vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Windham Professionals, Inc.
State: NJ

Complaint narrative:
See picture of letter I received. I told this company repeatedly I shouldnt have been notified as Im on arrangements with XXXX  Anoint wrong etc. They didnt care as they kept proceeding thus now I get 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 non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX XXXX  and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had several charges from the east coast and submitted a dispute with the credit card company. These charges were definitely not consistent with previous charges on my account ( This is the reason the credit card company rejected my dispute ) as I have not been to the east coast in a long time. Some of these charges included XXXX NY LOCAL as well as XXXX XXXX  orders in NY for which it would make no sense for me to order from California. I also do not know anyone in NY. 

I called and was told nothing could be done and proceeded to cancel the card. Although the person I talked to was surprised that my claims were denied, he reiterated that he could do nothing.

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 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Under Florida law a loan modification agreement constitutes a novation of the original loan documents. See Florida caselaw XXXX v XXXX  XXXX XXXX, attached herein. It is therefore that a lender would attach a copy of the loan modification agreement XXXX  the foreclosure complaint so they can established that a default occur on the terms of the new contract. Select portfolio attached a copy of an unrecorded loan modification to the complaint. Under Florida Statute 201.08 ( 1 ) ( b ), & 199.282 ( 4 ) - " No Mortgage, deed, of trust, or other lien upon real property situated in this state shall be enforceable in any Florida Court room. '' Because the loan modification did not have any enforceability we filed motion for summary judgment. What happened next will shock you. The bank 's lawyers immediately recorded the loan modification. See loan modification recorded date XX/XX/2021. Upon closer examination of the loan modification we realized that the bank 's representative have engaged in fraud with the XXXX Clerk , therefore we ask that you provide a copy of the complaint to law enforcement, you have our consent. XXXX XXXX requires that a mortgage be notarized but also to reflect the legal description of the property on the document. XXXX XXXX will rejected and  not record a mortgage not notarized. If you carefully review the loan modification you'll find that just above the borrower signature it states " In witness thereof ". The borrower 's signature nor the bank 's were witness as the allege agreement was not notarized by either party. The XXXX clerk are not permitted XXXX  accept a loan modification not notarized because the loan mod is the new mortgage contract. The matter will be brought to the judge attention as we are requesting the Honorable Judge take judicial notice that the bank 's legal representative have engaged in fraud in connection with the unlawful recording of documents. The loan modification does not have the property legal description. For educational purposes, can a court dismiss a foreclosure action based on a mortgage not having a legal description? The answer is no, the court may give the lender the opportunity to amend the document before the judgment is entered .However, pursuant to Florida Case law Fed XXXX XXXX XXXX v XXXX XXXX XXXX, no judgment ever be entered until such correction has been made. What the caselaw does not say is that in order for a lender to correct this issue it requires for the debtor to sign the amended documents and we are not signing anything. SPS, you should know better than that, sps or their legal counsel engaged in a fraudulent act along with the XXXX clerk to record a document that can not be recorded and you been caught in the act, the question here is who among you in going to jail?.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Below is my chat log with TransUnion. This should not take XXXX business days to unfreeze my credit report. Also, their list phone number does not work. 

Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX, open Monday through Friday, XXXX a.m. to XXXX p.m. Eastern Standard Time. 

We care about your privacy. Please do not include SSN, account numbers or any other personal information, or submit disputes or complaints about your credit report. 
Thank you for contact TransUnion, my name is XXXX, How I can help you? 
Transunion Support XXXX PM I would like to unfreeze my credit report so a credit report can be pulled. I am receiving this online message : Your TransUnion Credit Report Freeze status is currently : Unknown UNKNOWN The TransUnion Credit Freeze Service is temporarily unavailable. 
XXXX PM Hello XXXX, I do apologize about the issue with the system to unfreeze your credit report, Let me access on your file to check if will be necessary to process a maintenance to complete your request online Transunion Support XXXX PM I asked a couple of times why my status is " unknown '' XXXX PM In order for me to be able to open your file, I'm going to send you a web form link so that you can fill it out with your personal information. Please right click on the web form link and choose Open link in new tab in order to avoid closing out our chat session. Heres the link : https : //www.transunion.com/customer-support/agent-support. Let me know when youve completed filling it out so that I can access your file. 
Transunion Support XXXX PM Completed XXXX PM Thank you, give me a moment please Transunion Support XXXX PM Sure XXXX PM Thank you for your time, let me tell you I was checking your file and it's necessary a maintenance to unfreeze your credit report, for that reason shows the status as unknow, I will need to work with another team to have this resolved. I will schedule a call back once It has been reviewed. This call may take up to XXXX business days. Thanks for your patience while we work to resolve your issue.

