vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 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: U.S. BANCORP
State: OH

Complaint narrative:
I collect unemployment from XXXX. From XX/XX/XXXX to XX/XX/XXXX my US Bank ReliaCard was compromised for over {$12000.00} I contacted the bank and they opened a fraud investigation in XX/XX/XXXX I didnt get a results back until XX/XX/XXXX and they said they denied it I re-opened it up and they denied it again on XX/XX/XXXX I submitted paperwork stating every transaction that was fraud from XXXX to XX/XX/XXXX that sent me a print out of all my transactions and asked me to outline them and explain which was for fraud and so I did they credited my card {$1400.00} from them from the charges from the month of XX/XX/XXXX you can look at my charges and its very clear that they are fraud its the same companies over and over again making multiple multiple transactions I called today XX/XX/XXXX and talk to the supervisor in the fraud department at XXXX ReliaCard and she informed me that they had found that my case was not fraud I would not lie about this I can go to federal prison I feel like Im being totally cheated out of money because they dont wan na pay me I dont know what to do I have followed all the proper steps Ive submitted all the proper paperwork and I also called 13 vendors that were on my print out which is not even a fourth of them and they told me they did not know why I was calling them because that was not my job but they did look and tell me that they had no paperwork from US Bank ReliaCard stating anything about me so how can I find that my case is fraud if they didnt even investigate it. This is been a year now been fighting this and I still get the same answer they dont see any fraud in it but they havent even investigated it is just called me financial burden XXXX  XXXX  and major XXXX  now if you can give me back {$1400.00} for the month of XXXX which is not all the charges obviously this is a fraud on my account I have called and reported every time I transactions with you that I did not authorize please help me I need my money this is absolutely ridiculous I dont wan na have to pay a federal lawyer I know one but he charges over {$500.00} an hour and I dont have the money to do it so please help me my name is XXXX XXXX my XXXX XXXX is XXXX or XXXX please help me I need your help the number to U.S. Bank ReliaCard 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 monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Snow and Sauerteig LLP
State: OH

Complaint narrative:
n XXXX Snow and Sauerteig Collect have been on a mission to ruin my life for 3 years now. I was dragged in and out of pre court hearings for months were they repeatedly told me the only way forward was to sign their documents obligating me to pay over {$5000.00} for some wrongfully charged medical bills. 

At this point I was heavily pregnant, single, raising my XXXX XXXX XXXX working full time and getting through my final semester of college with 7 classes. At the time of my hospital visits ( XXXX ) I was on XXXX but not fully covered due to my immigration status. My coverage was for emergencies only of which I had visited the hospital while XXXX XXXX XXXX XXXX XXXX. Despite having the coverage, I still received thousands of dollars in bills for having a XXXX and visiting the hospital. I found out about a pro bono lawyer XXXX XXXX who was kind enough to fight for my rights and had the 2 cases dropped with no prejudice in no time About 3 months later in XXXX of XXXX another collection amount was added to my credit report without by Snow and Sauerteig without notice and I reached out to explain that I we had already gone through this and had similar charges dismissed with prejudice, I had been overcharged by hospital as a XXXX cardholder and referenced the other two cases asking them to stop doing this to me. At that point I had a moved out of the state XXXXXXXX to XXXX after having my the XXXX XXXX XXXX baby and simply didnt have the time or energy to go back and forth again but Snow and Sauerteig never responded or removed collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We have been having problems with Shellpoint mortgage servicing for over a year. In the year XXXX we had a some financial setbacks and they put us a forbearance plan and then the covid 19 hit us hard and they again awarded us a covid forbearance plan around XXXX of XXXX. We felt comfortable starting our payments again and were told that we had to come up with XXXX dollars up front. We didn't have anything close to that. We hired a attorney firm to work with us and still haven't resolved this nightmare. It's been 9 months and they still seem to make some excuse why they haven't come to a decision. We asked for a modification and they said we had too much equity in the house to qualify. In XXXX of this year they said it was sent to the underwriters and we have not heard anything. They keep telling our attorney some excuse after another. 
Our attorney as asked numerous times to escalate this matter to no avail. It has physically and mentally effected both of us. They have not contacted us by letter, email or phone call in over a year and it is up to XXXX to make it current, which is impossible for us to come up with. We just want to start making payments or go to another loan company. 
thank you very much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2021, a complaint was filed against XXXX XXXX Mortgage with CFPB to recover a missing mortgage payment in the amount of {$3400.00}. The mortgage payment in question was made on XXXX XXXX through my checking account at Bank of America XXXX 
An investigation conducted by a XXXX XXXX Mortgage, on XXXX found, the XXXX XXXX payment was returned to the Bill Pay Department XXXX Bank of America XXXX XXXX XXXX, and therefore, I should contact Bank of America for XXXX XXXX recovery. 
I have contacted Bank of America several times and requested, that the payment received on XXXX XXXX from XXXX XXXX Mortgage XXXX credited to my checking account at Bank of America XXXX So far, Bank of America has not complied. 

