vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX of XXXX, I had to get a root canal. At my dentist 's office, I was told about Synchrony Bank and something called CareCredit where I could get a loan to pay for this medical cost. At the time, I thought it a good idea because I was told by a representative of Synchrony Bank that it was a promotional finance loan where the first year of payments would be interest-free and any remaining balance after the initial twelve months, I would then be charged interest on that balance. I signed up for the service and the secretary at the dentist 's office printed the paperwork out for me. I took the paperwork home and looked it over. I then called Synchrony again to ask more about the loan. I was told a second time that the first year would be interest-free on any payments I made. 

This turned out to be partially true. While I did not pay any interest in the first year, because I carried a balance in XXXX of XXXX, the company than turned around and tacked on all the interest I did not pay over the year to my remaining balance. When I questioned them about this, they told me that it was clearly printed in the paperwork on each statement that deferred interest would come due if I did not pay the whole loan by the end of the year. 

I found their promotional deal deceptive for this reason, two different reps when explaining the details of the loan did not mention having to pay deferred interest, instead, they highlighted no interest for the first year and paying interest on what was left in the second year. 

I have looked over the paperwork, which I held onto. And while I can see now that it does indeed state that to avoid paying deferred interest payments, I must pay all of their promotional loan in full at the end of the 12 month period, no one took the time to make sure that I fully understood this. 

I do take responsibility for not looking over everything more carefully. My issue is with the way that this loan was advertised to me with important details verbally left out and giving me the impression that the product was one thing when in reality it was something else. 

At XXXX XXXX, for instance, when I took out a loan there, the banker took the time to explain all of the details and what they meant. If I had known, and I do take partial fault for this, but if I had realized the exact terms, I would have gone to XXXX XXXX where I could have gotten a much better interest rate. 

When I spoke to one of the managers at Synchrony Bank about this, I found her arrogant and patronizing. She also told me that how the employees at the bank explained the terms of the loan were not relevant to my situation and then she hung up on me.

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 2020-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management sent me letters claiming I owed money. I am a victim of identity theft and so I have no idea what this debt is about. To make matters worse, they recently sent me a letter claiming they are going to sue me which makes no sense since I never injured them, and I never did business with them. I never signed any agreement to do business with them. This debt is completely fraudulent and I am a victim of such fraud. I went to my local police station to file an identity theft report, but they refused to let me file one. They directed me to the ID theft website, and now I am submitting this to rectify this fraud situation. In the event Midland Credit Management chooses to follow through with a lawsuit, this complaint is my formal notice to Midland Credit Management that the CFPB is aware of my situation and that Midland will be liable for suing a victim of identity theft. I am also prepared to file my CFPB complaint into the record if it comes to that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IA

Complaint narrative:
This account was a result of identity theft however it has Been sold to several different companies which then report on my credit. I have a police report on file confirming this specific account is a result of fraud and identity theft.

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 2020-03-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: CO

Complaint narrative:
William and Fudge incorporated has been calling me relentlessly ( every day ) for over 4 months and is now trying to contact my family. They have called my mom, who was on the loan with me and has spoken with them ( they began calling her before I permitted collectors to talk with her about my debt owed ) and have now contacted my uncle. My uncle lives in another state and is not tied to me financially or by name. My family and I feel unjustly harassed while we are already dealing with the stress of managing this debt. I am an XXXX member with student loan differment and have very few options for financial repayment, and my family members who are in no way tied to me, my loans, or my debt are being accosted by a hostile collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I have had multiple problems with XXXX XXXX and Rash Curtis and Associates reporting collection accounts to my credit report for unpaid doctor bills. These bills have been paid per union contract and my HRA account in full. I have had a credit lawyer help me in the past to dispute such items. This has affected my credit score to be " fair '' instead of " good '' credit. I have excellent insurance coverage from my job and have had such for 30 years. The past 8 years I have had these issues with these bills I no longer owe, and have been paid in full. The most recent false report from Rash Curtis and Associates was opened on XX/XX/2016. When I call my benefits about these bills, their copies of these statements claim they are paid in full. This is a nightmare and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020 I traded my vehicle and the dealership over paid credit acceptance by {$630.00} and they also owe me for {$1500.00} for gap insurance and {$1400.00} for my warranty. We have contacted them several times and they refuse to give us back our money. Straight out said they were keeping it and will not explain why. They said they would give us {$7.00}. This is fraudulent and I want my money back. 

They lied about the amount on the check they received from XXXX XXXX XXXX sales for the pay off. XXXX XXXX sent a check for {$15000.00} and Credit Acceptance admitted the pay off was {$14000.00}. They put it on the account like they didnt get the overpayment of {$630.00} put there is a paper trail at the dealership that says different. Also they admit they owe for gap insurance refund and refuse to give it back.