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 2021-12-07 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: IL

Complaint narrative:
I reviewed my credit report about XX/XX/2021 and found a collection account from XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX I did not recognize. I sent Experian a letter on or about XX/XX/2021 to dispute the information asking for them to provide me physical verification including any signed contracts that these debt belongs to me and that all information was correct, to date they have only sent me a generic letter stating it was verified and updated with a different dollar amount. On or about XXXX I sent another letter demanding verification and received the same response about XX/XX/2021. On XX/XX/2021 I noticed the account number changed after all the the previous letters of verifications and updates I again sent another letter asking for an explination and documentation for the accounts in question on XX/XX/2021 and XXXX account was updated and XXXX XXXX ( XXXX XXXX XXXX ) was deleted on or about XX/XX/2021. I reviewd my credit report again on XX/XX/2021 an noticed the XXXX collection ( XXXX XXXX XXXX ) account had been added back to my credit report without any acknowlegement from Experian.

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 2021-12-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I deposited sums with the Citibank as deposits, and when the bank requested them, it informed me that there are no data with the bank, and I provided them with all the papers that indicate these amounts

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 2021-12-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/21 I was charged for {$63.00} that I did not recognize. The transaction date of the charge was XX/XX/21. I called Bank of America for information. They said they would credit my account. Credit for {$63.00} was received on XX/XX/21. I later recognized the charge and called Bank of America to advise it was valid and they should reverse the credit. They debited my account for {$63.00} on XX/XX/21. At this point everything was resolved. 
Bank of America debited my account for {$63.00} a second time on XX/XX/21. I noticed the charge and called on XX/XX/21 to request credit for the duplicate debit but was advised there was no one there to help me and I would need to call back the next day. I called again on XXXX. The representative who answered transferred me to another department as she could not help me. The second representative said I was transferred to the wrong department. I had already been on hold for over an hour and requested a manager. She advised that no mangers were available and I would receive a manager callback within XXXX hours. 
XXXX hours later I called Bank of America again, this was on XX/XX/21. I spoke to XXXX. She requested home & cell phones numbers, I gave her both. She requested them again. I repeated. She said I will send you a text, I asked her to wait on moment while I turned the cell phone on. I told her it was powered on and she said never mind, she would call my home number. I said when? She said immediately. I told her if she did not call I would file a complaint as I have already spent over XXXX hours on hold. She never called but I did receive a text from Bank of America. But since she never bothered to call me the text code was useless. I want credit for {$63.00}.

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 2021-12-07 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 2021-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: NC

Complaint narrative:
I sent a payment of {$16000.00} to the lender to be applied to my account through my online bill pay at XXXX XXXX XXXX Bank. The payment was scheduled to arrive on XX/XX/2021. 

The check was finally deposited and cleared my bank on XX/XX/2021. 

As of today, XX/XX/2021, Payoff still has not posted the payment to my account despite receiving a posting a later payment of {$1000.00}. 

Both checks came from the same bank, were sent to the exact same address, and had my name and account number on them. 

