vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: OH

Complaint narrative:
Possible Finance only allows you to make payments with linkable bank accounts through a company called XXXX. My bank is XXXXXXXX XXXX  through XXXX XXXX and, for reasons I dont know, isnt linkable, so Im unable to make payments. Thinking there must be another way to pay, I reviewed Possibles payment procedures and it confirmed that this is in fact the only way to payand their noted solution is to try again from a linkable bank account at a later date. This is caused me to be unable to make payments and two 30-day lates on my previously perfect pay-history credit report. Ive opened a dispute with the three credit bureaus but nothing has changed to-date. If Possible Finance is going to report adverse pay history to credit bureaus, they need to give consumers the ability to pay with any bank account they choose, accept debit cards without having to link a bank to the card or allow in-person payments at XXXX. I would like help from the CFPB in removing the adverse credit reporting and requiring that the lender accept enough money to pay off the loan ( {$200.00} ) from a non-linkable bank account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: MA

Complaint narrative:
I was charged {$670.00}. on my Chase Sapphire card for an outdoor furniture purchase I made in XXXX, XXXX from XXXX XXXX XXXX ( the merchant ). The merchant 's website said it was a " quick-ship '' item and would be shipped in 4-6 weeks. After 4 weeks, I asked for the status of my order and was informed me that it would take another 16 weeks for it to ship. I cancelled the order because by the time it shipped, summer would be over. The merchant confirmed that it was cancelled. In XXXX, I realized that I wasn't refunded for the charge. I contacted the merchant and they asked me if I wanted to cancel the order. I told them I already did cancel. They confirmed that it was cancelled. In XXXX, I got a call from the shipping company saying that they were trying to deliver my order. I told them that I cancelled it. I contacted the merchant and told them that I cancelled the order twice and asked for the status of my refund. The merchant said that they would refund me. In XXXX I checked my credit card statement and found that there was still no refund. I emailed the merchant again and received a reply that stated only " refunded ''. In XXXX, there was still no refund on my statement so I opened a claim with Chase. I provided them with written documentation to support my claim. In XXXX I was told that the charges were correct and it was too late to make a claim. I appealed the decision and in XXXX, XXXX Chase responded that stating that the charge was correct and if I have a dispute with a merchant I need to take it up with the merchant. So here I am. I don't have my {$670.00} and I do not have the patio furniture. During this time I have contacted XXXX XXXX XXXXXXXX by email and by phone, asking them to tell me how and when they refunded me. They do not respond to any of my attempts to resolve this. The bottom line is that XXXX XXXX XXXX and XXXX XXXX XXXX have my money and the patio furniture. I have been a good customer for Chase, and it stuns me that they can see clearly that merchant did not refund me when they specifically stated that they did and yet they won't credit my account and charge back the merchant for both the initial charge and interest that has accrued on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Ive asked the company and credit bureaus to remove debt that is 7+ years old. The debt keeps reappearing. The account was charged off in XX/XX/XXXX, so its 7 years and 10 months old. Please assist. 

Account info Account name SYNCHRONY BANK/CARE CREDIT Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$3.00}, XXXX written off. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$3000.00} Highest balance {$3800.00} Terms NA Payment history XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days 150 Past due 150 days XXXX Closed XXXX  Charge off XXXX No data for this period Payment history guide Charge Off as of XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX Contact info Phone number ( XXXX ) XXXX Address C/O XXXX XXXX XXXX XXXX XXXX FL XXXX Comment Current : Purchased by another lender. 

Previous : None

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH Mortgage is not reporting my mortgage to credit bureaus. My credit report shows no mortgage loan. I have contacted them about this and no results..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX is not reporting my mortgage to credit bureaus. My credit report shows no mortgage loan. I have contacted them about this and no results..

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 2023-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was denied in store for a Lowes Advantage consumer credit card. I received a letter stating " high risk source of application '' a week or two later. Whatever that is. No contact information in the letter at all or any recourse. It is difficult to impossible to find XXXX contact information. I tried again approximately three weeks later at home on wifi speculating Synchrony might consider that secure. Denied again when I tried to pre-qualify. I have excellent credit, a good job and no credit card debt. XXXX reasons I should have been embarrassed in the store. Also, I am doing a large renovation project on my house so not receiving the 5 % off is costing me money.