My request is, to have Bank of America XXXX the XXXX XXXX XXXX XXXX Department XXXX Bank of America and locate the returned payment in the amount of {$3400.00}. 

Please note. XXXX XXXX claims, XXXX mortgage payments were returned to Bank of America on the following dates : XXXX ) XX/XX/2021 ( Not Credited to my account ) XXXX XXXX retuned to XXXX XXXX Department at B of A. 
XXXX ) XXXX XXXX ( Credited {$3400.00} to my account ) XXXX ) XXXX XXXX ( Credited {$3400.00} to my account )

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 2021-11-12 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I have spoken with Bridgecrest on XX/XX/2021, XX/XX/2021, XX/XX/2021 and filed a dispute with experian on XX/XX/2021 which was completed on XX/XX/2021 regarding this issue. My car was deemed a total loss on XX/XX/2021. The lender Bridgecrest reported it to the credit agency as a closed account with a comment paid by insurance instead of paid in full with the amount that was paid. Ive spoke. With them multiple times and each rep has stated that I can dispute it and then itll get corrected and so when the dispute results came in XX/XX/2021 the only thing that changed was the comment nothing else. I did not willing close this account the account was still active when my car became a total loss, the check was back dated to XX/XX/2021 so I do not understand why the account will show closed instead of paid in full. Bridgecrest sent me a paid in full letter on XX/XX/2021. But are not reflecting the information correctly on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This credit debt was paid off over 2 year ago and the creditor is refusing to take it off my report. 
I am in the process of getting a mortgage and the company is being super awful and no cooperating with me. 

I'm attaching my bank statements to prove this debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I received communication from Great Lakes in regards to a student loan obligation. I am requesting information to validate proof of claim to the alleged obligation. 

See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
i purchase items over the internet and was pay with my master card true Pay Pal the items come all destroid and contact pay pal and they said to send the product back also to send photos copy of invoice and i did i spend almost {$60.00} dollars to send the products back, i did send everything i have to pay pal and later they said they not going to aprove reinburstment bucause i did not send the invoices and photos wich i did so i dont know what to do i lost {$100.00} on the purchse and {$44.00} to send them back please help me, thank you XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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 — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I overpaid CapitalOne {$110.00} ( {$100.00} + 10 cash advance fees for unfunded transaction ) but they refused to refund my money because I am not able to provide them a copy of my SSN card. I requested to close the account several months ago and the money was not refunded. The monthly statement said I have a - {$100.00} but CapitalOne still did not want to send me the check for that amount. They kept saying there was a restriction on the account because I did not mail them my social security card. I verbally provided them but that was not enough for them. I do not have the physical SSN card so I can not provide it to them. 

The social security website says that we don't need to have the physical SSN card, just remember the number is adequate. CapitalOne is using unreasonable reasons to keep people 's money without paying interest ( while they charge people over 25 % interest for using their money ). I offered CapitalOne that I could provide them a copy of my passport, but they said no. Basically I have to give them what they ask or they would not refund my money. 

