vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
my mortgage was sold about 4 years ago lost count of how many times my mortgage was transferred the last one. we had a problem when sandy hurricane got to new york. we had no electricity or place to stay or work for 4 months at that time. the mortgage was not paid the company sens us payment schedule .start from the XXXX of that month. 
we paid the behind sum in 4 months. 
the problem was that they insist on paying the mortgage on the XXXX XXXX and it was impossible the mortgage was sold to shell point, we explained the situation .they had non of it during the last 2 years we accumulate penalty on the payment again we paid the mortgage on time never late just at the end that month after the corona time we had to pay 10 payment in 1 shot or sell the house .they did not want to help, so we did we paid it XXXX $ they want our flash with the penalty that we have no intention to pay please help us. we leave here 35 years we over XXXX years old thanks XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
On Sunday night, XX/XX/XXXX, I tried to put a stop payment on my check, for {$500.00}, on the TCF App. It did not work. I got a system error message. 

On XX/XX/XXXX, at XXXX XXXX, I talked to an agent, XXXX, and we discussed putting a stop payment on my {$500.00} check. She told me that the stop payment was complete, while I was on the phone. That was the end of our conversation. I believed and trusted her. 

That day, my check for {$500.00} was cashed. After speaking with many agents, each agent told me something different. 

One agent told me that it takes 24 hours for the stop payment to be completed. One agent told me that they could not refund my {$500.00}, because they didnt have it. Another agent told me it was because the stop payment was not stopped in a timely manner. Another agent told me that it has to be initiated three days prior. A manager, then, told me that they do not put stop payments on checks. Therefore, my {$500.00} wouldnt be refunded. 

I found a copy of the TCF corporate rules and read them, then found that they were old rules and not the current rules for the merger. 

I did not know how to find the stop payment process in the Terms and Conditions online or anywhere else, as XXXX never told me. That information was sent to me, three weeks and two days, after my phone call with XXXX, from the corporate office, in a letter dated, XX/XX/XXXX, explaining the Terms and Conditions for the stop payment process that I could only read at that time. 

Huntington Bank stated, in an email, dated XX/XX/XXXX, that the Welcome Package would arrive in the mail, introducing me to Huntington accounts and services, important transaction details and steps I need to take. I received the Welcome Package in the mail, XX/XX/XXXX, one month and twelve days after my phone conversation with XXXX. Therefore, I had no way of knowing about any stop payment process before the check was cashed. 

Not only did XXXX make a mistake by telling me my stop payment was completed when it was not, she also failed to tell me anything about a stop payment process. Had XXXX explained any of this to me, I would not have attempted to put a stop payment on my check, as I would have realized I would lose my money. Instead, I would have immediately closed my account to keep my {$500.00}. 

I received inaccurate and inconsistent information from all of the agents that I talked to, including Corporate. They are backing up their negligent agent and took my {$500.00}. I have no recourse. I can not trust Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I requested my Annual Credit Report from the the 3 Credit Bureaus. 
XXXX and XXXX, properly complied with my request in accordance with the Law. 
However Equifax FAILED to do so... 
After several calls and requests to Equifax They still refused to comply with the current Law Stating on a written letter. 

" WE WERE UNABLE TO LOCATE A CREDIT FILE IN OUR DATABASE WITH THE IDENTIFICATION INFORMATION YOU PROVIDED '' This statement from Equifax is 100 % False, Deceitful, and intentionally done to Harass, Intimidate, and extort XXXX XXXX. ( since they have my information for more than 50 years ) Specially after we had exchanged correspondence, phone calls, and Equifax provided with my credit report as recently as of XX/XX/2021. # XXXX The reason I requested a second credit report on XX/XX/2021 is to verify that some of the errors on Equifax report that was misreported has been correct!!! 

Now the answer is : " WE ARE UNABLE TO LOCATE YOUR CREDIT FILE ''???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
XX/XX/14 I called and spoke to XXXX regarding a letter I received in the mail for an application that needed more information for a Victoria Secret credit line through Comenity Bank. She informed me that my last 4 did not match what she had on file and would not help me any further. I did notify her about the letter and she did not provide a response to why I would have received the letter. She said she needed to speak the person who was on the application form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
This about Discover Card. 
After many months, I finally received the statements and now I see what happened on my transactions. 
I called them to make sure whether I understood correctly and how to pay. but they never call me back and just hang up the phone. 

**1. Discover wanted me to pay {$220.00} to settle and I think it is because it was XXXX and XXXX transactions. Is it correct? Then could you explain what was {$30.00} I paid for? because I am trying to calculate but did not work. 