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 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I contacted case bank in regards to my credit card, I was tied up in union dispute over my employment at the united states postal service. I was a federal employee which means I was entitled to no unemployment benefits. My income went for XXXX to XXXX  While attending to this matter. I was supposed to have been covered for this type of event but when I asked them about how much of my debt would be covered/how long ( this could take months has been know to take up to 1 year ) no one could give me an answer as to how to even file the claim! I continued to be harassed multiple times per day even on the weekends while at a very low point in my life until they sent me to collections. My credit is ruined and I paid money to protect myself against things of this nature. I am starting to feel as if they are ruining a big scam. Charging people a fee every month for insurance they don't actually have. 
I got the exact same I don't know response from XXXX XXXXXXXX. I chose these cards because I knew I had a high risk job. We are unionized and have superior officers that will sometimes ask their supervisors to break contract for the best interest of the service and though necessary, that can sometimes result in grievances that can lead to supervisor " reduction in force '' then when we have no where within a 50 miles radius to go, we lose our job. I just thought at least responsible financial planning could have kept me afloat but I got scammed. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is showing on my credit report has an opened account with an amount of {$29000.00}. This is a previous land lord at XXXX XXXX XXXX in XXXX FL. They're showing as a mortgage loan with a scheduled payment of {$250.00} which is inaccurate. 

I rented from them during Covid-19. I moved and was not evicted from the unit. 
They're saying I was evicted which is false. During that time nobody was allowed to be evicted. I moved from the unit XX/XX/XXXX. 

The file shows a Last Updated date of XX/XX/XXXX XXXX, XXXX with a XXXX XXXX At least 120 days or more than four payments past due. Which is incorrect since I moved in XX/XX/XXXX. The Rental Assistance Program has reached out multiple times to XXXX XXXX XXXX XXXX to offer a payment and they did not respond timely. 

More over no land lord was suppose to be doing evictions or reporting during that time to begin with. I need XXXX XXXX XXXX XXXX to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
My loan was recently moved from XXXX to Citizens. I am behind on my mortgage. XXXX was trying to help me, offered a payment plan ( doubling my monthly payment ) but at least it was something. Citizens will not help me and is forcing me into foreclosure. I called them and offered to send $ XXXX today, total with fees due is $ XXXX. They will not take less than $ XXXX and as of XX/XX/XXXX they will not take less than $ XXXX. They offered me to apply for a loan modification program, but I was denied by XXXX. I don't need it modified, I just fell behind due to a loss of employment/income/covid and now they will not help me. How is this legal? I am going to reach out to my senator and congressman also. This should be an illegal practice. I am offering to pay 58 % of what is outstanding and they will not take it? Also when I call I am speaking to people in call centers outside of the US. Also I am getting letters from XXXX XXXX XXXX XXXX ( certified and regular mail ) stating my file is with them and I should call them. I called them on XXXX and didn't hear back. I called Citizens and they acknowledge this is a firm they use, but my file is not with them and I should not pay them. Is this a SCAM? XXXX is demanding payment and foreclosure via email, which Citizens says my file is not in foreclosure. I reached out to the XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and this past Thursday and no response. email I am using is XXXX. 

At this time, I would like the bank to accept my payment of $ XXXX and work with me on the balance due. I can afford to stay here, I am not sure why the bank will not help me. They are forcing me to start a modification process which they will not approve in the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Transworld Systems Inc claims that I have XXXX XXXX XXXX XXXX account with an invoice number and I owe them {$290.00}. I have no idea what they are referring to. I never signed up for a corporate account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: NC

Complaint narrative:
I am filing this complaint pursuant to : 12CFR 1006.34 ( d ) ( 2 ), 12 CFR 1006. ( 1 ) ( 8 ) ( e ) and the Fair Debt Collection Practices Act 809 ( a ). 

Prior to receiving the attached collection letter from CENTRAL PORTFLIO CONTROL dated XX/XX/2023... .I had never heard of or from this collection agency before. No initial communication from them whatsoever. 

I have never spoken to anyone from this collection agency, or any other agency affiliated with this collection agency, to include, ( XXXX XXXX XXXX, XXXX, by phone, US mail or email, regarding the alleged debt that they are attempting to collect. However, they sent the attached settlement letter without sending me a MODEL B-1 validation notice or notice to dispute, which are violations of the FDCPA. 

There are several FDCPA violations involved in this matter, which is why I pray that the CFPB will investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I had to move out of my apartment because of military XXXX AND work XXXX ( XXXX  ) during COVID. I used rent relief program to pay for my rent before I left. The rent relief payment went through and was cashed but I was still got charged and the bill was sent to collections without any notification. No mail, no email, no text message, no phone call. I checked my credit report and found bill in collections after I received email from Rent Relief that debt was paid. They promised to delete the collections from my account once I fixed their mess within 30 days and then all they were willing to do was report the debt paid to the collection agency. They refuse to remove the collections from my credit report. The attached documents are all the proof/email messages and receipt of payment made by Rent Relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was in XXXX XXXX XXXX XXXX last year at the XXXX XXXX XXXX and they had some sort of Time share or hotel club expo and pushed me to buy or join. I never gave my consent to get any credit or apply for any credit card. Barclays Bank Delaware sent me a credit card in the mail and then I called them and told them I never applied for a credit card. They told me okay and closed the account around XXXX, 2021. I'm not sure but I believe the amount of credit was around XXXX or so. Thanks.