I provided CapitalOne everything they asked for when I applied for the card. Now they just don't want to refund the money because I can not come up with the physical SSN card. If they ask for my physical birth certificate and I don't have one, do they have the right to keep my money? In my opinion, CapitalOne is comparable to thieves and unethical. Capital One should be investigated for their unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Earm LLC
State: WA

Complaint narrative:
XXXX XXXX if this is you please press one now or hold for message my name is XXXX XXXX calling with MAC we're calling in regards to a return payment on your account if we do not hear from you your account will be flagged is unresponsive we wish to make a decision on your file today however without your input the account in question will be labeled as a refusal and paperwork will be filed in your county please call us immediately to discuss this case you can either press one now or the phone number that you can use to reach your case manager is XXXX again that is XXXX thank you

Company response to consumer: Untimely response
Consumer complaint received 2021-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have been disputing this account with the bureaus since XX/XX/XXXX and started to dispute directly with the company, Discover Student Loans, on XX/XX/XXXX. When they didn't respond to me, I sent another dispute requesting validation of debt on XX/XX/XXXX and again on XX/XX/XXXX. Today is XX/XX/XXXX and I have sent ANOTHER dispute through certified mail to Discover Student Loans, but to date I haven't received anything from them and I don't believe this debt is valid! They have yet to validate it as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my personal credit report, which I acquired from your organization and I noticed unauthorized and fraudulent credit inquiries had been made. I contacted the sources who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate these inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report at the address listed above.If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX XXXX XXXX  of completing the investigation. The inquiries are as follow : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX & XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: TX

Complaint narrative:
I checked my personal credit report, which I acquired from your organization and I noticed unauthorized and fraudulent credit inquiries had been made. I contacted the sources who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate these inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report at the address listed above.If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. The inquiries are as follow : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: NC

Complaint narrative:
Around XX/XX/XXXX I filed a 2nd Compliant ( # XXXX ) with CFPB and the North Carolina Attorney General 's Office Division of Consumer Protection against Experian for improperly reporting a XXXX Bankruptcy on my Consumer Credit file. Experian now refuses to re-investigate this earlier " verified '' that they were provided this information by 3rd Part vendor XXXX XXXX even though I have provided proof in writing on two ( now three ) occasions that their reporting is incorrect and inaccurate, and they are using an excuse to not remove it. I included with both complaints a letter from XXXX XXXX dated XX/XX/XXXX along with a 2nd letter also from XXXX XXXX dated XX/XX/XXXX both clearly stating in writing that the bankruptcy previously reported by them from XXXX Case XXXX was reported in error on their part and has been removed from all XXXX XXXX reports and reporting effective XX/XX/XXXX and copies of both are attached. Therefore, that alleged verification is not true and inaccurate as the letters dated XX/XX/XXXX and XXXX/XXXX/XXXX directly from XXXX XXXX show. Therefore this XXXX Bankruptcy XXXX is being reported on my personal credit report illegally and MUST be removed as per Federal Law. However, Experian refuses to " reinvestigate '' and remove this incorrect reporting. 

In addition, on XXXX I obtained my complete 102-page XXXX XXXX report. In that report it clearly shows NO bankruptcy in XXXX Case XXXX. It only shows closed cases in XXXX and XXXX ( and have attached a copy ) that have since legally aged off of my credit reports as they should have and have been removed by all Credit reporting agencies. 

In addition, I also disputed this same case on the same grounds with XXXX and in their investigation, they admitted it was reporting wrong and removed it from their credit file on XX/XX/XXXX as Experian should have also done.

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 2021-11-12 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have spoken with XXXX on XX/XX/2021, XX/XX/2021, XX/XX/2021 and filed a dispute with experian on XX/XX/2021 which was completed on XX/XX/2021 regarding this issue. My car was deemed a total loss on XX/XX/2021. The lender XXXX reported it to the credit agency as a closed account with a comment paid by insurance instead of paid in full with the amount that was paid. Ive spoke. With them multiple times and each rep has stated that I can dispute it and then itll get corrected and so when the dispute results came in XX/XX/2021 the only thing that changed was the comment nothing else. I did not willing close this account the account was still active when my car became a total loss, the check was back dated to XX/XX/2021 so I do not understand why the account will show closed instead of paid in full. XXXX sent me a paid in full letter on XX/XX/2021. But are not reflecting the information correctly on my report.

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