**2. To settle the payment, where do I need to pay and how? I want the proof that I paid the amount also.

**3. Once I paid the debt, how long would it take to update my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown 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 taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC
State: AL

Complaint narrative:
In XX/XX/XXXX, I received a Collection 's Notice from ERC. I have made one complaint against this company and now I am making my second complaint! I have told ERC repeatedly that I paid the amount that XXXX XXXX claims I owe two years ago! ERC informed me they were going to do an investigation regarding this matter! However, all their investigation concluded was the same amount from their Collection Bill! 
I have been told repeatedly that I would be transferred to a supervisor, but everytime I just get hung up on! I was even told by one representative that he would pay a bill even if he did not owe it! This was only an attempt to get money out of me! 
I have repeatedly disputed this charge and ERC has now informed me that they would just send this collections back to XXXX XXXX! They have not sent me any notice telling me that this has been done and according to XXXX XXXX, they are claiming that ERC has not sent this debt back to them! 
ERC has not used any cursing or abusive language, but has used manipulative tactics in order to get money from me and has repeatedly lied about this debt! I did not even have to reach out to them, but I did in order to clear this matter up! ERC is deceptive! 
XXXX XXXX is a fraud and should not be allowed to make money by selling this so called debt to Collection Agencies and ERC should not use deceptive practices in order to force people to pay for this bill! 
I paid exactly what XXXX XXXX told me I owed two years ago! Now, out of nowhere, two years later, I receive a Collection notice from ERC! They need to believe me when I tell them I paid this entire balance two years ago and not use manipulation or lies in order to make money! I am tired of this! I want this charge dropped and for these Collection Agencies to leave me alone! If not, they will all be sued in Court, including XXXX XXXX! 
The amount they are saying that I owe is : {$160.00}. The date I received the collection notice from ERC is : XX/XX/XXXX. This is from a debt from XXXX, which I paid! I showed them my bank statement, but now XXXX XXXX claims I owe more, when I have not heard from them in two years! I have tried to settle this matter with ERC from : XX/XX/XXXX-XX/XX/XXXX. I stopped then because no one will listen to me and all I continue to hear are lies and manipulating me into paying something I already paid two years ago! XXXX XXXX and ERC and any other collection agency that does these practices should be held accountable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I received a letter in the mail from Credence Resource Management who is allegedly representing XXXX XXXX XXXX XXXX the letter stated this was a attempt to collect a debt. According to federal law I'm not obligated to any debt in which, I responded to them in a affidavit of truth. The balance was shown in the positive for XXXX. I assumed this was a check or money that was owed to me for by law I can not pay on a positive balance. They also were in violation of several federal laws that I placed in the attachment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 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: Block, Inc.
State: TX

Complaint narrative:
my cash app credit card didnt apply the discount it offers. 
i made a couple purchases with my cash app credit card and applied a discount it offers when purchasing from different businesses. on both occassions the boost, or discount, was not applied. i tried to get my refund or boost from cash app but all they they did was send me an email with directions on how to use XXXX  and that they could not longer help me and were closing the case. I have used the XXXX  many times successfully and am aware of how it works. for some reason it didnt this time and i would like to refunded the discount it promoted. 
the complaint made to cash app is referrenced ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : XXXX  XXXX XXXX, BRSCLYSBANKDE, and XXXX 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 explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A fraudulent account was opened under my name and charges were made. As a result, my credit score has decreased substantially and my credit report has negative items.

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 2021-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
The company suddenly started charging XXXX $ late fees even though I had been making payments ahead of time, every month for the past 18 months. My payments have always been made on roughly the same date through autopay. It was a promotional interest purchase, so I had set up an autopay through my bank every month. Prior to the promotional payment purchase for the issue in question, my payments never incurred late fees. I tried explaining this, but they stated they could not waive the full 18 mo of late fees. They ended up reversing 3 mo of them. I have excellent credit, make a great wage, may all my bills on time, and usually early. Any reasonable person could conclude this was an error on the billing side.

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 2021-09-16 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : Southwest credit sys and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I received a notification that I could use my Best Buy/Citicard for 6 months no interest. The email did not indicate it was only at bestbuy. They also email people and indicate higher rewards for a specific time frame which they do not honor. I spoke to an individual today whose name was XXXX ( or so she said ) and apologized for the misunderstanding. There is no misunderstanding. It's intentional fraud. I can not talk to the issuer Citibank as they have relinquished all servicing to BestBuy.

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