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 2023-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
XX/XX/2023 I had a unknown debt collection flagged on my credit report from the " CBE Group ''. Upon further investigation onto why this charge was put on my credit. I found the CBE group has multiple reviews showing they have done the same to other people who have taken legal action against the company for falsifying charges onto the credit report. I've contacted them through phone with NO reply and I've dispusted the charges on my account twice and they will not remove the false charges. I will be reporting them to the FTC if nothing on your end is done. This needs to be removed immediately due to I've been looking to buy a house and this unknown false charge is hurting my credit. Please assist me with this removal and flag this company for scamming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine & Weiner, amount {$300.00} This company removed this item off my credit report due to the fact that it didnt have the proper information to verify. Then put it back on my credit report, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: IN

Complaint narrative:
I have submitted a dispute three times that this account was not included in a bankruptcy that was filed XX/XX/XXXX. I opened the loan with XXXX XXXX XXXX the day AFTER and never amended to include that auto loan in with the XXXX XXXX bankruptcy. My bankruptcy was discharged XX/XX/XXXX. I voluntarily surrendered this car XXXXXX/XX/XXXX. In XXXX of XXXX an agreed entry for a repayment plan was entered into with XXXX XXXX XXXX in XXXX XXXX courts. I made monthly payments in the amount of {$150.00}. On XX/XX/XXXX, I paid the remaining balance of {$10000.00}. XXXX is still reporting as I owed a balance of {$20000.00} roughly and it was included in XXXX  XXXX bankruptcy. I have submitted all documentation several times and neither XXXX nor Experian will correct this.

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 2023-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
On XX/XX/2023 I sent them an a conditional acceptance letter requesting them to validate there claim against me for an alleged debt I may owe them. They failed to send me anything I requested. They are legally in dispute and they are still reporting this alleged debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I sent Rocket Mortgage letters on XX/XX/XXXX and XX/XX/XXXX. Rocket has failed to respond to the negotiable instruments. They asked me to give them a copy of POA which I did. I have spoke with XXXX at Rocket Mortgage. She mentioned them having lawyers. I requested them fill out a 1099 OID on behalf of my account as well. They have not responded to any of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Contacted Transunion and LCI in regards to incorrect information on my credit report. I received a letter stating i needed to go to the courts to get this corrected. Under FCRA, they are required to verify the source of the information and ensure accuracy. The courts did not provide them this information so I'm not sure how they are make the statement the courts need it fixed. The information is inaccurate and needs to be removed.

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 2023-02-18 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: Avid Acceptance, LLC
State: IN

Complaint narrative:
I have submitted a dispute three times that this account was not included in a bankruptcy that was filed XX/XX/XXXX. I opened the loan with Avid Acceptance LLC the day AFTER and never amended to include that auto loan in with the XXXX  XXXX bankruptcy. My bankruptcy was discharged XX/XX/XXXX. I voluntarily surrendered this car XXXX XXXXXX/XX/XXXX. In XXXX of XXXX an agreed entry for a repayment plan was entered into with Avid Acceptance LLC in XXXX XXXX courts. I made monthly payments in the amount of {$150.00}. On XX/XX/XXXX, I paid the remaining balance of {$10000.00}. Avid is still reporting as I owed a balance of {$20000.00} roughly and it was included in XXXX XXXX bankruptcy. I have submitted all documentation several times and neither Avid nor XXXX will correct this.

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 2023-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: NC

Complaint narrative:
This personal loan was approved for {$10000.00}, of which was a credit card payoff loan. I did agree to auto payment to upgrade for loan. I was told that it would save me interest and would be a 36 month contract. I have made several attempts to get a statement from them, unable to contact them by phone. I received only a letter with my current balance, but no interest was disclosed and my payment history was not shown. I recently got my credit report that showed me this upgrade account is showing 90 months to payout and by my calculations, the interest they are charging me is over 50 %. This is NOT what I was told to expect. Im asking for help because I have no copy of loan, no account # and havent received any statements. They just keep taking payments from my bank account

Company response to consumer: Closed with explanation