I find no reason for this other than they earn more interest the larger my balance is and the longer my account has a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. It's been 90 days today I feel like I'm being taken advantage of. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. My consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX  ) XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Since XX/XX/XXXX I have been disputing a XXXX account that has been appearing on my TransUnion credit report but received a response that it was verified by XXXX. I again disputed the XXXX entry on XX/XX/XXXX and  XX/XX/XXXX to  receive the same response verified, On XX/XX/XXXX I disputed the information with XXXX receiving response that they could not verify the account I have provided that letter in my complaint. Even though I have pointed out to TransUnion all the inaccuracies on my credit report 1. Account status DEROGATORY is inaccurate 2. Date opened is INACCURATE. 3. Payment status UNKNOWN is inaccurate 4. Last reported XX/XX/XXXX this is INACCURATE if they investigated this 3 times the date should show a date in XXXX not in XXXX, 5. Date of last activity is inaccurate, 6. Date of last payment is BLANK this is inaccurate. TransUnion continues to violate federal laws and in turn are causing me financial hardship costing me thousands of dollars in high interest rates, denied credit, high insurance premiums, defamation, negligent enablement of density fraud. They are also in violation of the FCRA. I am providing the certified letters sent to TransUnion and I will also provide my most recent credit report High lighting the inaccuracies side by side with the other credit reporting agencies.

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 2021-12-07 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: A+ Loans, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I had filed a dispute on XXXX for a debt that has been improperly reporting on my credit report. The account with A + Loans was opened in XX/XX/XXXX. Due to incontrollable circumstances in which I had no other options than to file a chapter XXXX bankruptcy. On XX/XX/XXXX I had filed for protection under Chapter XXXX. On XX/XX/XXXX the initial notice was sent to the creditors and on XX/XX/XXXX the notice for the meeting of creditors ( date/time/place ) was sent. All three notices included A+Loans. My bankruptcy was discharged on XX/XX/XXXX and A+Loans was sent a discharge of debt. I've attached a copy of the petition, meeting of creditors and discharge paperwork. Unbeknownst to me, A+ Loans started reporting this account with a XX/XX/XXXX open date and a XX/XX/XXXX charge off account. This was after the debt was forgiven and prior to them ever reporting on my credit. The results of the dispute didn't rectify the issue. They zeroed out the account and listed a bankruptcy date of XX/XX/XXXX and a closed date of XX/XX/XXXX. From my understanding, this is a violation of my rights under the FCRA. The update has now caused me to lose my pre-approved status on trying to purchase a new home. I've worked hard to start rebuilding myself after my bankruptcy and I was told that the way it's now reporting is valid. This debt should've never started reporting XXXX years after my discharge nor should it be dated as closed/included in bankruptcy as of this year. This account was never reporting prior to XX/XX/XXXX, so how is it legal that they can erroneously start reporting a discharged debt in which they were informed through my petition, meeting of creditors notice, and discharge notice?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: NJ

Complaint narrative:
I have two credit cards serviced by Chase. One of them is an XXXX XXXX. When my XXXX XXXX membership was up for renewal the XXXX XXXX ( serviced/owned/financed by Chase ) was charged for that renewal but that membership was not renewed by them. When I complained XXXX  the XXXX  that they did not renew my membership but instead kept my {$110.00} anyway they ( Chase ) just strung me along for about three weeks but did not remove the phony charge from my bill. I want my {$110.00} refunded and this bank investigated for fraudulent billing someone and even after it is brought to Chase 's attention they did nothing to resolve it and just kept the fictitious charge on my credit card bill. The transaction at issue was on XX/XX/21 for {$120.00}. They refunded the {$7.00} ( which I later learned was for sales tax ) but kept the {$110.00} on the credit card bill. The only logical explanation was that this was done based of greed and vindictiveness because I had asked them why an extra {$7.00} was added to my {$110.00} renewal fee. If they did this to me you can bet they did it to others also. I want the {$110.00} refunded since they canceled my membership instead of renewing it. When I complained directly to XXXX  they told me to " take it up with your bank ''. Even though Chase services the XXXX XXXX they ( XXXX and Chase ) just passed me back and forth with a monkey in the middle run around but no resolution after stealing my {$110.00}.

Company response to consumer: Closed with explanation