I am not responsible for this bill, I did everything i was suppose to to remove it from my name. Please remove this from my credit report, and remove the amount due from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
I purchased a Bluebird Pre-paid Card at XXXX for the purpose of depositing cash to transfer to my bank account since my bank does not have any branches where I live to deposit cash. Upon purchasing the card for a value of {$5.00} and putting {$500.00} into said card I arrived home to activate my account on Bluebird.com and have been unable to do so even with the help of the customer service at XXXX XXXX XXXX XXXX. Each time I call the customer service phone number they barely attempt to help me ; only instructing me to create an account and once that proves unsuccessful they place me on hold or say they are transferring me to someone else but actually hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: MN

Complaint narrative:
This company ( Reliant Capital Solutions ) indicates that I owe them for tuition for XXXX XXXX XXXX XXXX. Although I applied to the university, I never registered for classes or attended classes, and never agreed to be charged tuition, either verbally or through a written contract. After mutiple requests, the collection agency has refused to provide proof that the debt is owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
My Care Credit card operated by Synchrony Bank charged a " Card Security '' fee of XXXX a month and charged interest on this charge. I never signed up for card security or authorized these charges. I looked through all my paperwork and made sure this wasn't a part of the terms and conditions. In addition the card is to have zero percent interest for the first six months. 
I reported this to Care Credit/Synchrony Bank. I was told I had to contact Card Security to remove and refund the charges. I did this and I was told the charges would be reversed. It is too early to see if the charges have been revered. I will file a separate case if they don't.

I was told by a representative that Card Security is a third party. I called back to report this card security fee as a fraudulent charge and was then told by a different representative that card security is a department of Synchrony Bank. 
Bottom line is that this fee was not disclosed and not authorized. Interest was charged when it was not supposed to be. These are supposed to be refunded.

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