vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Fraud happened to me and I disputed on XX/XX/XXXX. The criminals used my Apple Card Goldman and Sachs bank, which was stolen in the amount of {$310.00} to purchase from XXXX and on XX/XX/XXXX {$110.00} for a restaurant called XXXX XXXX. These were not my two transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.

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 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reviewed a current copy of my credit report and it show inaccurate on in completed information listed on my credit report. I sent a request for investigation to Equifax regarding to an alleged public record listed of bankruptcy. I received in-completed and unverified information back from Equifax states alleged public record verified per data furnisher. I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. I asked Equifax to explain to me in writing how was their investigation conducted but they failed to provide me with their verifying investigation results from the data furnisher in writing. I understand that per the law of FCRA under permissible purpose. That I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information! I request further investigation to the matter and request a lawful reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR

Complaint narrative:
Select portfolios serving telling me there are no more mortgage assistance programs for my loan all their wanting to d look is for me to walk away from my home and let them sell my house I have kids with me and my wife

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
On XXXX my personal phone rang and I did not answer as it was not a number I recognized. Next thing I my work phone was ringing as I work from home I answered expecting it to be a work call and it was Cohen and Slamowitz calling. Under no circumstances did I ever provide or give them permission to be calling me at work. As my work number is strictly for work purposes only. I feel that it was harassing and unprofessional to even attempt to call my place of employment as no message was even left on my personal phone. I have also asked for payments plans and they said my payment amount wouldn't be good enough or if they did accept it I could only pay said dollar amount for a certain before they would force me to pay a higher amount m

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: ID

Complaint narrative:
We received a letter dated XX/XX/2021 advising of a change of loan servicer that would be effective XX/XX/2021 ( see attached LoanTransfer document ). 
The new servicer sent debt collection letters individually to myself and my spouse dated XX/XX/2021 ( see attached CollectionNotices document ). 
We sent a qualified written request in reply asking for specific contact information from the new servicer as required by law and an investigation into whether the new servicer inappropriately reported incorrect information to any credit reporting agency ( see attached DisputeLetter document ).

New servicer acknowledged receipt of the letter and then failed to respond to the specifics of the letter but addressed the payments provided to the first provider and treated it as a late fee complaint ( see attached BankReply document ). 
This complaint is also being provided to the VA OIG.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/2020, I purchased a XXXX XXXX ticket in the amount of {$530.00} from XXXX using my XXXX Visa credit card serviced by Comenity. I also purchased traveler 's insurance from XXXX in the amount of {$30.00}. Upon reviewing my credit card statement, I discovered that XXXX had charged my card an additional {$86.00} on XX/XX/2020. 

While I have receipts for both the ticket and insurance, I have no record of why XXXX would charge my card this additional sum. I contacted Comenity to explain the situation and that the {$86.00} charge was not legitimate. Comenity indicated that they would note this in their system and their fraud team would be in touch. Afterward, I received two follow-up letters from Comenity - one indicating only that I had contacted them and the second indicating that it appeared the charge was fraudulent and they were investigating. A few weeks later, my card began to be declined. 

I reached back out to Comenity and was told that the account had been closed and a new card was being sent to me. I was not given prior notice of this action. Comenity further indicated that nothing was being done about the disputed charge as it was reported as fraud and should have been reported as disputed. I spoke to a supervisor as well and basically was told I had used the wrong terminology to report the issue, but that " this was a good learning experience ''. 

They said that they had contacted XXXX and were told the charge was legitimate. Additionally, they told me that since I " had clearly given my card number to XXXX, all charges are therefore legitimate ''. I asked if XXXX had provided a receipt of why the amount was charged. Comenity said they had not, and told me I needed to contact XXXX myself. I repeated what I had originally told them - that I was unable to reach XXXX and that all numbers/emails I tried ( over the course of a week ) just routed me back to an automated message saying that XXXX was only speaking to customers who were traveling within the next three days. I requested that the dispute be filed again. 

Hearing nothing from Comenity over 30 days later, I filed a complaint with the Better Business Bureau. Comenity 's only response to the XXXX complaint was further unsatisfactory delay tactics. Despite my providing additional documentation and information to Comenity, the company has yet to respond to my latest inquiry. This matter remains unresolved and the charge remains on my account. 

This issue has been ongoing now for nearly seven months. 

Copies of documentation and correspondence is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BBVA FINANCIAL CORPORATION
State: MO