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 2020-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Improper use of your report ( shared without consent, credit inquiries from unknown sources ) TransUnion XXXX  XXXX XXXX ( Original Creditor : CITY OF XXXX FL ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXX XXXX ) BALANCE : {$150.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX  XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BALANCE : {$1600.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) BALANCE : {$1000.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX  XXXX XXXX BALANCE : {$130.00} STATUS : DEROGATORY ACCOUNT # XXXX**** TransUnion XXXX XXXX XXXX BALANCE : {$920.00} STATUS : DEROGATORY ACCOUNT # XXXX**** XXXX XXXX XXXX BALANCE : {$0.00} STATUS : PAID ACCOUNT # XXXX** TransUnion XXXX  XXXX XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT XXXX XXXX** TransUnion XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX**** XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX**** TransUnion XXXX  XXXX  XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX**** Improper use of your report ( shared without consent, credit inquiries from unknown sources ) XXXX XXXX XXXX XXXX Finance Reseller XX/XX/2018 TransUnion XXXX XXXX Finance/Personal XX/XX/2018 XXXX XXXX XXXX - XX/XX/2018 XXXX XXXX XXXX XXXX  Bank Credit Cards XX/XX/2018 TransUnion XXXX XXXX Bank  XX/XX/2018

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 2020-03-18 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: GA

Complaint narrative:
I have been trying to remove my fraud alert with the three credit credit agencies but it is so difficult to get to talk to a live person and them they ask a lot of questions that I don't remember that I had to ask for your help with this, Please remove my extended fraud alert and consumer statement.

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 2020-03-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to remove my fraud alert with the three credit credit agencies but it is so difficult to get to talk to a live person and them they ask a lot of questions that I don't remember that I had to ask for your help with this, Please remove my extended fraud alert and consumer statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I am receiving derogatory remarks on my credit score from an account in collections from a company I do not owe for {$1100.00}. I have not got any calls about the amount due or was served any paperwork from this company. It's weighing down my credit score and I would like to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Account Systems of Omaha, LLC
State: IA

Complaint narrative:
National Account Systems has been notified that this debt they are trying to collect on is a result of ID theft. They have however, even after receiving a copy of the police report and a dispute from the Credit Report Agencies, refused to remove the account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
My identity was stolen I check my credit report and seen were someone open credit cards and and line of credits in using my name the year XXXX my wallet was stolen out of car I'm a victim of identity theft it show the following were open using my identity ) XXXX XX/XX/XXXX. XXXX XXXX XXXX ) XXXX XX/XX/XXXX. XXXX XXXX XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX, XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XXXX XXXX ) XXXX XX/XX/XXXX all accounts were open in my name by fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/2020 I attempted to open a checking account with Citibank, i was told i would hear something in a few days, as it was an online account opening. I never heard anything. Several days later, checks for a checking account arrived at my home, followed by a Debit card and PIN number. I activated the card and deposited money, by transferring money from my savings account at Citibank. I then began using the card and the account for ACH bill pay services. on or about XXXX toth i went to login to online banking, and was unable to do so. thinking it was just a temporary glitch i tried later in the day, it still didnt work, and was advised to register my card and my PIN again, i tried unsuccessfully. I tried calling the bank. they procedded to tell my i did not have a card linked to my checking account, however they wwere able to see transactions i had made that day on my debit card. they issued a new debit card. the previous evening I had written check XXXX and XXXX, both in the amount of {$370.00} when my balance was, and continues to be {$1300.00}, at the time of this complaint. 
on XX/XX/XXXX, i received an email saying that there were returned checks on my account, i accessed online banking, and saw that my account balance had not changed, and there was no notice or record of either check being presented or returned. I initiated an online chat session, while simultaneously trying to call the bank. I spoke to a representative named XXXX, who assured me nothing had been returned, and all the checks would post to my account on XXXX stated nothing to worry about. i was on hold for over an hour, and nobody picked up the phone Later in the day i received notice from one of the parties I wrote a check to, that the check was not honored. 
I called back to Citibank, again was on hold for 48 minutes, and finally ended the call. 
Every time i call the bank or chat with a representative, i get a different story, and am forced to jump through hoops, all the while they have my funds, are not honoring checks, costing me returned check fees, embarrassment, and frustration not to mention hours trying to access my funds, or get answers. 
i have spoke to numerous people, all give different answers and explanations, yet i am stuck with fees, lost opportunity, lost time and aggravation. this is the worst experience i have ever had with a financial institution..

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 2020-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I deposited my paycheck XX/XX/20 for {$4400.00} like I usually do on my app. I have never had a problem with check being held. The deposit went through with no issue. I noticed XX/XX/20, though the money had already cleared from my contractor 's bank account, it showed as a hold on my business bank account with no effort from TD bank to communicate the hold. 

When I contacted TD bank on XX/XX/20, the business account costumer service woman I spoke with on the phone was rude and provided no help at all in resolving my inquiry. 

She just stated that there was a 6 day hold on the delivery of my paycheck. Apparently such a " large amount of money '' triggered an immediate hold. This is my paycheck and have never experienced any delays or problems depositing a check. Any lack of clarity on the deposit is immediately captured on the app and deposits don't take place unless there's a clear image. 
I sent a message to TD XX/XX/20 stating the major turmoil this has caused me and got nothing but a generic reply XX/XX/20 Stating " apologies " caused by the inconvenience. Online deposits over {$1500.00} will automatically trigger a hold. Had I been informed of this, I would have never deposited my paychecks on the app. 

I never default on my obligations! I am in good standing with my creditors and my Credit Score is a good reflections of this. 

I called again XX/XX/20 inquiring about the status of my funds and a much nicer woman was kind enough to explain the policies on " large '' amounts of money being deposited on the app, she stated my funds should be available XX/XX/20 or XX/XX/20. She also encouraged me to go to an ATM or to a bank teller personally next time. I work during normal bank hours, making impossible for me to take off to deposit a check. 

Two weeks later, my money is still not available. I had to tap into my savings to make ends meet. Only today, XX/XX/20 I get a letter from TD, supposedly dated XX/XX/20 ( sure!! ) stating that after all, " my check may not be paid ''. I DID NOT received a delayed availability notice a the time of deposit. 
The fact that TD Bank is doing this to any human being DURING THE CORONA VIRUS outbreak it's CRIMINAL!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IA

Complaint narrative:
Southwest Credit Systems ( SWC Group ) was notified on XX/XX/2020 that this account was a result of ID Theft. I sent in a dispute through XXXX  on said date along with a copy of the original police report verifying I was I victim of ID theft and that my drivers license and ssn had been compromised. Southwest however verified the account as truly belonging to me and marked it a consumer disputes this information instead of deleting the fraudulent information on XX/XX/2020. Southwest Credit systems did this even after having knowledge of this account being fraudulent and having being informed of this by XXXX  ( in lieu of dispute ) and myself. I have attached a copy of the police report verifying I am a ID theft victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD Bank failed to correctly examine the documentation we provide to them about the dispute. This fact was discovered when we talked to a rep with the Customer Complaints department at TD Bank who was trying to get all the facts of the case after we complained to the Chairman of the bank. The dispute was regarding the movement of household goods through XXXX XXXX XXXX. The company did not deliver all the goods and delivered some goods with significant damage. TD Bank agreed with the false statements XXXX XXXX XXXX made in response to the dispute and did not verify the facts with us. We submitted almost 100 pages of documentation in two separate letters and responded to all the requests made by TD Bank in a timely manner. The time given to us to respond was less than 10 days every time including the time it takes to receive regular mail. While they ignored all the facts and details, their final response to us said they determined no billing error occurred and they rand out of 90 day window to resolve the claim. They failed to examine the all the facts in the 90 days and now are putting the blame on us. The total estimated of the damages is about {$21000.00}. The credit card charge of {$7700.00} we are disputing covers only one third of the damages we incurred. We didnt sign on any receipt which showed we received all the household goods as expected in the same condition as they were packed so how is that charge valid? TD bank was negligent in examining all the documentation we provided in a timely manner and now their excuse is that 90 days have passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In around XX/XX/XXXX, I had an issue with Mr.Cooper regarding my escrow account. Long story short, Mr.Cooper provided a letter confirming that they had a system issue that removed several taxes from my escrow. I was then backed up on taxes because of it and I was getting lettters from attorneys of posible foreclosure and lien on the house. After months of communications, the only solution that Mr. Cooper provided was that they were able to add the taxes back. However, the months I was backed up because of their error had to be added to my mortgage. Fast forward to XXXX and I am now having issues paying the extra {$300.00} because of hours being cut due to the corona virus and us losing hours at work. I would like for Mr. Cooper to pay for their errors and pay the remaining balance thats owed on the backed up escrow amount due to it being an error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: CA

Complaint narrative:
XXXX XXXX RE : Afni, Inc ( Debt Collector ) Account # XXXX I received letter from AFNI requesting collection of debt that is not mine. Further, they placed the collection on my credit report with XXXX. I wrote a validation letter, and they did not respond with proof of the debt.

Company response to consumer: Closed with explanation