Complaint narrative:
We purchased a new vehicle in XXXX of XXXX from XXXX XXXX XXXX. We financed it through Compass Bank. We paid it off in XXXX but never received a lien release. The bank never sent the documentation to the state of Missouri 's XXXX either. We have sold the vehicle and the new owner can not title it without the lien release. We contacted the new bank that took over Compass Bank XXXX weeks ago. BBVA-USA could not find any information about our loan or account. We had to send them our contract and title information showing them as the lien holder. They told us they would send the lien release. Jump ahead XXXX weeks and many phone calls later, they tell us the case has been closed and the document was sent through XXXX mail and a copy was emailed. Neither of these things happened. More calls were made, they said it was escalated to the " back office ''. We were told it would be taken care of over and over. Now, XXXX weeks later, we still do not have anything. Friday, XX/XX/XXXX, I spent XXXX hours on the phone with their customer service department in XXXX XXXX. I was hung up on XXXX times. I spoke to at least XXXX people. Every person read from a script. None of them could provide me with a copy of the lien release or the tracking for XXXX. Now, XXXX days later, we have not received any correspondence or returned calls from XXXX different " customer service '' agents. The XXXX will not accept anything we have provided, so we can not help the buyer title the vehicle. I can not get any help. I have asked to speak to an XXXX customer service center, and it does not exist. I tried calling the branch in XXXX, Alabama, and I was hung up on XXXX times. I spoke to XXXX person in sales that transferred me back to XXXX XXXX. I am going to have to return the money for the vehicle I sold, because XXXX will not do their job. Additionally, we will have to file a case against them in court to obtain a notarized lien release that is required by law in the first place! This bank should be investigated by a government agency due to the number of complaints with the BBB involving lien releases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
While looking to book a hotel an advertisement with HUGE bold letter from XXXX XXXXXXXX XXXX credit card offering XXXX point if {$3000.00} are spent on the card within XXXX months. I followed the link and applied accordingly. Because I've had trouble with Chase in the past I read all the disclosures, terms and fine print. After completing the application and receiving the card and registering it online I noticed the offer was only for XXXX. I called Chase 's customer service department and they verified that it is only for XXXX and that they could not provide me with any additional answers or resolution other than that they can escalate it. 

I've attached a screen shot of Chase 's advertisement of XXXX points. When speaking with Chase 's customer service they also confirmed that XXXX is the correct offering for the exact card I signed up for and received. " XXXX XXXX XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit reports and noticed that XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are fraudulent inquiries, I never authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
This is a formal complaint against Account Resolution Services located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Account Resolution Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit reports and noticed that XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraudulent inquiries, I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
Simple Bank transitioned to BBVA Bank, which I was told would be " seamless. '' Over a week has gone by since the " transition '' and I still can not access my account. BBVA does not answer the phone and does not have any other way to contact them. When I try to log into my account, I'm told my account is locked. When I reset my password, I'm told to call customer service. When I call customer service, I get a recording saying Simple customers will be helped soon. This is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CT

Complaint narrative:
My wife and I recently refinanced her student loans with XXXX, who immediately sold them to this horrible company Firstmark. 

Our first payment of {$370.00} was due on XX/XX/2021. Our bank paid them electronically on XX/XX/2021 in the amount of {$600.00}. First mark is claiming that didnt happen and if it did I have to prove it by sending them an email with pictures of the check front and back. 

There is no check ... it was an electronic funds transfer. My bank helped us get copies of my bank statement, payment history and electronic confirmation number. I emailed it all to them and in response they emailed us back saying they could verify our identities. 

Everytime I call they tell me no payments have been made, tell me to email, put me on hold, and then hang up. I've tried to start an online account but when I do they tell me I already have one ( I don't, I've never done business with them before ) when I request a user name or password reset they tell me I dont have an account set up. 

They're taking our money, claiming they arent and demanding more. Not sure what to do. Why would our government give people like this a license to operate?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: CORELOGIC INC
State: MO

Complaint narrative:
I asked CoreLogic/Credco. To know which methods they used to verify such information on my credit file. And what where they reporting to the credit companies and there responses was they cant give me the information that I requested

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 2021-05-18 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: DISCOVER BANK
State: PA

Complaint narrative:
Company : Discover The company convinced me to " go paperless '' and receive all statements electronically, but they do not keep statements or any account activity beyond 7 years. I am in a legal situation where I require a statement from XXXX 2013, and Discover has refused to comply and insist that they have no means of providing this historical statement or proof of account activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have had a Bank of America XXXX BOA ) Cash Rewards World Mastercard since XXXX. I have paid off the balance every month this year to avoid being charged interest using the standard grace period per the consumer agreement which states " We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date ''. On XX/XX/XXXX of XXXX, I transferred another credit card balance of {$26000.00} to the BOA card using a " no-interest '' promotion if that balance was paid off by XXXX of XXXX. I was very careful in XXXX and XXXX ensuring that I paid off my ongoing daily purchases as well as the minimum amount required for the " no interest '' promotion. No interest was charged on those two statements. My total statement balance in XXXX was {$26000.00}. My statement balance in XXXX was {$22000.00}. My statement balance in XXXX was {$19000.00}. Clearly this shows that I not only paid off the daily ongoing retail charges before each monthly cycle but I also substantially paid off the promotional balance. On the XXXX statement BOA charged me interest on the daily charges saying I was no longer eligible for the grace period allowance because I had not paid of the daily ongoing retail charges. Despite the statement proving that my payments exceeded my purchases by {$2600.00} BOA insists on charging me interest. Their statement to me was " if you don't want to be charged daily interest then stop using the card for daily purchases ''. This to me is clear evidence that they no longer wanted to honor their cash back rewards portion of the agreement.

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 2021-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
had an account through Chime Bank and my card was stolen. I lost over XXXX of my stimulus check, I filled a dispute and was not given anytime to send in my claim form. They never sent it to me until I had to call them and remind them. 

I was told I had time to get it in and the next day they denied me. They never received any of my responses or evidence and would not send me any Information the investigation and closed my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Model Finance Company
State: TX

Complaint narrative:
XXXX XXXX with Model Finance in XXXX XXXX CA has contacted me multiple times by phone and text ( also attached photos of another family member 's home ) on the pretext of trying to collect a debt from my XXXX yr old son who does not live at my home. He also had a representative deliver a letter to my home and a letter to another family member 's home addressed to my son - who does not live with either one of us. I had no part in the financing or application for financing for the recreational vehicle for which he says a debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation